May 4, 2026 • 30 mins
The John Kobylt Show Hour 3 (05/04) - Attorney Roger Behle comes on the show to talk about regulators are seeking to suspend State Farm's license after the Palisades Fire debacle. Mayor Bass said some nasty things about Spencer Pratt. Another crazy guy was arrested near the White House with a gun.
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Speaker 1 (00:00):
Can't. I am six forty. You're listening to the John
Cobelt podcast on the iHeartRadio app. John Cobelt's Show, we're on.
We're back, first of all, and we're on every day
from three to six after six the podcast John Cobelt
Show on demand. Another way to enjoy the show is
on YouTube. And we just did a one hour live
stream and if you missed it, that's recorded and we'll
(00:24):
be putting it up on YouTube very shortly. It's already up.
It's already up. I said, very shortly. You're right about that,
So you could watch that the four o'clock hour on YouTube,
you know. I just we're going on every platform possible.
Apparently there's an insatiable appetite for more and more and
(00:46):
more of this nonsense, so we're gonna keep slinging it
out there. Time now to talk with Roger Bailey. Roger
Bailey is one of the lead attorneys in the massive
lawsuit representing thousands of Palisades former homeowners before the fire hit.
And today was big headlines because Ricardo Lara, the state
(01:08):
insurance commissioner, woke up after a long coma and claimed
they'd done a state farm and investigation specifically into State
Farm found almost four hundred violations of state law after
just sampling two hundred and twenty claims. Let's talk with
Roger Bailey see what this is about, because State Farm
(01:29):
is really angry and has fired back a very strongly
worded statement, Roger, how are you so?
Speaker 2 (01:36):
I'm doing good? John? How you doing?
Speaker 1 (01:38):
I'm good? What did the state find and are they
on target here? Do you think?
Speaker 2 (01:46):
Yeah? Well, it's worth mentioning that before the Palisase fire
in January twenty twenty five, you may remember that State
Farm summarily canceled sixteen hundred homeowners policies in Pacific Palisades alone,
as if they had some knowledge that there was going
(02:07):
to be the devastating fire in January. So you've had
at least sixteen hundred homeowners that found themselves suddenly without
insurance just months before the fire, and that continued through January.
Post fire. We received I mean, we represent close to
four thousand individual Palisades fire clients, and we would hear
(02:30):
periodic reports of their adjusters not getting back to them,
the adjusters being reassigned, they didn't receive responses to their inquiries.
There were delays, and so now you see the state
issuing this lengthy report called a market Conduct Report that found,
(02:53):
as you noted, three hundred and ninety eight violations by
State Farm, ranging from like not giving their insurance correct information,
not tinly responding to their inquiries, on and on and on.
And they're seeking to do a couple of things. One
they want to find State Farm between two and four
(03:14):
point three million, and secondly, they want to suspend State
Farm's license to operate in the state of California for
at least a year. So pretty heavy accusations, but again
ties in with what we've been hearing anecdotally over the
last year and a half from many, many, many people
that are insured by State Farm.
Speaker 1 (03:35):
State Farm is claiming that whatever was found is a
very tiny percentage of the overall number of claims that
were filed. Only about forty thousand dollars in additional payments
were identified, compared with more than five and a half
billion dollars already paid out. So they're saying that they
(03:56):
just nitpicked on a few isolated issues that in the
main they've done they've done the right thing.
Speaker 2 (04:06):
Yeah, it doesn't appear that way, because if you if
you believe the state's sampling protocol. They didn't just go
look for the problem areas. They've picked a random sampling,
and within that sampling they found multiple problems. And if
I said, when we started receiving as many complaints from
(04:30):
our clients that we did, we said, well, there's there's
something not right here. And there's a whole nother litigation
that's taking place by some fire victims against their own
insurance companies. Of course we're suing the state and the
city and others, but but there's a whole other lawsuit
(04:50):
and set of lawsuits that's that's directed against State Farm
and other insurers for bad claims handling. And you know,
this is I think that tip of the iceberg. What
you see here in the state's report is just a
kind of endemic of the whole industry.
Speaker 1 (05:09):
I have talked to a number of Palisades residents, just friends,
and also we take walks in the Palisades all the time,
and my wife likes to interview people on the hiking trail,
and this report match is what we've been hearing anecdotally
from just literally random people wandering around the Palisades. It
seemed like nobody was happy with their insurance response. And
(05:33):
is it just State Farm or all the companies guilty.
