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Over Wine Country airshow Newman’s new field will Strictly Bluegrass brings
soars Saturday, Sunday. A3 finally host some football. C1 new friends, old favorites. D1
WINNER OF THE 2018 PULITZER PRIZE
Latino
group
to track
equality
LOS CIEN » Effort to
show county’s economic,
political disparities
By GUY KOVNER
THE PRESS DEMOCRAT
S
told an audience of 650 people
ince retiring from her law practice, who packed a Sonoma State Uni-
Robin Gabbert feels like she’s had a versity ballroom.
full-time job trying to rebuild after “For the first time, we’re
the devastating 2017 North Bay wildfires. taking a deep dive into how to
Gabbert and her husband, Con Jager, change the conditions on a local
are like thousands of other fire survivors level,” Chavez said in an inter-
who will not finish building new homes by view, calling the scorecard “a
the second anniversary of the fires in ear- grand experiment.”
ly October. Gabbert and Jager have been Chavez was one of three
hampered by numerous delays rebuilding speakers at the sixth annual
their Fountaingrove condominium, one State of the Latino Community
of 30 that burned down at the Stonefield in Sonoma County symposium
condo complex in Santa Rosa during the hosted by Los Cien, the leader-
Tubbs fire. ship group nearing the 10-year
“It’s a constant drain. It’s exhausting,” anniversary of its founding in
said Gabbert, who sits on the board of the KENT PORTER / THE PRESS DEMOCRAT a back room at a Santa Rosa
Lisa Frazee, son Carl, 16, mom Gloria Sanchez and Howard Frazee inspect on Saturday the Wikiup restaurant.
TURN TO INSURANCE » PAGE A2 lot where their house stood before it was destroyed in the Tubbs fire.
TURN TO LOS CIEN » PAGE A6
Advice B7 Comics B6 Horoscopes B5 Nation-World B1 EPA’S DUBIOUS CLAIM: Agency claims SANTA ROSA ©2019
Business B8 Crossword B7 Lotto A2 Obituaries B3 California fails Clean Water Act as homeless High 72, Low 47 The Press
Democrat
Classified D9 Editorial A10 Movies D6 State news A6 people’s waste allegedly is everywhere / B1 THE WEATHER, C8
A2 THE PRESS DEMOCRAT • FRIDAY, SEPTEMBER 27, 2019
INSURANCE
CONTINUED FROM A1
condo association and has
taken a key role helping
neighbors navigate re-
building challenges.
While fire survivors
have dealt with a variety
of obstacles delaying
completion of their new
homes, wrangling with
insurance companies has
been a common frustra-
tion. Now to make matters
worse, in less than two
weeks most of them face
the prospect of having
home insurers stop paying
for their monthly living
expenses.
Gabbert and Jager
hope to move into their
new condo by next April,
however their Allstate
insurance policy covers
only 24 months of tempo-
rary living costs. Allstate
has refused to extend
monthly rental payments
despite Gabbert’s pleas,
likely forcing the couple to
pay $3,500 a month for rent
plus the mortgage pay-
ment on their destroyed BETH SCHLANKER / THE PRESS DEMOCRAT
condo. Robin Gabbert and her husband, Con Jager, view the construction site of their Fountaingrove condo in Santa Rosa on Monday.
“It’s all about the profits.
They say they are your to take a hit as they curtail said of the monthly living
good neighbor, or Nation- discretionary spending in FIRE SURVIVOR
expense payments. If State
wide is on your side, or order to afford their living Farm stops the monthly
RALLY FOR
they are the good hands expenses without the bulk payments in October as
INSURANCE
people, ... but you see what paid by insurers. expected, she estimates
their priority is,” Gabbert “I’m a little concerned
JUSTICE
that her family could
said. Allstate said in a for everybody. It’s not go- When: Friday from 5 p.m. lose as much as $50,000
statement it will continue ing to put us in recession. to 7 p.m. before they can move into
working with the couple … I think we are going to Where: Old Courthouse their new Wikiup house
on their fire claim. lose some more (residents) Square, Santa Rosa sometime next year. “It’s
The specter of thou- because of the October Why: To raise public a huge impact on what we
sands of Sonoma County impact,” Redwood Credit awareness that many fire can do.”
fire survivors still re- Union CEO Brett Martinez survivors will lose their Some fire survivors are
building, but come early said. monthly living expense irked because companies
October being forced to Fire survivors’ futile payments from home that work for insurers to
pay their monthly living attempts in recent months insurers in early Octo- handle rent payments and
costs on top of mortgages to get home insurers to ber, two years after the other services such as fur-
for their burned homes extend coverage for tem- KENT PORTER / THE PRESS DEMOCRAT 2017 wildfires; and urge niture rentals already have
will have significant porary home rental costs Carl Frazee, 16, holds his grandmother Gloria Sanchez’s hand insurers to extend those contacted them via written
ramifications. Some will is the latest skirmish in Saturday as they visit the barren lot of their Wikiup home payments. notices about the end of
have to dip into their what’s been for many two that was razed by the Tubbs fire two years ago. monthly living stipends.
