California’s election results are a giant red flag on this key issue

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Insurance Commissioner candidate Jane Kim wants to establish a state-run single-payer disaster insurance program with guaranteed coverage. Gubernatorial candidate Xavier Becerra pledges to freeze insurance rates in an affordability state of emergency.

California’s election results are still being tabulated as of this writing. But it doesn’t take binoculars to spot a giant red flag flying on the horizon.

The leading Democratic candidates for two key positions are disconcertingly receptive to a disastrous idea: blowing up California’s insurance market just as it’s starting to reach more stable ground. This would, in turn, destroy the state’s efforts to build more housing and make it virtually impossible for would-be homebuyers to secure a mortgage.

After years of insurance companies severely restricting business or leaving the state altogether — thanks to climate-change-fueled megafires and state regulations that make it near-impossible to adequately price this risk — they’re slowly beginning to return due to sweeping reforms enacted by outgoing Insurance Commissioner Ricardo Lara. The reforms aren’t perfect, and the devastating 2025 Los Angeles wildfires exposed issues that urgently need to be addressed. But they’ve also led to meaningful, if fragile, progress. Among other things, the rate of growth is finally beginning to decrease for the FAIR Plan, which offers bare-bones coverage for those who can’t get it anywhere else — a critical step to improving the health of the market.

Yet Xavier Becerra, California’s likely next governor, has rashly — and ridiculously — pledged to freeze insurance rates if he’s elected by declaring an affordability state of emergency

And Kim is a particularly persuasive messenger — articulate, poised, confident and smart, she rattles off statistics, analogies and arguments in clear, easily digestible ways.

“Politics is an art, and this is going to sound very overly confident — I think I’m good at it,” Kim said in her endorsement interview. “The ultimate job that I’m running for is a political job. It is the job of sitting across from insurers, the governor, the state Legislature and being able to work out a deal.”…

To her credit, Kim hasn’t proposed a blanket freeze on insurance rates — rather, she’s floated the idea of preventing policyholders’ rates from rising simply because they filed claims. …(more)

At least they may work together which may be helpful. Between the two of them they may work something out. In my opinion the author of this article sounds like she is more confused and un-informed about the insurance business than the two she accuses of being un-informed.

Skeletons in the closet: Inside the unraveling of the California Academy of Sciences

By Sam Mondros : sfstandard – excerpt (via email)

Foggy Day at the Science Academy circa 2008 by zrants
Lavish bonuses, first-class flights, and a ghost mansion: How one of San Francisco’s crown jewels lost its shine.
At the intersection of Buchanan and Jackson Streets, just past the crest of Pacific Heights, sits a hulking, fossil-gray mansion owned by the California Academy of Sciences. Valued by real estate agents at up to $8 million, the home has four bedrooms, four bathrooms, a downstairs apartment, three outdoor patios, and, according to more than a dozen academy employees, no primary resident.
Sold to the academy in 1995 by a former donor, the home is intended to serve as the primary residence of the executive director, who, for the last seven years, has been Scott Sampson, a renowned paleontologist and former museum director in British Columbia, Colorado, and Utah. Sampson — who announced his resignation last week after a tenure marked by falling museum attendance, mass layoffs, executive departures, and what many insiders describe as questionable financial decisions — was to use the mansion to woo donors at dinner parties and hold events for staff. 

But employees say Sampson never lived there full time — and he has admitted as much in staff meetings and to colleagues. Cars owned by Sampson and his wife are registered to an ocean-view home in Muir Beach. Employees report that Sampson used the home as a pied-à-terre, only spending a portion of his time there. Despite this, the academy has allegedly taken staffers away from their primary responsibilities at the museum to work on maintaining the house, as well as spending tens of thousands of dollars on upgrades that include electric car chargers, new furniture, fresh paint, and manicured landscaping.

Even before Sampson took over as director, the house was a symbol of questionable management by the leadership of Northern California’s largest museum, which is overseen by a sprawling board of 45 well-heeled individuals and scientists whose decisions over the past two decades, critics say, have plunged the institution into chaos.

