one is through reinsurance, insurers of the insurer, insurers can come with their aggregate risks and fema just recently in the last year or so began a reinsurance program transferring, think of it as a primary insurer, operating our risks to reinsurers in the private sector so we as taxpayers are not holding all of that anymore. just this week we took it to the next level. not only transferring that risk to private reinsurers but the capital markets through insurance linked security. you have heard of catastrophe bonds, catastrophe bond is a type of insurance and security. we put out a notice this week that we plan to go to the capital market to transfer that risk through insurance securities. that reduces the burden on fema and exposure of the federal taxpayer and will make the program stronger for those insured by the national flood insurance program. >> i will open it up and pull a couple people in. when you think innovation and government a lot of people think it is an oxymoron but you are starting to see some very innovative approaches at fema. what else in addition to engaging

it's the insurers of the insurer. so insurers can offload some of the risk, aggregate risk to a reinsurer. fema just recently in the last year or so began a reinsurance program. we are transferring some of our risk. think of the nfip as a primary insurer. where offloading some of our risk to reinsurers in the private sector. we as taxpayers are not holding all of that risk anymore. just this week we took it to the next level. normally we transfer some of that risk to private reinsurers. we are transferring that risk to the capital markets through something called insurance linked securities. many of you have heard of catastrophe bonds. catastrophe bonds is a type of insurance white security. we just put out a notice this week that we intend to go to the capital market to transfer some of that risk through these insurance securities. that's innovative and that reduces the burden on fema and it reduces the exposure of the federal taxpayer and to make our program stronger for those or insured by the national flood insura

it is insurers of the insurer. insurers can offload some of the risk, aggregate risk to a reinsurer. began aently reinsurance program. we are transferring some of our risk -- think of the and if i.t. as a primary insurance -- think of the nfit as a primary insurance. the taxpayers are not holding the risk anymore. lastly, we took it to the next level. we transfer the risk to private reinsurers. we transfer it to the capital market through insurance length security. many of you have heard of catastrophe bonds. it is a type of insurance, like security. we put out a notice this week we intend to go to the capital market to transfer some of the risk. -- risk through these insurance length securities. is innovative. it reduces -- it is innovative. it will makee -- our program stronger. mr. cilluffo: let me pick up on that. then, i will open it up and pull a couple of people. when you think innovation and government, a lot of people think it is an oxymoron. you are starting to see innovative approaches at fema. what else

insuring the uninsurable. provide coverage for the people big firms just won't touch. you're with business live from bbc news. the work and pensions select committee has made a raft of recommendations following their investigation into the current pension system. one of the key suggestions from the pensions freedom report is for the creation of a single pension dashboard by 2019, which would allow savers to see their pension pots in one place. for more on this, we're now joined by nathan long from hargreaves la nsdown. what do you make about this report? it isa what do you make about this report? it is a really important report out today because it is principally involved with making sure people do not run out of money in retirement, it stems from three years ago as having a big change in pension laws giving people more freedom and flexibility in how they take their money from their pension. no longer are we expected to have a secure income in retirement, it is more likely we will draw ad hoc from our pension

it is insurers of the insurer. insurers can offload some of the risk, aggregate risk to a reinsurer. fema recently began a reinsurance program. we are transferring some of our risk, -- think of the nfit as a primary insurance. we are offloading our risk to reinsurers in the private sector. we as taxpayers are not holding the risk anymore. lastly, we took it to the next level. we transfer the risk to private reinsurers. we transfer it to the capital markets through insurance length securities. of catastrophed bonds? it is a type of insurance, like security. we put out a notice this week we intend to go to the capital market to transfer some of the risk through these insurance length securities. it is innovative. it reduces the burden on fema and reduces exposure of federal taxpayers and it will make our program stronger for those who are insured by the national flood insurance program. mr. cilluffo: let me pick up on that. then, i will open it up and pull a couple of people in before we -- but, when you think innova

