Fire Victims Sue State Farm For Negligence - podcast episode cover

Fire Victims Sue State Farm For Negligence

Jun 17, 202530 min
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Episode description

Fire victims sue State Farm for negligence, claim they were ‘grossly underinsured’. DA Hochman and US Attorney Bill Essayli speak about charges against protesters. Meet the members of the Dull Men’s Club: ‘Some of them would bore the ears off you’.

Transcript

Speaker 1

This is Gary and Shannon and you're listening to KFI AM six forty, The Gary and Shannon Show on demand on the iHeartRadio app.

Speaker 2

Israel has claimed to have killed a top Iranian official as it's been trading more strikes with Iran. US President Donald Trump has worn residents of Tehran to get out to evacuate, while suggesting the US could give up negotiations.

Speaker 1

No, it's a known fact that if you hear Bill Withers before ten thirty, it's going to be a lovely day.

Speaker 3

It is going to be nice and warm today.

Speaker 1

And we have all heard it before ten thirty. So Boom.

Speaker 2

Hopes that Sean Diddy Combs might testify at his federal sex trafficking trial have faded as lawyer predicted that the defense presentation lasting two to five days and suggested that he will not be taking the stand. Stocks have been drifting lower. Oil prices have risen again. We actually saw some news come in today that consumer spending pulled back sharply in May, weighed down by the declining gas sales looming unease over where the economy may actually be headed

sometime in the future. Beheaded, beheaded where it will head so the Dallas down about one hundred and fifty point right.

Speaker 1

Dodgers now have three games over the Giants in the NL West, five over the Podres. The Dodgers do take on the Padres at Dodger Stadium tonight, first pitch at seven. Listen to all Dodger games on AM five seventy LA Sports Live from the gallopin Motors Broadcast Booth. Stream all Dodgers games NHD on the iHeartRadio app keyword AM five seventy LA Sports.

Speaker 2

We were asking your bad roommate stories for when your college kids come back to town.

Speaker 4

I got two girls in college. When they come home, it's like a tornado, hits chaos, and then when they leave, we clear it up, and then we miss all of that.

Speaker 3

That's the hardest part. They're so annoying.

Speaker 2

They sleep in, they eat your food, they leave a mess, and then when they leave, you're like, you know, that was kind of nice.

Speaker 1

I miss them.

Speaker 3

This is kind of good.

Speaker 5

Hey, Gary and Sannon love the show. So our daughter graduated this pot Sunday. She only has a part time job because na tlending has been appeared and we decided we're going to pay half the rent. She doesn't need to do all your building. So that's just not a terrible roommate at our house. We'd rather have her in her own space.

Speaker 3

Yeah, good good luck, good luck with that. Good luck to sorry.

Speaker 1

Six couples and one individual who lost their homes in the devastating fires are suing State Farm. Like I said, we've heard horror stories about State Farm. Eric Dickerson down the Hall on Am five seventy can do quite the long State Farm rant. The people who have filed suit claim that they were misled by the insurance company and that their homes were deliberately and grossly underinsured and the loss.

It was filed yesterday. It alleges that State Farm took advantage of the homeowner's lack of knowledge about rebuilding costs and set projected replacement costs far lower than the actual costs, which left them without enough money to replace or rebuild their homes.

Speaker 2

The complaint does say that State Farm engaged in a multifaceted illegal scheme designed to reap enormous illicit profits by deceptively misleading over a million homeowners here in California. This is the second time that people have been burned out of their homes here in La County of sued insurers

because they believe that they were under insured. USAA and a couple of insurers affiliated with Triple A were sued back in June by policyholders who had claims that they didn't have enough money to rebuild as well, So.

Speaker 1

This covers both fire areas. Four of the households are from Altadena who are suing, two from the Palisades, and one from Sierra Madre. In one instance outlined in the lawsuit, homeowners wrote to their state farm agent before the fires in January to confirm whether the dwelling limit just over one million dollars would sufficiently cover the cost of rebuilding their home there in Altadena. The agent confirmed that the

amount covered the total cost to rebuild. However, after the home burned down, the estimates the couple received to rebuild were in excess of three million.