Speaker 2 (05:37):
Well, if you look at the total number of you know,
policies or homes that were destroyed, a State Farm at
one point had about a third of those homes, and
with the cancelations, that dropped lower, which left many either
bear with no insurance or forced to accept the California
Fair Plan, which had its own problems. You know, capped
(06:00):
at three million bucks. That won't buy very much rebuilding
in Pacific Palisades if you're capped at three million. So
we heard a lot of complaints. It's about all carriers,
but particularly State Farmed. You know, there's a lot of
people that just came forward and said, I've been with
State Farm for thirty years and I'm just being mistreated.
(06:23):
They're not responding to me. They keep assigning new adjusters.
I don't know who to talk to. I'm getting the
run around, which was you know, it was a problem.
When we heard about it, it was very suspects. So
if State Farm seems to be the biggest culprit. And
one other thing I'll mention that's interesting is you may
remember that about seventy insurers filed what are called subrogation
(06:49):
cases in the Palisades fire. That's when they go against
the state in the city to try to recover what
they've paid to their homeowners missing from that group of
insurers with State Farm. And we thought, well, that's really odd.
I wonder why State Farm isn't joining these other insurers
trying to get money back from the state of California
in the city of Los Angeles. And the word we
(07:10):
got informally was State Farm was worried that it would
it would be retaliated against by the state. Well, they
probably knew all this was cooking and decided not to
join that suit. That may all change now in light
of this filing today by the state.
Speaker 1 (07:27):
Is it all just greed? Is it all based on
bumping up the profits? Is there anything else at play
here as to why they'd be so systemically? I don't
know what the word to describe this. I mean, just
the whole system seems to be about denying proper payments
(07:47):
in a reasonable amount of time. Why what's the upside
here or there is no downside for them?
Speaker 2 (07:55):
Yeah, the old adage is they're very happy to take
your premiums like and then when it comes time to
pay claims, oftentimes the claims are challenged or they're delayed,
you know. And this is a time when people need
money just to live, and they need it immediately.
Speaker 1 (08:16):
There's a lot of cruelty in this, just human cruelty
when you do this to people.
Speaker 2 (08:22):
That's right. This is a time when they ought to
cut shades of gray in favor of the people that
suffered these losses. And just you know, it doesn't mean
you just give them whatever they want, but to delay
people or not to respond to them, to ignore them,
you know. Again, it just it looks like they're either
(08:43):
short on staffing to try to save money and make
more profit, or they just decided this is just that
we're in charge. We've got your money, and we're going
to run around the flagpole as often as we'd like.
In either case, it's really not the way it's supposed
to work. You rely on a carrier to be there
to pay a claim when you have a loss like this,
and State Farm wasn't.
Speaker 1 (09:05):
Roger, thanks very much for coming on again.
Speaker 2 (09:08):
My pleasure. Talk to you soon.
Speaker 1 (09:09):
Roger Bailey, one of the lead attorneys for the Palisades
Residence State Farm, getting hammered by the state of California.
We will talk about Karen Bass saying some really awful
things about Spencer Pratt and on a podcast. We'll play
that clip for you when we come back where she
(09:31):
is just got to control myself.
Speaker 3 (09:37):
Here, you're listening to John Cobelt on demand from KFI
A six forty.
Speaker 1 (09:44):
All right, Karen Bass, God, she's just sits there with
this smug arrogant phony smile at hers. She goes on
the podcast with one of these progressive women whose name
is Katie Fang Pha n G. You know, one of
these progressive women that wears the large, dark rimmed glasses.
(10:10):
Not talking about you.
Speaker 4 (10:13):
I do wear large glasses.
Speaker 1 (10:15):
Well, just just to read no. For them, it's like
it signifies something. I'm a serious progressive. That's the message
they're trying to get out. Anyway, she's on with her
Katie Fang and questions questions Spencer Pratt's motivations for doing
(10:36):
this running for mayor apparently I play the clip because
it's really pissed off a lot of people.
Speaker 4 (10:44):
Honestly, before this, I had never heard of speciers Brad,
so you are missing out on anything. So it's okay,
but please go on exactly. But the thing I am
concerned and feel about him is that I feel like
he's exploiting the grief of people in the palaces, and
I think that's mansible. That's that that that's the main thing.
(11:04):
And I think he is about his own celebrity. He's
famous now again m hm, and you.
Speaker 1 (11:12):
Know we stopped that. Wait, what kind of response is that?