retirement savings, while years of insurance woes In some cases, people
others might opt to sell after the 2017 blazes that fire, the most destructive AAA insurer for Northern Nationwide have been have said these expiration
their fire lots. Overall, killed 24 people in Sonoma in California at the time, California, and Farmers — cited by area fire survivors notices have been sent to
since nearly 85% of fire County. The Tubbs fire, caused nearly $9.5 billion are voluntarily extending and advocates for their in- landlords unbeknownst
survivors remain in some the largest of regional of insured losses, while monthly living expense flexibility. In a statement, to fire survivors who are
stage of rebuilding, the infernos, torched 5,334 the Atlas fire in Napa payments for a third year Nationwide said, “We have tenants — with State Farm
local economy is expected homes in the county. That County resulted in $4.5 for 2017 fire victims. In late concluded that we are contractors being cited
billion of insured losses, May, Lara visited Santa applying the appropriate as a worst offender. The
according to the Insurance Rosa and announced he coverage for each individ- state insurance depart-
Information Institute. was making a request to ual based on the insuring ment is asking Sonoma
An estimated two-thirds insurers to provide the contract.” County residents to report
of Sonoma County fire one-year extension. Meanwhile, State Farm any misleading move-out
survivors were underin- “No other companies said in a statement that letters that have been sent
sured on their homes, with have informed me that “we will work closely with to landlords.
a few more than $1 million they intend to honor this our customers to address “I am concerned that
underwater, according to a request,” Lara wrote. their concerns and see if these notices may have
survey by United Policy- The frustration runs there is anything more we caused survivors more
holders, a nonprofit that deep for the county’s 2017 can do to support them in distress and confusion,”
assists consumers with fire survivors because the their recovery process.” Lara said.
insurance information. state Legislature passed a But Lisa Frazee and State Farm in a state-
Some people have sued law last year that extended her family, whose Wikiup ment said that sending
their insurers. Many were living expense payments home was destroyed in the such notifications to land-
angered their insurers from two to three years — Tubbs inferno, said that lords without the knowl-
required them to itemize beginning in September hasn’t been her experience edge of a policyholder “is
personal things destroyed 2018. Originally, the bill with State Farm. not consistent with our
in their homes to get full sponsored by state Sen. The Frazee family has approach to communicat-
payment for their claims, Bill Dodd, D-Napa, includ- taken a creative approach ing with our customers.”
even though their houses ed 2017 fire survivors, but to rebuilding, realiz- Jeff Okrepkie, who lost
were wiped out by the the insurance lobby suc- ing they are $300,000 to his Coffey Park home in
flames. ceeded in getting the ret- $400,000 underinsured on the fire and is the founder
“It sounds to me like roactive language deleted their burned home. Lisa of the neighborhood group
business as usual with from the measure before Frazee’s mom, Gloria San- Coffey Strong, is a Nation-
the insurance companies. lawmakers approved it. chez, also had her home wide policyholder who
You get what you are able For its part, the insur- gutted in the same fire, so received such a letter.
to negotiate,” said Amy ance industry contends she moved in with Frazee’s “I told them I’m not
Bach, executive director of that it’s adjusting to the family in a Windsor home moving until I’m done
United Policyholders. “The new prevalence of wild- while their new Wikiup (with my home),” Okrep-
pressure doesn’t seem to fires statewide, especially house is being built. kie said, noting his new
be moving the needle.” after paying billions in Frazee and her mom house likely won’t be
Exasperated fire sur- property owner claims both have received finished until December.
vivors will hold a rally for fires in 2017 and 2018. monthly rental payments Okrepkie said he has
Friday evening at Old Typically, home insurers from insurers which pleaded with Nationwide
Courthouse Square in can only boost premiums helps the family save for a monthly living
downtown Santa Rosa up to 6.9% a year without some money they can use expense extension, to
to exert last-ditch public the state insurance depart- toward construction of no avail even though he
pressure on home insurers ment Insurance allowing the Wikiup house. The works as an insurance
to extend monthly living policyholders to challenge new family home will agent.
expense payments beyond higher rate hike proposals include a granny unit for “Is it worth it to be
the two-year mark since through a hearing, said Sanchez, who plans to sell the bad guy for this one
the blazes. More than Rex Frazier, president of her property to help make instance?” he said of his
8,000 people have signed a the Personal Insurance up the difference in her request to Nationwide for
Change.org petition asking Federation of California, daughter’s underinsured two or three more months
insurers to extend the time which represents large property. Frazee has sent of living expenses.
limit. insurers. three letters to State Farm
California Insurance “There is a push and asking for a rent payment You can reach Staff Writer
Commissioner Ricar- pull,” Frazier said. “It extension and has received Bill Swindell at 707-521-
do Lara said this week takes a really long time to three denials. 5223 or bill.swindell@
that only two insurers raise prices.” “It’s our lifeline to being pressdemocrat.com. On
— CSAA Insurance, the Both State Farm and able to rebuild,” Frazee Twitter @BillSwindell.
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