Speaker 3

How does that work well?

Speaker 2

Is that just a basic error on the part of the agent, or is it like they allege that it's this illicit scheme that comes from the top down and says you got to string these people along and tell them that they have enough coverage when they don't.

Speaker 1

It's probably a little bit of all of it. It's probably a little bit of fudging the numbers for the State Farm agent. It's probably the fact that the home values, the lot values, all of the values in Altadena have raised have been raised after the fires. Also throw in there the fact that contractors know that people are desperate to rebuild, and how much that costs and when was the when was the coverage bought? Was it bought a couple of years ago or was it bought twenty five

years ago? And how does that change as the home values change in any particular area. If it's illegal, that's going to be a high bar to hit. You would imagine State Farm if they were playing dirty, and it sounds like they do from time to time that they play dirty in a clean fashion where they cover their ass at least legally. So these are quite the allegations. Negligence, breach of contracts, several other causes of action. They're going for compensory punitive damages as well.

Speaker 2

Obviously, as of a few days ago, State Farm said that it had received more than twelve thousand, eight hundred claims related to the fires, and that they've paid out more than four billion to California customers.

Speaker 1

Now that means nothing.

Speaker 2

Well, it amounts to about three hundred thousand per claim, which I mean just in Alta Dina, the costs were going to be around three million dollars to rebuild.

Speaker 1

I'm just saying that means nothing in terms of if I lost my house in Alta Dina. I don't care how much State Farm is paid out. That they've paid out four point oh three billion.

Speaker 2

Right, I mean, or that even everybody got three hundred thousand, because it's going to cost way more than that.

Speaker 1

Exactly.

Speaker 2

Now, there are some who had State Farm policies that didn't have to rebuild their house. They either had minor damage, or they had smoke damage or something which is still a hassle but doesn't doesn't come to a full three million dollar replacement policy for your house.

Speaker 1

I guess it goes into the whole fare plan racket, is well. The lawsuit claims that State Farm's collusion with other carriers to push homeowners into that fair plan meant the only policies left for the company were ones that carried deliberately suppressed coverage limits of sufficiently low magnitude, so that means a lesser exposure risk for state farm which makes them able to survive something like this on the backs of the people who lost their homes.

Speaker 5

No, I don't know.

Speaker 1

Interesting to see what the court finds.

Speaker 3

Just feels like insurance companies are going to take off. They're going to just get out of California.

Speaker 1

Insurance companies are not your friends. They are not on your side all the things that they say. I would not I would not sell my soul to the devil.

Speaker 3

Gary and Shannon will continue.

Speaker 6

You're listening to Gary and Shannon on demand from KFI AM six forty.

Speaker 2

Garyan Shannon KFI AM six forty live everywhere on the iHeartRadio app. Wanted to dip into this news conference that's

going on. La County DA. Nathan Hockman and the US Attorney Bill of Sale have been announcing new charges in connection with the recent protests, and a Sale was just referring to not only the guy who was picked up driving in a truckload of those face masks that were being hit good, but some of the people who were assaulting CHP officers and vehicles where they were sitting on the one to one freeway back on last Sunday.

Speaker 7

We have dozens of ongoing investigations and we are continuing our work to identify individuals who engaged in violence. Their masks, their face shields will not save them. We will find them, and we will go to their home and we will arrest them. That is a promise I make to the community. I want to thank our law enforcement men and women. I want to thank our National Guard and the military

for their service and keeping us safe. I want to thank the federal agents for their hard work, which they continue to do each and every day.

Speaker 4

We do not.

Speaker 7

Deserve to be treated the way in which they were the last week, and we're not going to put up with it. We have great working relationships with our local lawenforcement partners LPD, the Sheriff's HP, the District Attorney's office, and we will work together to make sure we get the most aggressive and appropriate sentence for each of these violent actors.

Speaker 3

Thank you very much again, that's US Attorney Bill A. Saley. There, Nathan Hakman coming back to I guess the CHP chief.