what does insurance typically cover? it covers cancelled flights, lost bags, it cost 4 to 8% of your trip. if your vacation cost $5,000, travel insurance could run 2 to $400. experts say it can be worth it for expensive dream vacations but they say you should always read the fine print and not jump on the first insurance pitch that pops up when you book. >> i always recommend buying it separately because you want to have an advocate working on your behalf if there is a problem with the cruise or flight provider. >> reporter: how can you shop around? sites like travelinsurance.com and insuremytrip.com offer quotes from multiple companies, putting a price on peace of mind. gabe gutierrez, nbc news, atlanta. >>> coming up, an animal house, the new trend sweeping american colleges. >>> base brawl, what led to this bench-clearing fight on the field this afternoon? we'll tell you. >>> a major reversal tonight and an unexpected advocate for changing the laws on marijuana. former house speaker john boehner who once said he was o

jones says insurance companies don't have to stop at 75%.en wrote them and applauded companies that paid up to 100% while also waiving the inventory. >> some home insurers have waived it for north bay fire survivors, and i'm confident they can all waive it. >> reporter: jones doesn't have the power to order them. these fire victims want that to change. >> how quickly? >> now! >> now. retroactively. >> reporter: state farm told us the inventory is a simple listing of what was lost, but many fire victims complain it's not simple at all. they said the software they have to use is glitchy and cumbersome. state farm said it assigned specialized workers called adjustors to help survivors. it called the process a personalized experience, but most policy holders in this room say they've had five or more different adjustors in just six months. >> we're on our seventh adjustor. seventh. >> reporter: during our meeting, we met elsa hernandez. >> my priority is rebuilding. >> reporter: she and her husband, luis, say their claim is being reduced by $60,0

in our state insurance exchange and in the insurance market in 2008 hundrede folks that for the highest cost. those folks were costing us $200 million a year in order to supply them with health care. 2800 folks that were the highest cost. those folks were costing us $20 million a year in order to supply them with health care. that caused suspicion. we were expanding medicaid. we have not expanded medicare -- medicaid under obamacare. in theseleg up opportunities and we were trying to fashion an insurance market that the people of idaho want instead of what the federal government wants to sell them. i think a lot of those folks weren't looking, and that is not unusual, for that crowd in idaho to do that. host: the governor is currently in his third term. he is our guest until the top of the hour. if you would like to participate in the conversation today, (202) 748-8000. if you're in idaho residents, and all others around the .ountry, (202) 748-8001 when you first came up, you talked about the economy of idaho, and you talked about semiconductors. there is a large company in idaho, homeg

the fires caused more than $9 billion in insurance claims. some of the people who are trying to rebuild are finding out their insurance will not cover everything. we report from santa rosa on a veteran who says his policy did not provide nearly enough.>> reporter: retired air force combat fire pilot scott rooks, and retire medic laney long but their home four years ago. rooks says he wanted more insurance than you as a wanted to offer. he says the sales representative told him not to worry at the worst ever happened. >> he could understand that in he said, colonel rooks, we will rebuild your house. >> we thought we had enough insurance for our home and contents. >> 100%. i knew we would be okay. >> reporter: it turns out they were wrong by a country mile. >> we are probably in the 30% to 35% underinsured situation. >> reporter: united policyholders found after the 1989 oakland hills fire, just surveyed almost 501 country homeowners whose homes were totally destroy. it turns out that 66% say they learned from their insurers they are underinsur

auto insurance, homeowner's insurance, life insurance policies. knowing that usaa will always have my back... that's just one less thing you have to worry about. i couldn't imagine going anywhere else. they're like a friend of the family. we are the cochran family, and we'll be usaa members for life. save by bundling usaa home and auto insurance. get a quote today. you might be missing something.y healthy. your eyes. that's why there's ocuvite. ocuvite helps replenish nutrients your eyes can lose as you age. it has lutein, zeaxanthin and omega-3. ocuvite. be good to your eyes. ythen you turn 40 ande everything goes. tell me about it. you know, it's made me think, i'm closer to my retirement days than i am my college days. hm. i'm thinking... will i have enough? should i change something? well, you're asking the right questions. i just want to know, am i gonna be okay?

