we have the story from napa. >> the problem is we were dramatically underinsured. >> his family lost a home last october, a complete loss he thought was covered by insurance. 14 months later, he is still battling with farmer's insurance over how much it will cost to rebuild the 3200 square foot house. >> we are in the hole over $700,000. we were not even covered 50% with the insurance. >> in late 2015, he used farmer's own estimator to come up with a replacement value of $661,000. they sent an appraiser who determined the rebuild would cost $1.3 million. according to those who advocate for policy holders, they are not alone when it am cans to dealing with the insurance companies after a total loss. >> this is a huge problem. >> amy is the executive director of an organization called united policy holders. >> for happens when there is a total loss. that's when people find out that the insurance company did not fully insure them and they basically were deceived. >> bedrooms were on this side and living room over here. >> farmer's agreed to kick in another 25%, but well short of the act

lawsuit found in its own study 97% of affected homeowners were underinsured. since the fire 14 months ago, l insurers have been set in motion. attorneys for one set of policyholders plan to announce their lawsuit later this morning in rose. in general, attorneys say victims from starting to rebuild their lives. >> it is 6:06. >>> many are calling it a sliver of hope here, in the battle to solve california's homeless crisis. the latest federal count finds california's homeless population fell slightly over the past year, just under 130,000. that drop of about 1500 from the previous year, and also marks the largest dip numbers wise anywhere in the u.s. nationally, the numbers of homeless stayed about the same. >>> developing overnight, a man is robbed at an atm in concord, and the suspect is still on the run. it happened last night outside the wells fargo in the oak grove plaza shopping center, just before 8:00. l-whipped the victim. he got away with the deposit bag which contained an unknown amount of cash. >>> sonoma county leaders reportedly meet behind close

a lot of families are underinsured. they cannot afford cost-sharing or the deductibles are too high. there is more that democrats have proposed in order to lower costs. people on theut higher range of income, not being able to afford coverage. think about other ways we can extend subsidies to make sure insurance is affordable for people, middle-class. guest: thinking about the sustainability, brian is right that cost is an issue. -- chairman powell: over the past year, the economy has been growing at a strong pace. the unemployment rate has been near record lows and inflation has been low and stable. all of those things remain true today. since the september meeting, some cross current have emerged. i'll explain how my colleagues are incorporating about the

six families announced lawsuits against aaa, they announce aaa knowingly and systematically underinsured fires and that led insurers to rely on the calculations on what would be covered in the event of a total loss. >> aaa made verbal assurances through their own captivated agents, people that work for the company that they will have popular coverage and calculate that amount. aaa made assurances in its insurance policy that they will provide, quote, an amount we estimate to be 100% of the replacement costs of the dwelling coverage. >> we relied on aaa to fully insure us, i, on many occasions, more than 5, went into the offices to ask are we fully insured? are we okay? every time i was told, you're fine. >> some of the homeowners say they were grossly underinsured, sometimes to the tune of hundreds of thousands of dollars. >> now the remaining evacuees from last month's camp fire in butte county are allowed to return home. the amount of whom and what is to blame for the fire is intensifying, rising temperatures are making western wildfires more frequent and severe. scientists say any dis

allegations by homeowners, their insurance companies left them vastly underinsured. a law firm representing hundreds of santa rosa fire victims reportedly found in its own study 97% of affected homeowners were underinsured. since the fire just a few months ago, legal claims against several insurers have been set in motion. attorneys for one set of policyholders plan to announce their lawsuit later this morning in santa rosa. in general, attorneys say insurers are preventing fire victims from start to start to rebuild their lives. >>> those big waves are still putting on quite a show, a show best seen from a safe distance. some people checking out those waves from the parking lot at nick's restaurant in rockaway beach last night got soaked. others ran for cover just in time. >> i saw it coming, i knew to run. >> people from all over the area are coming to watch all the surfing or whatever, the waves. it's just -- it's crazy. >> luckily, no one was inside the lighthouse hotel banquet room yesterday when a wave crashed through. the room is yellow tagged and that walkway

now problems in the future is being underinsured to rebuilding. >> abc 7 news reporter laura anthony has the story from nap that. >> reporter: bob and his family last their homes in the north bay fires. he is still battling with farmers insurance to rebuild. >> we are in the hole over 700,000. we were not even covered 50% with with the insurance. >> reporter: in late 2015, he used farmers own estimator tool to come up with a replacement value of $661,000. after the fire, farmers sent an appraiser to the property, who determined the rebuild would really cost more than $1.3 million. according to those who add indicate for policyholders, bob albo and his family are not a loin when it comes to dealing with their insurance companies after a total loss. >> don't deceive us. don't let us think we are assured to value is and then find out in your darkest time that we're not. >> reporter: amy bock is the director of a san francisco organization called nighted policyholders. >> it sounds like this homeowner has very good evidence on his side that he did everything right and that farmers needs