Speaker 4

Good morning, and thank you all for being here. I'm Chris Margaris. I am the Southern Division Chief of the California Higher Patrol. First, I want to extend my sincere appreciation to the Los Angeles County District Attorney Nathan Hockman and US Attorney Bill A. Sale, as well as all the other agencies standing here with us today. The continued commitment to public safety and the safety of our offices reflects the strength of our partnership and a unified front.

In response to the recent events in Los Angeles over the past week, the California Higher Patrol has been fully engaged and maintained public safety amid a series of protests across the state and here in Los Angeles. Let me be clear, while we uphold and protect the constitutional right to free speech and peaceful assembly, we will not and do not tolerate violence, criminal conduct, or any act that

threatens the safety or of the public or our officers. Today, I'm announcing the arrest of Adam Palamo of Los Angeles by the California High Patrol Major Crime Detectives for his role in a violent attack on CHP personnel. Palamoro was accused of throwing rocks at our offices and participating in the austin of a mark CHP patrol vehicle. These are not protest actions. These are serious felonies and direct threats to public safety. We are pursuing full accountability and of

the law of violent crimes. In addition, the California High Patrol has made multiple arrests related to reckless driving incidents that occurred directly in front of our special response team officers and protesters during recent events. Drivers deliberately engaged in dangerous maneuvers that placed everyone nearby offices, protesters, and bystanders in immediate danger. That is not protests, it is reckless

criminal behavior. Vehicles have been impounded for thirty days and criminal charges of being recommended for each of the individuals involved. Let me emphasize this as far from over. Our investigation is active and ongoing. HP detectives continuing to release to review evidence, examine video footage, identify additional suspects, and pursue charges for those insided and carried out violence against our offices and engaged in criminal acts during these demonstrations.

Speaker 2

Right this again from the hol of Justice Downtown for La County, the DA Nathan Hockman announced that there are several investigations that are ongoing and several arrests that he says they're pending based on the violent protesters that had not only gone after law enforcement, but had gone after property, that graffiti, that vandalism. All of those would still be charges that are going to be leveled against these guys.

But you heard the CHP guy say there one of the people that they picked up is responsible for not just throwing those rocks down from the overpass onto the one to one freeway where those mark CHP vehicles were, but that the CHP officers themselves may have gotten hurt because they were standing underneath that overpass trying to make sure that their cars didn't explode into flames.

Speaker 3

Bill A.

Speaker 2

Saley, the US Attorney, was also there and described some similar things on the federal level, that they have investigations that they're still going after and people that they do expect to arrest.

Speaker 1

In about an hour and a half, we may get some answers, or at least we'll see where the arrows are pointing. When it comes to how long the California National Guard will remain this is up to an appellate court. Today, the Ninth Circuit Court of Appeals hearing arguments over Trump's federalizing of the California National Guard, deploying it despite what gas A. Newsome did not ask for, of course, that happened when the protests began last Friday. Newsome and sis

Trump's actions were illegal. The lawsuit claims they both exceed the scope of the president's statutory authority and violates the Tenth Amendment, the Amendment, of course, which gives power to the states that's not assigned to the federal government. Newsom Bass other Democrats have blamed the unrest on the President's deployment of the National Guard in Marines to la which

is just simply ridiculous. Maybe a portion of it, but definitely this was something that was going to happen, regardless of how the president responded.

Speaker 2

A quick side note to all of it is that a coalition of press organizations is seeking a court order to stop what they said is the continuing abuse of journalists by the LAPD during the immigration protests. It says there are multiple instances of officers firing foam projectiles at members of the media and otherwise flouting state laws.

Speaker 3

So called are they named?

Speaker 1

Are the people named?

Speaker 6

No?

Speaker 3

Well, I mean we know that some of them have been hit with the no.

Speaker 1

No, I mean, like, are the agencies named in that?

Speaker 5

Is it?

Speaker 4

What?

Speaker 5

Is it?

Speaker 1

A complaint?

Speaker 3

They're looking for a court order.