and that is why there is going to be an insurance war up here, a very big insurance war and for very, very good reason. united policyholders found -- 1989 oakland hills fire almost surveyed 500 wine country homeowners whose homes were totally destroyed. 66% say they have learned from their insurers that they are underinsured on their dwellings and 40% are underinsured on their contents, even if an insurance representative doesn't sell you enough coverage, which united policyholders says is often the case, the law protects the agents and insurers from liability. >> the law says that this guy, the agent only has a general duty to procure you insurance. they don't have a specific duty to procure you enough insurance. >> reporter: in the intense battle for your insurance business, united policyholders says the coverage that they actually sell you to get and keep your business is often less than the actual replacement value of your home. that's because few people ever actually lose their entire home. >> so they gamble that, okay, we know we are under insuring homes but that's what the cus

it is for the c e a is deft if a traditional insurance agency. >> irreverent so in the 80s the state of california passed a law that requires any company that writes the policies to over earthquake insurance the homeowners are not required by commissioner cranshaw can bye there was so much loss they were going to stop writing the insurance policies for earthquakes they wanted to stop a serious insurance policy. >> we're talking about the homeownership's buying the earthquake shiners but 70 percent are renters what's my opposite. >> the option for renter the earthquake be insurance company is affordable i think people don't realize just exactly what it covers it covers damaged property but loss of use if you have to be under a building they have a quarter main that was broken as well as emergency repair if interests glass breaks in the carpet you need to be in our unit that's whether earthquake is important. >> you're title you're the excessive mitigation officer for the state of california when i think of insurance i don't think about mitigation. >> so as part of public safety missio

earthquake insurance. is it worth it? >> we have been looking into earthquake insurance.is a question a lot of people ask. especially because people in california aren't covered by it. >> we should be talking about it more. today we talked with the california earthquake authority. it manages insurance coverage in the state. told us this. get this. nine out of ten homes in this state have zero coverage for earthquakes. only the red one is insured right there. you might think you have it, but homeowners and renters insurance those policies do not cover earthquakes. policies for quake damage are sold separately. of course. at an additional cost. according to to the department of insurance if you have homeowners insurance your policy provider must offer you earthquake insurance in writing. at least once every two years. you have 30 days to accept it. now it is not cheap. we used the calculator today to estimate premiums for a 1,500 square foot house. the result, $2,200 per year. now. premiums will vary based on the age and value of the home. it's important to shop around for

and that is common insurance lili nrn lingo. you might think you're insured for $237,726. you might have to fight to get 100% of that amount right there. here's how. do a home inventory right now. take your smartphone, go around the house to every room and document everything you own. take those files and then send them to the cloud for safekeeping. if you have a consumer complaint, please let us know about them like those people in santa rosa did. go to our website, nbcbayarea.com/response. >> so hard at a time when you're already dealing with so much. >> they're brought right back to the fire scene and that is part of the frustration out there. they feel it's not necessary examine they feel it's dragging them right back. >> is there a chance state farm could come clean and say, we're going for theul maximum and give money? >> possibly. it's a contract dispute. you can be the insurance company and i can be the insured, i can be the policyholder, and we can agree to things outside the contract as long as we agree to it together. that's not happening right now. that's happe

more than $9 billion came in insurance claims. homeowners thought they had enough insurance. problem is that many are now learning they are grossly underinsured. our report is in santa rosa tonight were anger over lack of insurance is rising.>> reporter: one lot after another lot is empty and not much building is going on. very little bit and insurance may be at the heart of quite a bit of it. there is about to be an insurance were starting up here, and for a very good reason. that united policyholders found in the 1989 oakland hills fire that they surveyed 900 wine country homeowners who had their home totally destroyed. it turns out that 66% say they learn from their insurers they are underinsured on their dwelling and 40% are underinsured on their contents. even if an insurance representative does not sell you enough coverage, which united policyholders say is often the case, the law retakes the agents and insurers from liability. >> the agent by the law only has a general duty to procure you insurance. they don't have a specific duty to procure you enough insurance. we're

are insured within a matter of seconds.pent more than 90 seconds purchasing insurance come you are doing something wrong. it is delightful and instantaneous and more remarkable man that, when you make a claim, it is the same thing. 1/3 of our claims are paid by our a.i. within three seconds. you press submit and the money is back on your debit card within three seconds. the only does a.i. allow us to transform the experience, but it allows us to lower costs. for first-time insurance buyers, younger consumers, the savings can be very dramatic, 70% to 80% savings more often than not. so, you have a lot on advertising and i am curious how some of these costs have paid off in growth. how are the costs stacking up relative to the progress you are making? david: we are a young company and have launched 18 months ago. these are early days, but we see growth well ahead of our expectations. in the six quarters we have been in business, we have grown 100% quarter on quarter. we are seeing growth that is way ahead of what we had initi