First of all, this Katie thang, what did I tell you?
Smug progressive wearing the big glasses. You're not missing anything
as far as I've seen. I mean, he's had a
couple of commercials that are absolutely brilliant, and he's identified
what should be the crux of the campaign. I mean
the commercial he put out what was just last week
(11:32):
of the week before, which shows him standing in front
of Nathan Robbins's house and Bass's house and these are
two wealthy women with pristine properties that they live at,
you know, the cheat Bass lives in the mayor's house.
And then the camera pans to all the filth, garbage,
(11:55):
all the all the disgusting homeless people and drug addicts
and mental patients and points out the obvious they don't
care what's going on in the streets. Because they live
in neighborhoods where everything is wonderful. It doesn't matter to
them if other people, you know, dirty, unwatched people have
(12:17):
to deal with the crime and the homelessness and the garbage,
the amount of garbage in this city. I just spent
two weeks in Florida. There's no garbage. There is no
garbage on the streets the streets of Sarasota. None. Zero.
You don't have to live like this.
Speaker 4 (12:36):
Play some more is that I feel like he's exploiting
the grief of people in the Palisades. And I think
that's right. That's the main thing. And I think he
is about his own celebrity. He's famous now again. And
you know, for me, I am so well served that
I served at the state at level and at the
(12:58):
federal level. He done that the relationships. I know how
our government works.
Speaker 1 (13:03):
I think she could wait, wait time, wait, So where
were you on January seventh to twenty twenty five? I
know if the government works. There was nobody in charge
in Los Angeles, nobody in charge. I can't stand this
whole thing. I hear people say this. Well, you know,
at least Karen Bass has experience, what did it matter? Experience?
Doing what? She didn't have a war room going on,
(13:25):
with the with the big winds coming and the extreme
fire danger the firefighters were deployed. What was all the
experience for this was her moment. Experience means that in
a crucial moment, you rely on all your knowledge, all
the things that you have seen and done in the past,
so you can make the right decision. She didn't even
(13:47):
show up for work that day. She was I don't know,
eight thousand miles away. Holy crap, that is nerve play
some more.
Speaker 4 (13:56):
I know how our government works. I think she could
been fit by a basic civics course, because I don't
think he understands the basics of how any government works.
Speaker 1 (14:07):
Wait, wait, it's not. It's not basics of how government works.
Fire season, seven days of warning. Send the fire department
pre deployed and send it to the spot where they
had a fire few days a few days before that
they had abandoned before it was fully put out. What
an obnoxious, snotty lecture that is? I got to take
(14:30):
a break a yet, all right, we'll play more. How
much boy is left on this thing? Like over a
minute over a minute. We're only halfway through. Okay, no, no,
that's it's it's wow that geez Oh, she's gross. I
condensed it for time too, and you yeah, I like
the way she lowers a voice at one point. That's reprehensible.
(14:52):
He's telling the truth. Go through his ads, every single thing,
and all his ads are true. He's saying exactly what
ought to be said, and instead you get cliches and
platitudes and nonsense from Karen Bass and Nythia Rahmen. It's
somebody said to me the other day that they don't
buy this idea that Ramen is really running against Bass,
like suddenly they've had a breach in their friendship. That
(15:15):
maybe Ramen was put up there to siphon off some
of the anti Bass feeling and keep Spencer from getting
into the runoff. And I'm starting to think that's true.
I think that was a setup. Of course, people fall
for everything out here. There isn't a single scam that
that voters in California won't fall for. Oh well, we'll
(15:35):
talk more. Play the rest of this clip coming up.
I'm gonna go punch something.
Speaker 3 (15:39):
You're listening to John Cobels on Demand from kfi AM.
Speaker 1 (15:44):
Six forty, moistline eight seven seven moisteady six eight seven
seven moist eighty six are usually talkback feature on the
iHeartRadio app YouTube. We did a live stream at four o'clock.
It's now recorded and posted on YouTube. YouTube dot com
at John Cobelt Show. If you want to subscribe YouTube
dot com, slash at John Cobelt Show and you can
(16:06):
watch the live stream tonight. As part of our menu
are buffet of different audio and video ways to enjoy
the program. We had talked with Roger Bailey. I just
want to do this a little quick aside before we
get back to the Karen Bass tape. Roger Bailey is
one of the lead attorneys for the Palisades fire victims.