Speaker 1

Yeah, so we don't know which agencies were talking amount.

Speaker 3

They did not go into specific news.

Speaker 1

I'm going to go out there on limb and say it's not the La Times or k CAL or k T l A. It's going to be like I haven't showered in four weeks and I had a blog and now it's a podcast, dot com, slash org.

Speaker 2

I have a handwritten press badge right that I kept holding up in front of my face.

Speaker 1

When I got this cool jacket made. It says press. It says what press the way you said that press, because that's how they talk. All right, Come on, give me Peyte Demetrio. All right, that's a reporter who can wear the press. The Dull Men's Club have you ever heard of this? Apparently there are several million members of a group online and it's called the Doll Men's Club, and their goal is to cause dullness in each other's lives on a daily basis. Sound they wear their dullness

with pride. We'll talk about it when we come back. Gary and Shannon will continue.

Speaker 6

You're listening to Gary and Shannon on demand from KFI AM six forty.

Speaker 2

College Kids college age kids coming back home for the summer, maybe and just turning into absolute nightmares of roommates because they forget things like how to do laundry or eat for themselves, or wake up before noon or something.

Speaker 8

Yeah, I would. My dad's a marine, I'm a marine. My mom's South African. By the time I was ten years old, I was already doing my own laundry and had the ability to cook for myself. That should never change everything you said, Gary about adulting. That should have been done a long time ago. Nothing you mentioned has anything to do with becoming an adult. They shud been doing that by the age of twelve.

Speaker 2

Listen, my kids were doing their own laundry before they left the house. They were making most of their own food before they left the house. That's yes, I totally agree.

Speaker 1

The eighteenth century English writer Samuel Johnson once wrote, he is not only dull himself, he is the cause of dullness in others. Love that this is embraced by the Dull Men's Club, a seven million members strong. The duller, the better better for these guys. In fact, any sort of post that contains an emoji or an avatar too much, it's probably going to get deleted. In fact, no exclamation points, no exclamation points. This is a place for quirky hobbies,

obscure interests, and the examination of small, ordinary things. It is a place to celebrate the mundane. Recently there was a man who's part of the group in the UK. He worried that seeing a lesser spotted woodpecker in his garden might be too exciting for the group. There is a history to this club that is fascinating. It all began in New York in the early nineteen eighties. I'm

one of the founding members now eighty five. He and his friends were sitting at a long bar of the New York Athletic Club and they're reading magazine articles but all the things that are the rage, boxing, fencing, judo, wrestling. And one of his friends said, dude, we don't do any of those things. And they faced it. They were dull.

Speaker 3

Yeah.

Speaker 2

So they started as a joke the doll Men's Club, and they said it was It involved very silly. I love the word quote Titian word dull activities. They charted a tour bus only so they could tour the bus. They walked around the outside of the bus a few times. The driver explained tire pressures turned on the windshield wipers. Dull stuff like that when this guy Grover click, which is an amy made up because it was dull. When he moved to the UK, his nephew offered to put

a website together for the silly Dull Men's Club. And, as you said, the Dull Men's Facebook group one point nine million members.

Speaker 1

We've kind of waded into these waters before. We all remember the great Apple debate that this show brought you, the Boxers versus Briefs controversy. Sure, there have been a number of these seemingly dumb things that seemed to get a outsized reaction from just normal people. Same thing goes for the Dull Men's Club Facebook group. Five hundred amused comments follow a post about coat hangers inserted into hoops on rails and hotel rooms. One person said that would

keep me up all night. The over or under toilet paper debate raged for two and a half. I can only imagine remember our toilet paper squares how debate, how many? How many? Then there was the dismantling of electronic appliances photographing postboxes, the ranking of every animated movie from one to one hundred one hundred being dull and pointless. Members judge the speed of other people's windscreen wipers against their own.

Speaker 3

Oh here's another one.

Speaker 2

One guy out of Australia came up with a competition to try to stuff as many used toilet paper rolls as possible inside another toilet paper roll.