After a controversial exit in 2019 by the previous director, Jonathan Foley — marked by a divorce settlement that gave his ex-wife the right to continue living in the academy-owned home in Pacific Heights — Sampson was hired by the board of directors to develop a new global vision for the museum. This included a three-pronged initiative to boost research and conservation of island ecosystems, global reefs, and native habitats in California

Some of that vision came to pass during Sampson’s time in charge, which saw the launch of several major initiatives, including Reimagining San Francisco, a coalition of more than 60 organizations collaborating to improve green spaces, and One Galápagos, aimed at restoring ecological health throughout the Galápagos Islands.

But employees say many of his most far-reaching goals were never realized, as pandemic-related revenue losses hobbled the museum’s growth plans. In spite of these declining fortunes, the board awarded eye-popping bonuses and salaries to Sampson and the rest of the museum’s executive staff over the last several years.

“When I saw in the Chronicle the quote(opens in new tab) about blaming the pandemic for the financial woes, I just about lost my lunch,” said one former employee who served in a leadership role. “To still be blaming the pandemic for revenue loss at the academy just seems bonkers.”

Founded in 1853, the California Academy of Sciences has spent the better part of two centuries accumulating things: 40 million specimens, 40,000 live animals, a planetarium, an indoor rainforest, an aquarium, and a reputation as one of the country’s great scientific institutions. Its $488 million home in Golden Gate Park, a sinuous, 410,000-square-foot building that seems to have grown organically from the earth beneath it, is the kind of place that makes children press their faces against the glass and adults briefly forget their phones.

But among those millions of carefully cataloged creatures, the academy has buried more than a few metaphorical skeletons, according to interviews with 16 current and former employees, including executives, department directors, and staff in facilities, payroll, programming, exhibitions, and science departments — all of whom were granted anonymity in order to speak freely about their experiences.

Staffers and representatives of SEIU 1021, the union that represents approximately 350 museum workers, have raised concerns over what they call unnecessary spending at the academy, pointing to rising salaries on the executive team; costs associated with the house on Jackson Street; first-class airfare for the executive director; the hiring of Sampson associates for projects that went over-budget; and a board of directors that has mismanaged the museum’s debt.

All of this comes against the backdrop of falling revenue, slashed programs, lost jobs, and a prolonged budget deficit that threatens to bury alive one of San Francisco’s most beloved institutions…. (more)

Continue reading “Skeletons in the closet: Inside the unraveling of the California Academy of Sciences”

Sewage Flooding: Neighbors Fear Wastewater From Ingleside’s New Housing Will Overwhelm Strained Sewer

by CASEY MICHIE : inglesidelight – excerpt

In the span of minutes the sewage and stormwater flooded Ashton Avenue. (from Inglesidelight)

“We experienced firsthand the adage shit goes downhill, and I have the toilet paper in my backyard to prove it.”

L. Richard Billups woke up Christmas morning to find his 2000 Chevrolet Corvette ruined.

An overnight storm caused a flood of brown stormwater and sewage out front Billups’ home on Ashton Avenue, where he has lived for about 50 years in San Francisco’s Ingleside Terraces. The flood destroyed his car’s electrical systems, monitors, carpet and seats.

“The insurance company said the cost would be more than the car is worth as far as market value is concerned,” he said. “That’s the price to them. It meant a lot more to me.”

Video footage provided to The Ingleside Light by a neighbor shows the brown water rushing from Ocean Avenue onto Ashton Avenue around 2:43 a.m. on Dec. 25, overrunning gutters and pooling on sidewalks and yards…

The incident was the latest in a series of combined stormwater-sewage floods that residents say the city has repeatedly failed to address. With the 1,100-unit Balboa Reservoir project underway and a seven-story mixed-use developmentproposed nearby, neighbors are demanding upgrades to an undersized sewer under Ocean Avenue before increased wastewater from additional residents adds further strain to a sewage system they say has been inadequate for years… (more)

Where are the YIMBY comments on damage when infrastructure is not taken care of prior to constructing new developments? Must neighbors wait till the damage is done to sue for relief? How are the insurance companies going to handle these cases?

S.F. eyes $125M annually for affordable housing, more than double current funding

By JOE RIVANO BARROS : missionlocal – excerpt

Melgar, Lurie also announce immediate $70 million injection to preserve housing

Existing affordable housing that needs protection. photo by zrants

Supervisor Myrna Melgar plans to introduce legislation Tuesday that would more than double San Francisco’s annual budget for affordable housing to some $125 million, part of a bargain she hammered out with Mayor Daniel Lurie.