the latest barrage of lawsuits allege that aaa, insured customers knowing they were underinsured. homeowners relied on their calculations and promises assuming they would be fully covered. in fact, many were left under insured by hundreds of thousands of dollars. some up to $1 million. >> i feel like i was taken advantage of. they did not do what they were promising us. i spoke to more than three different people. >> larry is also $1 million short. said aaa should have known about the magnitude of this destruction. it is not feasible for me to rebuild at this level. >> he is also $1 million short. >> i want the house back the way it was. it is a shame that they don't do that for the homeowners. >> aaa made verbal assurances through their agents that they would have proper coverage. aaa made assurances in their policies that they would provide an amount we estimate to be 100% of the replacement cost. >> aaa quietly change the fine print on page 26, to moto the c >> this change violates california insurance code because they were not provided with proper notice. >> the statement whi

talking about those that are underinsured they cannot afford cost-sharing and then to talk those on the higher range of income that cannot afford coverage so i think about other ways we can extend the subsidies that insurance is affordablera. >> so thinking about the sustainability certainly cost is an issue in terms of just out-of-pocket but also thinking of the cost to the federal government where the aca did not do enough it did a lot to expand coverage which is great but if you do that you really do need to take it seriously you have to look at cost and i don't want to blame the aca uniquely but it is further entrenched problematic than where we tend as a country to do a very good job to subsidize insurance we do very little to reduce the cost of healthcare at any point and that is true of the individual exchanges and a lot of situations but that is a systematic issue but i don't want to blame them per se but certainly i would say it has done much more. >>host: new york hello. >>caller: good morning. think you c-span. has anybody given thoughts like medicaid as an option? i totally

to the camp fire, there's an issue many more people will be dealing with, talking about being underinsuredhen it comes to trying to rebuild the home they lost. >> it's a problem many who lost everything in last month's fires are still dealing with 14 months later. laura anthony has more now from napa. >> reporter: the coverage was based on using their tools, the farmer tools. >> like thousands of others, bob and his family lost a home in the north bay fires last october, a complete loss he thought was covered by his insurance. but 14 months later, he's still battling with farmers insurance over how much it will cost to rebuild the 3200 square foot house. >> we're in the hole of $700,000. we're not even covered 50%. >> reporter: he used farmer's own estimator tool to come up with a replacement value of $661,000. after the fire, he sent an appraiser to the property who determined the rebuild would cost more than $1.3 million. according to those who advocate for policy holders, bob and his family are not alone when it comes to dealing with their insurance companies after a total loss. >> don'

. >> through aaa's negligence i'm about $1.2 million underinsured and i'm not able to rebuild unless is successful. >> calamity can happen and people rely upon their insurance company to protect them and they need to do so and give them proper advice as relates to these issue. >> after the fire disaster rebuilding costs in the fire zone did spike, but attorneys say aaa should have adjusted the policies to account for those increases. as for its part, aaa says the 2017 wildfires had a devastating toll on our north bay communities and we will continue to take all of our policyholders' concerns seriously. the company says it has helped many customers in the north bay to rebuild and move back into brand-new homes. >>> the san jose couple accused of stealing nearly half a million dollars in designer clothing from department stores, zoila martinez and jose figueroa were arrested after a three-month investigation. police say they were running a major fencing operation at a makeshift storefront known as betsy's fashion on south king road. detectives recovered more than $430,000 worth of stol

a lot of families are underinsured. they cannot afford cost-sharing or the deductibles are too high. there is more that democrats have proposed in order to lower costs. ben talked about people on the higher range of income, not being able to afford coverage. think about other ways we can extend subsidies to make sure insurance is affordable for people, middle-class. guest: thinking about the sustainability, ryan is right that cost is an issue. but it is important to think about the cost facing the federal government. one of the areas where the aca did not do enough, was it did a lot to expand coverage and improve access, but if you're going to do that, you need to take it seriously that you also have to take cost on. i do not want to blame the aca uniquely. it has further entrenched what the problematic incentives are, where we tend as a country to do a good job of subsidizing the heck out of insurance. we do very little to work to reduce the cost of health care at any point. that is true of the employer market, individ

makes people underinsured. >> harris: why don't they just go to the e.r. again? >> capri: exactly.free clinics. one of the things they could do is extend those premium tax credits from the silver plan down to the bronze plan, which has those huge deductibles. it's something that most democrats and republicans have said previously that they support. it stabilizes the marketplace. >> melissa: no, no, no. no, because all of those things are just flooding more government money into this zone. you're talking about who pays for it. what we really need to talk about is bringing the cost down. you want to figure out how that happens prayed one second. all you have to do is look at one president trump talked about lowering the price of drugs. i thought, lipitor -- $1400. who is paying $1400 for lipitor? >> harris: nobody, because they are using the generics. >> melissa: guess who is? taxpayers. medicare will pay hospital $1400 for lipitor because you don't have the consumer right -- you need transparency. >> capri: you need -- >> kennedy: what do you like? i would love to enter this discuss