Speaker 1

There was the late John Richards, part of the group who also founded the Apostrophe Protection Society. Ninety four year old Lee Maxwell, who has fully restored fourteen hundred antique washing machines that no one will ever use. This seems to be not a dull men's club, But dare I say just a men's club, hey, where men are fascinated by things that don't fascinate a lot of the other people like women. In terms of putting back together an antique washing machine, I think there's a lot of men

who would not find that to be dull. They'd find that to be wildly interesting how things work.

Speaker 3

Even if you never use it. An antique washing machine.

Speaker 1

Right, take it apart, put it back together. That's not dull, that's just being a man.

Speaker 2

When Grover Click, if you remember in his introduction to the Doll Men's Club calendar for twenty twenty four. He wrote, what they are doing the dull men. What they're doing is referred to in Japan as ikey guy. It gives a sense of purpose, a motivating force, a reason to jump out of bed every morning.

Speaker 1

Right. And the article ends this is out of the Guardian with kind of the point that I was getting to. It says, here's a radical thought. Dull men and women are actually interesting. Just don't tell them that.

Speaker 3

Yeah.

Speaker 7

I looked it up in their station and their radio program of choice is a Gary and Shannon show.

Speaker 1

Huh.

Speaker 4

I wonder if that means anything.

Speaker 1

Dull can be very interesting. I think the doll Men's Club is all about doing things right, don't you. That's why those coat hangers tucked into those stupid rings in the hotel rooms keep them up at night. What a dumb thing, What a dumb thing.

Speaker 3

But very true. It would keep me up at night.

Speaker 2

Why can't you just why can't we stay in a place when's the last time you played sorry? You stayed in a place that had actual normal coat hangers in it, like a hotel that trusted you enough to not make off with its I.

Speaker 1

Travel with the chargers who seem to throw a lot of money at hotel rooms so pretty regularly. But on my own, on my own dime. Yeah, I haven't seen a real hanger in years.

Speaker 2

Well, speaking of travel, if you are planning on travel to traveling to Europe, you might want to pack your rubbers.

Speaker 1

What what do you mean, like galoshes?

Speaker 2

Yeah, not not a raincoat of some kind, not sex stuff.

Speaker 3

Well, it's up to you.

Speaker 2

I'm just saying that Europeans are not too happy with tourists anymore.

Speaker 3

I'm not gonna stop you.

Speaker 1

You know what, I freaking love this story because if you've been to Venice, you know it's been completely ruined by tourists. It is not a magical place, Nay, it is crawling with people and it's awful. It's a freaking Disneyland, that is. You can tell it's beautiful just look up, look out. But as long as you're looking around you

it's awful. And I love the fact that Jeff Bezos and whatever that girl's name, Lauren and Sanchez, their wedding has gotten so much press because they are throwing so much money at this thing, quite possibly the most expensive wedding ever, and it's gonna be ruined. It's gonna be ruined because of this movement, and I'm frankly kind of.

Speaker 3

You're okay with it, okay with that? Gary Shannon will continue.

Speaker 6

You're listening to Gary and Shannon on them from KFI AM six forty.

Speaker 3

A bunch of stories that we're following.

Speaker 2

We know that President Trump has been meeting with his National Security Council. He returned early from the G seven summit up in Canada to focus on whatever's going on in the Middle East and whatever involvement the United States is going to have. He told reporters on Air Force one overnight. He's not interested in just a ceasefire.

Speaker 3

He said.

Speaker 2

He wants a real end to the war and to Iran's nuclear program. Israel pounded Iran for a fifth straight day in this air campaign against the military program and the nuclear program. In fact, President Trump had warned residents of Tehran to evacuate and suggested that the United States is working on something we haven't heard. What we do know that military assets from other parts of the world are steaming towards or flying towards those.

Speaker 3

Areas in the Middle East.

Speaker 2

We don't know exactly what that means if in fact, the United States would would get involved in all of this.