(16:29):
There was a big news story today. Ricardo Lara, the
Comatose insurance Commissioner, announced the big investigation of State Farm
and they just did a small sample of all the
claims and found hundreds of violations. I'm looking at the
New York Times and they think that the total fine
(16:49):
that State Farm will have to pay is maybe two
million dollars. Do you know how much money they take
in every year? Thirteen billion is their income thirteen billion
in California is huffing and puffing over a two million
dollar fine. That sounds like a few seconds worth of
(17:14):
profit there. Their actual profit is a billion and a
half dollars, so two million out of a billion and
a half dollars is not noticeable. So that this Ricardo
Larra thing is another scam. It's another hyped up press release.
(17:35):
The way the law works, you can't actually discipline state
farm very much financially. Okay, now back to Karen Bass.
All right, I'm gonna play this clip again from the beginning,
and I'll let that first minute run without interjecting anything
since I already and interjected enough. This is Bass on with
some irritating progressive woman named Katie Fang. It's a podcast,
(18:01):
and bass Thiss is Spencer Pratt. Apparently, these two bubbleheads,
Bass and Fang, they don't even account for for Pratt's
home burning to the ground. It's not possible that the
motivation for him running might be that he lost his home. Yikes, Okay,
(18:25):
roll the clip.
Speaker 4 (18:26):
Honestly, before this I had never heard of Spencer Brat,
so you are missing out on anything. So it's okay,
but please go on exactly. But the thing I am
concerned and feel about him is that I feel like
he's exploiting the grief of people in the Palisades, and
I think that's re Answible, that's the main thing. And
(18:47):
I think he is about his own celebrity. He's famous
now again. And you know, for me, I am so
well served that I served at the state at level
and at the federal level, so I have the relationships,
I know how our government works. I think he could
benefit by a basic civics course, because I don't think
(19:09):
he understands the basics of how any government works. But
you know, for me, these fires, it was the worst
natural disaster that we experienced in our city. At the
root of it, you know, we have to get adjusted, Toude,
just like everybody else in the nation, to different weather
(19:29):
experiences because of climate change.
Speaker 1 (19:33):
No, no, stop, stop stop climate change. It was started
by an arsonist, you bubble brain. It was started by
an arsonist because he couldn't get a date for New
Year's Eve and he was all pissed off. What is
wrong with Karen Bass? Really? Did somebody drop her on
(19:56):
her head? Climate change didn't start the fire. It was
a guy junted in by a girl. In fact, he
called four four people other women. Nobody wanted to go
out with him, so he just said, affitt, I'm gonna
burn the Palisades down. Because he also said he was
pissed off and sick of all the rich people enjoying
their lives. She acts like the whole thing was spontaneous combustion.
(20:23):
What an idiot, I mean, she is the biggest moron.
I am, honest to god, I thought Garcetti was the
biggest moron I'd seen running the city. She far outclasses
Garcetti in that regard. Oh my god. And then your
stupid fire department didn't put out the fire. They all left.
They all left because you hired somebody for DEI purposes
(20:47):
to run the fire department. Oh oh oh, and your
deputy mayor who is in charge of fire and police,
he was on house arrest for calling in a bomb threat,
a fake bomb threat, so you weren't there. The deputy
mayor in charge of the fire departments on house arrest,
(21:09):
and the fire department ran away from a fire they
never put out that was started by a guy who
was angry over not having a New Year's Eve date
and Bass blames and on climate change, and there are
people that are still going to vote for her. Thousands
(21:31):
and thousands of people play the rest of this.
Speaker 4 (21:36):
Let me change so we don't know hurricanes. I'm born
and raised in Los Angeles. For to have hurricane strength
wins and actually no rain is odd anywhere, but especially.
Speaker 1 (21:49):
No, no, no, no, that is normal in Los Angeles.
It's the Senada wins. Are you that stupid or that
much of a liar or both? Yikes? Played more.
Speaker 4 (22:08):
But you know, lives were lost, houses were lost, histories,
you know, And I mean it's just it's a lot.
It was a horrific tragedy. And you know, my job
is to get the Palisades rebuilt as fast as humanly possible.
And I will tell you that we get issued over
(22:28):
twenty six hundred permits. We have four about eleven hundred
different properties. We have four hundred plus homes that are
currently under construction. We have people be getting ready to
move in in the summer. And so rather than helping
move that along, I don't think anybody should exploit the
(22:50):
grief in any situation.