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of the insurance company or the agent. >> reporter: the insurance industry lobby in sacramento is soerful, they can block almost any proposal they dislike. so in 19 88 when car insurance rates ran wild a proposition was approved despite insurance lobbyist opposition. the proposition has protected drivers for more than $100 billion in additional -- from more than $100 billion in additional rate increases in the past30 years. >> it's going to take a ballot measure to fix this and getting the homeowners of the state to force the insurance companies to sell policies that do replace the actual value of your home. >> reporter: insurers, however, insist everything they are doing is fair and legal. but we're staying on this story because every policyholder has a stake in the outcome. tom vacar, ktvu fox 2 news. >>> he was suspended from class after accidentally firing a gun and injuring a student. coming up, new information about this teacher's future at the school. >> plus, big changes for a northern california freeway all thanks to the gas tax. ♪ ♪ get high speed internet from at&t. $30 pe

that will help me get health insurance.body here on the jimmy kimmel family, even the weird ones if you know what i mean -- >> jimmy: all right, well -- >> this was a big deal. >> jimmy: nothing at all, no problem at all. >> well, if it's nothing at all, hold on. then i guess you wouldn't mind if i plug my netflix special. >> jimmy: i did plug that already earlier, remember i said that? >> well, you don't do it like would do. >> jimmy: all right. >> what you didn't mention is live wire reviewed every single netflix special and mine was number three. >> jimmy: what's live wire? [ cheers and applause ] >> how dare you. how dare you! i'll tell you what i'm going to do. i'm going to sit right here. i'm going to enjoy the rest of your show. >> jimmy: on the floor? okay. >> yes, there we go. >> jimmy: now that i have no more time -- i was going to tell you everything about the nose. we were going to get one put in but i guess we can't do it because of health insurance guy over here. >> what is this? why do you have to make a big

insurance. o a lot of people are footing the bill by themselves. host: special lines in this 202-748-8000 if you're a caregiver, others, 202-748-8001. caregiver linethe in new york. good morning. caller: hi. i'm actually had to leave my job and come live with my mother at home because she gotten ill. i'm working for myself at home. but one thing i like to point new york, the laws surrounding having home health aides and all that stuff is draconian, they have regulations and all this stuff and all this paperwork and -- the workers' compensation board and these people are heavy anded sending threatening letters, we're going to fine you $8000, you didn't do this and it's really intimidating and i can clearly see where if elderly person, then ven if you didn't have any cognitive issues, which many do, it would be impossible -- with all of deal this -- the quagmire and the paperwork and red tape surrounding your home health agent. are somet you like you industrial-sized business and hey are very thre

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but there is one out of 10 of every patient who either doesn't have insurance or has an insurance planwith very high deduct doubles or where they have to pay a large percentage of their own medication and that is why we have to fix that. the indication piece of list prices in something we said publicly in 2016 really cut the prices in half, the list prices in half. it doesn't necessarily have led to decrease prices for patients. if you look at the controversy over insulin pricing, our insulin portfolio the last eight years although list prices have gone up, all of this game have gone to rebates and fees. none of it has been gained by pharmaceutical companies. we all need to join together in the health care system and say how do we solve this problem together uninsured patients get the money to rebates go to money directly. we have an insurance plan for employees to say every employee that has the prescription medication that we gave rebates for what go directly to the patient to cover the deduct double for them. those are the kinds of things we need to get to, what is their need and ho

so if you can't get insurance, mr. or mrs. american, or if your premiums are going up, you'll know who caused it. the president and congressional republicans by sabotaging the law that a majority of americans want to see stay on the books. making things worse, earlier this week the comment period ended for a proposed trump administration rule that is perhaps the most radical sabotage of our health care system yet, a rule that would expand the availability of junk insurance plans. these junk insurance plans would force higher premiums on people with preexisting conditions, impose an age tax on older americans, and once again could subject americans to the devastating effects of medical bankruptcy. which too many people go through now. many plans might not cover essential services like prescription drugs, maternity care, mental health services. each of these actions taken by president trump and republicans in congress will raise costs and reduce access. we are truly living under trumpcare today with no effort by the president or