Melgar said her proposal would vastly expand the city’s capacity to build affordable housing by allocating $125 million annually into the city’s Housing Trust Fund, up from the $52 million that goes into it today, while also extending the fund for another 30 years. That would be a total of at least $3.75 billion.

The increase would be funded by “allocating a portion of future property tax growth every year” to the fund, according to a press release sent by Melgar and Lurie.

“I cut a deal with the mayor,” Melgar said, to use property taxes “coming from the increase in the value of all properties in San Francisco” as a result of last year’s upzoning.

The proposal would take the increase in future property taxes and “put it aside” into the low-income housing fund, Melgar said.

“Housing is not getting built at the pace we need, and the consequences are all around us,” Mayor Lurie said in a statement. “Today, we’re jumpstarting affordable housing in San Francisco.”… (more)

It is good to hear someone mentioning the need to preserve the existing affordable housing as an immediate plan. Given the economic  reality that we are living in, it is naive to expect new housing will be built any time soon. That is no one’s fault, unless you want to blame the national condition we are living in, but, placing the blame does not solve the problem. Giving into reality and what is possible now does.

 

Twin Peaks Showdown: Save the Land

Our May 19 zoom discussion is about the Twin Peaks Showdown -Save the Land. George Wooding, the President of the Mid-Town Terrace Homeowners Association and Bill Mandell will speak. Bill Mandell wants to donate undeveloped land at the gateway to Twin Peaks so it can remain open space and free from development.  Come here them speak about the neighborhood preservation campaign. We will also discuss CSFN recommendations on the upcoming propositions in the June election.

Twin Peaks Showdown: Save the Land

You are invited to a Zoom meeting onTuesday May 19, 2026 06:30 PM

Register in advance for this meeting:
https://us02web.zoom.us/meeting/register/lf0J0r4nRaCMRNYQvsFFlg

After registering, you will receive a confirmation email containing information about joining the meeting.

California’s second-largest home insurer to raise rates this fall

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White picket fence photo by zrants
Farmers Insurance Group, the second-largest home insurer in California, is set to raise overall policy rates for homeowners by 1.5% this fall.
Its rate hike, approved Monday, will take effect for the insurers’ nearly 915,000 homeowners at their next renewal date following Sept. 15, 2026, according to a filing with the California Department of Insurance. While increases across the state will average out to 1.5%, Individual customers could see their rates rise by much more than 1.5% or may see their premiums decrease. Data on the exact range of rate changes or which areas may see the largest hikes wasn’t available on Monday.
Farmers covers approximately 11% of all insured homes in California, second only to State Farm General. As part of its filing, the insurer said it will up its home and auto bundling discount from 15% to 22% and increase the discounts homeowners can get for reducing their wildfire risk.
This is Farmers’ first filing under the Sustainable Insurance Strategy, a set of regulatory reforms finalized last year that altered the way insurance companies price wildfire risk. The request was first submitted last November for a 6.99% increase but was approved by regulators at just 1.5%…(more)

Signature gatherers are out in force across S.F. Here’s why this year feels different

By Rachel Swan, Sara DiNatale : sfchronicle (audio)

In some parts of San Francisco, it’s virtually impossible to exit a grocery store without getting ambushed by people waving clipboards.

They are a familiar sight each election season, collecting signatures to put policy ideas before voters, lecturing anyone who will listen on why we need to fund buses or libraries, tax the rich and cut through the red tape. We’ve all heard versions of these speeches before, and we generally tolerate them, accepting ballot initiatives as an expression of the popular will. But this year the signature gatherers showed an unusual ferocity that crescendoed last week, when the state hit a suggested deadline for measures to qualify for November.

And still the gatherers refused to pack up. Now the focus has shifted to local and regional campaigns, including roughly a dozen would-be ballot measures circulating in San Francisco. People who wrap up petition drives in Southern California cities caravan to the Bay Area and quickly memorize scripts about the importance of bailing out BART and Muni, streamlining city contracts in San Francisco, and the proposed expansion of Mayor Daniel Lurie’s executive power. Voters can’t catch a break… (more)

As S.F. pivots to mandatory drug treatment, DPH cuts counselor training at City College

by XUEER LU : Missionlocal – excerpt

End of free mental health training part of shift in CA towards housing, treating worst addiction cases

At his inauguration, Mayor Daniel Lurie promised to dedicate his time in office to tackling the city’s drug use and mental health crisis, even in the face of the city’s looming budget deficit.