Speaker 1 (22:52):
Exploit the grief. You created the grief, You're responsible for
the grief. I cannot and I will never understand a
my dying day, how the hell a woman like her
beat Rick Caruso, who actually organized fire protection for his
shopping center, and then people bitched about that. No, he
(23:15):
would have organized fire protection for the whole city because
he is intelligent and Bass is stupid. What a stupid woman?
Natural disaster. Oh and of course Kamala Harris comes out
(23:42):
and endorses Karen Bass for mayor the only politician who
may be a bigger idiot than Karen Bass. So of course,
keep voting the way you're voting. It's all turning out
very well. When we come back, Well, I knew what
(24:07):
I was going to do, but I got so mad
I think I threw my paper out. Well, I'll find it.
Speaker 3 (24:13):
You're listening to John Cobelt on demand from KFI.
Speaker 1 (24:17):
SI John Cobelt's show. We got the podcast being released
shortly after six o'clock, and you go to YouTube and
see the video we did today. We live streamed the
four o'clock hour and you could follow us at John
co Belt Radio on social media as well. All right, now,
(24:38):
we had another nut who was carrying a gun near
the White House on the National Mall and one of
the Secret Service agents playing clothes agent and police officers.
They saw the imprint of the gun on him about
three point thirty Eastern time, and he tried to run
(25:03):
and he then fired at the officers, who fired back,
and the gunman was taken to the hospital. No word
on what happened. So it was another thing. It was
near the Washington Monument, just down the walkway from the
White House. We now have a guy who called in
(25:26):
death threats to a congressman's office who had announced the
other day that he wants to run to be a
US Senator in Pennsylvania to take on John Fetterman. This
guy's name is Raymond Chandler, the Third. He had declared
that he was running for the Senate for the twenty
twenty eight election cycle, and he'd been leaving voicemails to
(25:51):
an unnamed congress member threatening to kill the congress member,
Donald Trump and the congressperson's daughter. Give you an example
of imagine answering the phone in a political office these days.
So this guy, this guy calls the congressman and says,
(26:14):
because they have a transcript of his exact voicemail, sir,
I have I'm calling this because I want you to
imagine a scenario where all the twelve hundred billionaires in
this country, all their properties, are surrounded simultaneously by a
thousand people. So imagine your house, your daughter's house, everyone
you know and love who's also rich, every one of
(26:36):
them being surrounded by a thousand people. Then imagine all
of them getting a text and suddenly taking out their
pocket knives, walking slowly towards your house, and you've got
your ten guards or whatever against a thousand people, and
they come and they pull you out of the house,
and they slit your throat, and they slit your daughter's throat,
and they slit everyone's throat that you know, sir, is
(26:57):
the future. It's not a future I want. It's not
a future I'm advocating for. But wealth concentration has gotten
so bad in this country. Again, angry that successful people
are successful another one, and so he wants to see
(27:19):
thousands of people show up with pocket knives and slit
the throat of all the billionaires. Chandler actually has a
campaign website entitled Text the Billionaires sixteen Priorities. He also
wants to abolish ice, and he wants universal basic income. Yes,
like all these other left wing nuts, many of whom
(27:40):
are governed in California. And here's a second voicemail he left.
You're probably getting quite used to my voice, Sarah. I'm
calling this evening. What I want you to do is
to take a firearm. I want you to put it
in your hand. I want you to walk into the
Oval Office and I want you to put that firearm
to the President's head and I want you to pull
(28:00):
the trigger, and I want you to kill him. This
guy's running for Senate. I'm petitioning you, senator for redress
of grievances. My redress of grievances is that this president
is awful. He's a liar among all liars. He's a
great deceiver. He's the Antichrist. I want you to walk
into the Oval Office with a gun in your hand,
and I want you to put it to his temple,
and I want you to pull the trigger. That's what
(28:21):
I want you to do, is my agent. That's what
I want you to do, is my elected official. That's
what I am petitioning you to do with my free speech.
I want you to kill the president. I want you
to assassinate the president. That's what I want you to
do now, Senator, are you going to come after me?
Are you going to try me because of my voice
and what I said? And again, his name is Raymond Chandler.