insurance is an insurance anymore. it's prepaid expense of which you pay a high charge for. the second point is why can't we threw the fda allow the market to figure out how to pay for this. we can't sit here and figure it out. i guarantee you put enough people with enough greed to try to solve the problem coming go get a great solution for this problem. the last person we had to have running misses the government. we have to have the markets running it, innovators running it. people with bright ideas start a company and we will finance your treatment. if you're 65, hepatitis c ought to cost a whole lot less than if you were 25 because the earning power as that goes out is much greater. when you have a 98% cure rate of the disease that is 100% associated with hepatocellular carcinoma, why wouldn't we want to get smarter in how we pay for that? why would we want everybody to have that available? we can figure this out. the last people you want doing it as a people whose philosophy is never do what is best when you know what safer but there are proceed. it is not about what is

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insurance companies to obey the regulations.here. i started it. >>> you can really hear that homeowners frustration. why does it seem that the current legislature is kind of -- on any kind of insurance reform . >> they have control on all the houses. it's lobbying is second to none. they own pretty much every statehouse in the country. they have extraordinary influence in congress. they have almost unlimited amounts of money for campaign contributions and all kinds of other things they want to do. if they don't want something, they can block something from happening in legislature which is why prop 103 past because the public finally decided enough is enough 30 years ago. after 30 something years, the challenges for all of those 30 years, it is still being held as constitutional. >>> the father of a chp officer killed by a truck teenage driver announced support today for zero tolerance policy of driving. the group students against destructive decisions, and the father of the chp officer who is from victorville are backing a no t

question two, is your insurance adequate? after the fires, lots of people told us they discovered they were underinsured. and did not have enough coverage to fully rebuild. so do the math now. call your insurance agent tomorrow. figure out what you really need versus what you currently have. all right. question three. do you have a home inventory? it can be as simple as snapping a few photos of each room of your home and the items inside. do it. and store those files in the cloud. so if you have to file an insurance claim, you can prove what you owed. now, proving what you own might be surprised how critical that can turn out to be. i have a story tomorrow night focusing on just that. some santa rosa fire victims learned their insurance company is demanding a detailed itemization of what they lost. even if they lost everything. the hernandez family says that task is almost impossible. >> we're not trying to get any more than what we feel is rightly ours. and we're not lying when we say we've lost it all. you can come out and

one is extended funding for the children's health insurance program. that's significant for a number of children who receive insurance and health care under chip in san francisco and the state. so that will continue. [please stand by] . >> equivalent to those included in the proposed legislation to dismantle the affordable care act last year. that is just -- it does suggest that there's still not any conclusion to the debates over that safety net funding, despite the fact that we haven't had a wholesale repeal of the affordable care act. other efforts that have happened or are underway that we're watching closely, there is in the tax bill that the controller's office was just discussing, the repeal of the individual mandate has the requirement the individuals have insurance or face a tax penalty, that will go into effect in 2019, and that's likely to have an impact on the number of people who are insured in the individual market and also affect the premiums paid for those who do remain in the market. at the same time, the administration has made a deci

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[laughter] so, when you purchase insurance, you download the app, you will be insured in a matter of you spent more than 90 seconds buying insurance, you would have done something wrong. it is delightful, instantaneous, and more remarkable than that is when you make a claim it is the same thing, zero paperwork, instant everything, a third of our claims are paid by ai in three seconds. the money is back on your debit card within three seconds. and the best part, not only does ai transform the experience, but it allows us to lower costs. so for first-time insurance buyers, the younger consumers, the savings can be very dramatic, you are talking about 70% or 80% savings, more often than not. emily: so you have been spending a lot on advertising and am curious how some of the costs have paid off in growth. how are the costs stacking up relative to the progress you are making? daniel: we are still a young company, we launched 18 months ago, so we are young, but we see growth ahead of our expectations. we have grown 100% quarter on quarter. so certainly we are seeing growth that is way ahe