In practice, cuts to programs that help tackle that crisis are coming anyway. Among them: City College’s Community Mental Health Certificate Program, a one of a kind 18-month program, training frontline mental health workers to use their lived experience for peer counseling with a chance to be licensed by the state.

The city’s Department of Public Health recently announced that its funding will end after its current five-year $2.15-million contract comes to an end. If it can’t find funding elsewhere, its last class will graduate in June 2027… (more)

Let me get this straight. SF just spent 14 million dollars on 25 sobering up chairs, but they are cutting 2.15 million to educate mental health workers. What are they going to do? Strap troubled people into the chairs? How long will they sit quietly while coming down? Who is running this outfit?

 

A federal ‘naughty list’ is making some California condo sales nearly impossible

By Christian Leonard : sfchronicle – excerpt

The additional layer of checks adds yet another complication for the California condo market, which historically has been much softer than that for single-family homes.

Buying a condo is tricky enough. But a federal database of problematic condo buildings — which some lenders are calling a “blacklist” — is making it even harder to get a mortgage for some.

The database was created by Fannie Mae, a government-sponsored corporation that buys mortgages from lenders and sells them to investors as securities. The system frees up lenders’ funds for additional loans and lessens their risk, generally resulting in lower rates for buyers…

But not for every buyer. More than 700 California condominium complexes are flagged in Fannie Mae’s database as being “unavailable,” meaning the company won’t purchase loans for units there, according to data provided by condo law firm Alcock Marcus. The number of affected condos has skyrocketed in the past few years.

The impact of being on the list could be severe. A bank often won’t lend money for a condo that’s on that list, said Kevin Casey, a Bay Area loan officer with Guarantee Mortgage. That means the buyer has to either get a non-qualified mortgage, which is a riskier type of loan that comes with higher interest rates, or back out of the deal entirely….

Condo owners and sellers were already struggling to find insurance, with providers either leaving the state or significantly raising rates. Those insurance woes have also resulted in the Bay Area having some of the highest HOA fees in the country. And in the Walnut Creek retirement community of Rossmoor, most buyers have to pay in cash after Fannie and Freddie announced they would no longer back mortgages there unless it was funded for a complete loss. Rossmoor is one of 35 flagged condo complexes in Walnut Creek, according to the Mercury News.

Casey, the Guarantee Mortgage agent, said buyers who are considering bidding on a condo should make sure it’s in a well-run association, as that can determine how much time they spend navigating issues later in the deal.

You’re buying two things,” Casey said. “You’re buying what’s between the walls, and you’re buying the management company. So you have to spend … a good amount of time looking at that HOA.”… (more)

 

Please Help the landowner of the four undeveloped lots at 1230 – 1240 Twin Peaks Blvd. donate his property

The lot owner would like to donate the property to either the city, the RPD and/or a nature conservatory.  He does not want to sell the property and have it developed for housing units.  He has asked the surrounding neighborhood, Midtown Terrace Home Owners Association (MTHOA) to take the lead in helping him donate his property.  To sign the “Donate the Land” petition contact: Midtownterrace.org

If the property were to be donated, it would remain in its natural state and probably be planted with California native plants.  The landowner would also donate $50,000 towards property maintenance.

This property is at the gateway of the Panorama Drive side of Twin Peaks Blvd.  If the donated lots were kept in a natural state, they would greatly compliment the entrance of the new Promenade that is being built on the top of Twin Peaks.

Twin Peaks is the second-highest natural point in San Francisco (922+ feet), surpassed only by Mount Davidson.  Unofficially the number two (2) tourist destination by volume, Twin Peaks is a premier, world-famous attraction renowned for offering the best 360-degree, panoramic views of the City and Bay.

TIME IS OF THE ESSENCE:If the landowner cannot donate his property, it will be sold to a developer. This will lead to prolonged construction, an unattractive building, public safety issues, parking problems, traffic congestion, noise, quality of life concerns for surrounding residents and increases in crime. Please Contact: MidtownTerrace.org and Myrna Melgar 415-554-6516 or MelgarStaff@sfgov.org