lawsuit found in its own study 97% of affected homeowners were underinsured. since the fire 14 months ago, legal claims against several insurers have been set in motion. attorneys for one set of policyholders plan to announce their lawsuit later this morning in rose. in general, attorneys say insurers are preventing fire victims from starting to rebuild their lives. >>> many are calling it a sliver of hope here, in the battle to solve california's homeless crisis. the latest federal count finds california's homeless population fell slightly over the past year, just under 130,000. that drop of about 1500 from the previous year, and also marks the largest d wis anywhere in the u.s. nationally, the numbers of homeless stayed about the same. and happening today, the san jose city council may take a big gamble on two tiny home communities as part of the city's plan to house the homeless. "today in the bay's" kris sanchez is live in one of those proposed sites. kris? >> reporter: hi there, marcus. we're here across from san jose flea market on maybury road and one o

which is full of loopholes, still 29 million people without health insurance, tens of millions underinsured, the corporations run away with record profits, drug companies, hospital chains, insurance companies, huge executive compensation. so if they overturn judicially, which is not likely, obamacare, even "the wall street journal" has said this will open up the path to single-payer, full medicare for all, everybody in/nobody out, much more efficient. and above all, it gives you your free choice of doctor and hospital. you're not corralled in these narrow networks. if you go on a network, -- out of network, you have to pay a tremendous price out of your own pocket. for is what we're waiting congress to do now. the congressional committees, with their fat budgets and staff under the republicans, have been sitting on their hands. they have not been engaging in public hearings, amy. they have not been engaging in supervising the corruption in the executive branch. we are going to present to the progressive chairs of the house of representatives a whole list of hearings that have to be held in

they have no insurance or underinsured or have high deductibl deductibles.octor. >> hope you have conversations at dinner parties. >> page 62. >> thank you so much. >> thank you. >> "am i dying" goes on sale tuesday. >>> ahead the mayor of atlanta defends her christmas home cooking after twitter users called her out. you are watching "cbs this morning." users called her out. you're watching cbs this morning. a lot will happen in your life. wrinkles just won't. neutrogena® rapid wrinkle repair's derm-proven retinol works so fast, it takes only one week to reveal younger looking skin. neutrogena® kayla: our dad was in the hospital. josh: because of smoking. but we still had to have a cigarette. had to. kayla: do you know how hard it is to smoke in a hospital? by the time we could, we were like... what are we doing? kayla: it was time for nicodermcq. the nicodermcq patch with unique extended release technology helps prevent your urge to smoke all day. and doubles your chances of quitting. nicodermcq. you know why, we know how. >>> she tweeted photos of her chri

create a true culture preparedness that does not exist in this country, people are underinsured, peoplean't put their hands on 500 bucks to buy the insurance which makes fema's role increase exponentially. we have provided more assistance in the last 16 months than the agency has done combine of the past 10 years. we have put more assistance forward and last 16 months than the agency did in the last 30 years combined. 38 years have impacted the last 16 months and my agency never gets enough credit report. i'm asking for your help. the laws need to change on how we do recovery housing. we need to have oversight and accountability not over assess not only on fema but also what is going on at the state and local level. there are nine states that don't have a rainy day budget. what are we doing about it? if you are expecting fema to be the only respondent in the first responder for all these events, you're going to have to quadruple my budget and increase my stepping tremendously. i don't think that is the way forward i don't think that a bigger fema is the answer here. so, i am here today,

people are underinsured. people can't put their hands on $500 to buy the insurance. which makes fema's role greater and increasing exponentially. we have put forward more individual assistance in the last 16 months than the agency has done in the 10 years previous combined. we actually have responded and put more assistanced for in the last 16 months than the agency did in the last 38 years combined. 38 years of impact into the last 16 months and my agency never gets enough credit for it. i'm asking for your help. because laws need to change on the way we do disaster recovery housing. we need to have oversight and accountability not only of fema, but also of what's going on at the state and local level. there's nine states that don't have a rainy day fund in this country. what are we doing about it to make sure that they have their own baseline capability to handle disasters? if you're expecting fema to be the only responder and first responder for all these events, then you're going to have to quadruple my budget and increase my staffing patterns tremendously. i don

a lot of families are underinsured.y cannot afford cost-sharing or the deductibles are too high. there is more that democrats have proposed in order to lower costs. people on theut higher range of income, not being able to afford coverage. think about other ways we can extend subsidies to make sure insurance is affordable for people, middle-class. guest: thinking about the sustainability, brian is right that cost is an issue. -- ryan. but it is important to think about the cost facing the federal government. one of the areas where the aca did not do enough, was it did a lot to expand coverage and improve access, but if you're going to do that, you need to take it seriously that you also have to take cost on. i do not want to blame the aca uniquely. it has further entrenched what the problematic incentives are, where we tend as a country to do a good job of subsidizing the heck out of insurance. we do very little to work to reduce the cost of health care at any point. that is true of the employer market, individual excha