you might think you are insured for $300,000. you are insured up to that.ht have to fight to get 100% of that. here is how to do a home inventory. snap photos and document all that you own and send those files to the cloud for safekeeping. if you have a complaint, let us know about it. call us. at 7:54 we have more in "today in the bay." fee the pets in need, we'll introduce you to myrtle, next. internet providers promise business owners a lot. let's see who delivers more. comcast business offers fast gig-speeds across our network. at&t doesn't. we offer more complete reliability with up to 8 hours of 4g wireless network backup. at&t, no way. we offer 35 voice features and solutions that grow with your business. at&t, not so much. we give you 75 mbps for $59.95. that's more speed than at&t's comparable bundle, for less. call today. this morning -- some special guests from pets in need. >>> welcome back it is the clear the shelter segment. special guest from pets in need. foster coordinator amanda here with myrtle. i am in love. she is a mix. they are great

ip the biggest believer in insurance and when it comes to people, staff, and self-insured cities. we have to close the gap in insurance on building a culture of preparedness. the second goal is ready the nation for catastrophic disasters. i don't believe we are ready, earthquakes in california, cascade ya and we have a lot of work to do and we have to bolster and stay in local capabilities to do their own commodities. we're not that good that we can get there after a no-notice events. that's the best way response can work as a unified whole community effort. under that, there are things we are looking for. i'm worried about the wall of work coming to my agency as a result of what we went through. 2017, my agency picked up a new event every three days. i need staff members and we're asking for that in the budget under goal two. 41 staff internally. i can reimburse everybody else but not my own agency. as we pick up more disasters. i'm worried to respond to inquiries to processing paperwork and getting money out down the road. i'm asking for a down payment in the budget to help me b

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and the insurance companies a folded. it's a tribute that he would take the risk in the trouble to make sure that the people who needed it most were taking care. they have to deal with him. you mentioned the book already being on the third print. it sounds like there's been a lot of demand for it. many armenians consider kirk here. maybe talk about his relationship and how he saw his heritage and then maybe we can go from there. he was definitely a proud armenian. i would say, what concerned him sometimes is that there were a lot of factions in different groups. sometimes they don't get along that well. after the earthquake by stepping in and helping to set up the air left is an airlift by the way that rivals it was run by his end of into the different groups of charities. that banded together. but what did have the greatest satisfaction was that they all worked together. and this he felt was a serious accomplishment. i was all them. it was very important what they did. but kirk was a catalyst and proud to be an armenian.

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powerful insurance company lobbyists and campaign funding can and has often killed on many insuranceorm proposals. >> we'll put that to the test today. this is a fight. many of these are ideas that have been proposed before defeated by the insurance street. what's difference this time is the enormity of the disaster that befell california. >> reporter: if the legislature doesn't act, consumer watchdog that put proposition 103 on the ballot 30 years ago and saved consumers $100 million in auto insurance costs says it may well be time to put another initiative on the ballot to do the same for fire insurance. tom vacar, ktvu fox 2 news. >>> over 51 ladies who were brutally raped sleep better tonight. he isn't coming through the window. he's now in jail and he's history. >> a sense of relief across california. tonight a former police officer is behind bars after authorities say dna evidence linked him to a series of cold case rapes and killings. >> we found the needle in the haystack. and it was right here in sacramento. >> he was known by many names. the east area rapist, the original n

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so far he says every insurance in the state has agreed. >> noeported instances of an insurer denying mud slide state. >> reporter: higher premiums and in some instances loss of coverage. based on those losses, jones says insurance companies are updating what they charge and who they will insure. >> this very well could be the new norm in california. more frequent, more severe, more unpredictable fires and losses related there too. >> reporter: rob hays abc7 news. >>> hunting beach city council discussing a proposal to sue the state the law that blankets california with sanctuary status. >> we want the city attorney to file suit against the state of california to exempt us from sb 54. we are not going to be writing an ordinance, we are simply suing on the constitution of overreaching grounds. >> two other orange countyes lo v viejo has taken action against status. >>> been about six weeks since a gunman attacked their campus leaving 17 people dead. metal barriers leading them to campus and extra officers. students had mixed reaction. >> if somebody wanted to hide something in there, t