Speaker 1

Amazon Prime Day is going to be four days this year. This will be held July eighth through the eleventh. It started ten years ago before expanding to two days. New this year are Today's Big Deals, which will see themed daily deal drops featuring deep discounts on brands like Samsung Levi's that will launch daily at midnight Pacific time. Amazon Prime can start enjoying some early Prime Day deals now,

of course you can. Of course you're going to call them that just to get your start spending money now.

Speaker 2

Bart Helona has become the center of protests against over tourism in European cities.

Speaker 1

Bartolona, which I've been to many times because I like to. I like it to be a landing spot if you're going anywhere else, because it's just cool and the tapas are great, it's fun, that people are wonderful, and the Gothic architecture is divine that can handle the tourists. Places like Venice cannot. But that's neither here nor there. Some people are protesting tourists by spraying them with water guns.

Speaker 2

There was a weekend of workshops that were held in Bartheloa by the Southern Europe Network against touristificate touristification. The demonstrations last July where they saw squirt guns coming out as the symbol of anger over the effects of mass tourism. So these protesters, these anti tourism protesters, have been shooting people with squirt guns in an effort to protest them spending money in the countries where these protesters left.

Speaker 1

They say. One of the marches was outside the Lasagrata Familia Basilica, where I don't think I've ever been without seeing a protest of some kind. Protesting very big in Europe. Any given day you can find a protest about something. It's kind of a fun thing to watch well.

Speaker 2

And this is being played out in real time over the wedding, the pending nuptials of Jeff Bezos and Lawrence Sanchez.

Speaker 1

Burn it down. Burn it down. If you're going to spend that kind of money on a party on a wedding, you're an ass who deserves to get a little bit of perspective thrown into your celebration.

Speaker 2

Posters and stickers have appeared throughout the city. There was a huge banner on Saint Mark's bell tower in Venice with Bezos's name crossed out. These stickers show Bezos's face with the phrase no space for Bezos. The celebrity guest list on this thing is massive. Oprah, Mick Jagger, Katie Perry, Ivanka Trump.

Speaker 1

It's a multi day celebration in Venice. Lame. And how much did you spend on your wedding? Don't tell me. That's a rude question to ask.

Speaker 3

Not much.

Speaker 1

I'll tell you that, But what you want to say, like five thousand bucks something like that. More than that, but ten thousand whatever. Like a normal person's wedding is if you're lucky enough to have a wedding with one hundred of your friends or whatever in food, and you can hire a DJ and a place and all that, let's say five to ten grand or whatever. They're spending eleven million dollars. Eleven million dollars. That's just gross. I don't care how much money you have, it's just gross.

Speaker 2

You couldn't you couldn't be satisfied with a one million dollar wedding and find another place to put ten other million dollars. A lot of people are afraid that this is going to spotlight Venice, and that Venice itself is going to become a centerpiece, perhaps a magnet for celebrities, and that the people who live there their lives would be disrupted by an over active tourism industry. The mayor

Luigi Brunaro says this is fake news. He says the small guest count, the careful planning will prevent any disruption in the city. He said, only two hundred guests will have been invited and therefore will be easy for Venice to accommodate such an event. Tell that to the Tell that to that executive airport that's going to be overrun with private jets.

Speaker 1

I will give one piece of wedding advice. Piece of advice I did not fall in line with is high with a football helmet on your cake?

Speaker 6

Yeah?

Speaker 1

That that was dumb. And I don't hire a photographer who doesn't speak the language you speak. Doesn't need to speak English, but make sure you speak whatever language it is he or she prefers or only speaks okay, because otherwise you end up with one picture, one usable picture.

Speaker 3

It's a good picture.

Speaker 1

Though it is good picture, all right, I mean most I mean there is an exit sign in it. But that's cool.

Speaker 2

Well, you can change that now, you know that's true. Good point, all right, we'll do watch check in what's going on in Washington, d C. Of course, the huge issue being talked about in DC today is all about the Middle East. We'll get updates on that when we come back to Gary and Shannon. You've been listening to The Gary and Shannon Show. You can always hear us live on KFI AM six forty nine am to one pm every Monday through Friday, and anytime on demand on the iHeartRadio app.

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