(28:46):
There's a picture of them, thick, scraggly beard again in
the oversized, dark rimmed glasses. Some loser. I don't know
exactly his age here, but he has been federally charged
for making all these death threats. There are probably hundreds, hundreds,
(29:13):
maybe thousands of these people out there, and they've been
all stirred up into this frenzy of hatred against people
who are successful. And every single one of these people
is a big loser in life. And they can't look
at themselves and say it was my actions, my decisions,
(29:34):
or I was born with a severe mental illness. No,
it's like anybody who succeeds. It's not even enough to
take their money. We actually have to kill them. We
have to surround their house with pocket knives and slip
their throats. There you go, and he's running for office,
and you know what, in some places, I bit you
(29:55):
if he ran for office here in California and get
elected with that platform, All right, codways, coming up next,
we'll see you tomorrow. Michael Krozer has the news live
in the CAFI twenty four hour news run. You've been
listening to The John Cobelt Show podcast. You can always
hear the show live on KFI AM six forty from
three to six pm every Monday through Friday, and of
(30:17):
course anytime on demand on the iHeartRadio app KFI Am
six more stimulating talk
Can't. I am six forty. You're listening to the John
Cobelt podcast on the iHeartRadio app. John Cobelt's Show, we're on.
We're back, first of all, and we're on every day
from three to six after six the podcast John Cobelt
Show on demand. Another way to enjoy the show is
on YouTube. And we just did a one hour live
stream and if you missed it, that's recorded and we'll
(00:24):
be putting it up on YouTube very shortly. It's already up.
It's already up. I said, very shortly. You're right about that,
So you could watch that the four o'clock hour on YouTube,
you know. I just we're going on every platform possible.
Apparently there's an insatiable appetite for more and more and
(00:46):
more of this nonsense, so we're gonna keep slinging it
out there. Time now to talk with Roger Bailey. Roger
Bailey is one of the lead attorneys in the massive
lawsuit representing thousands of Palisades former homeowners before the fire hit.
And today was big headlines because Ricardo Lara, the state
(01:08):
insurance commissioner, woke up after a long coma and claimed
they'd done a state farm and investigation specifically into State
Farm found almost four hundred violations of state law after
just sampling two hundred and twenty claims. Let's talk with
Roger Bailey see what this is about, because State Farm
(01:29):
is really angry and has fired back a very strongly
worded statement, Roger, how are you so?
Speaker 2 (01:36):
I'm doing good? John? How you doing?
Speaker 1 (01:38):
I'm good? What did the state find and are they
on target here? Do you think?
Speaker 2 (01:46):
Yeah? Well, it's worth mentioning that before the Palisase fire
in January twenty twenty five, you may remember that State
Farm summarily canceled sixteen hundred homeowners policies in Pacific Palisades alone,
as if they had some knowledge that there was going
(02:07):
to be the devastating fire in January. So you've had
at least sixteen hundred homeowners that found themselves suddenly without
insurance just months before the fire, and that continued through January.
Post fire. We received I mean, we represent close to
four thousand individual Palisades fire clients, and we would hear
(02:30):
periodic reports of their adjusters not getting back to them,
the adjusters being reassigned, they didn't receive responses to their inquiries.
There were delays, and so now you see the state
issuing this lengthy report called a market Conduct Report that found,
(02:53):
as you noted, three hundred and ninety eight violations by
State Farm, ranging from like not giving their insurance correct information,
not tinly responding to their inquiries, on and on and on.
And they're seeking to do a couple of things. One
they want to find State Farm between two and four
(03:14):
point three million, and secondly, they want to suspend State
Farm's license to operate in the state of California for
at least a year. So pretty heavy accusations, but again
ties in with what we've been hearing anecdotally over the
last year and a half from many, many, many people
that are insured by State Farm.
Speaker 1 (03:35):
State Farm is claiming that whatever was found is a
very tiny percentage of the overall number of claims that
were filed. Only about forty thousand dollars in additional payments
were identified, compared with more than five and a half
billion dollars already paid out. So they're saying that they
(03:56):
just nitpicked on a few isolated issues that in the
main they've done they've done the right thing.
Speaker 2 (04:06):
Yeah, it doesn't appear that way, because if you if
you believe the state's sampling protocol. They didn't just go
look for the problem areas. They've picked a random sampling,
and within that sampling they found multiple problems. And if
I said, when we started receiving as many complaints from
(04:30):
our clients that we did, we said, well, there's there's
something not right here. And there's a whole nother litigation
that's taking place by some fire victims against their own
insurance companies. Of course we're suing the state and the
city and others, but but there's a whole other lawsuit
(04:50):
and set of lawsuits that's that's directed against State Farm
and other insurers for bad claims handling. And you know,
this is I think that tip of the iceberg. What
you see here in the state's report is just a
kind of endemic of the whole industry.
Speaker 1 (05:09):
I have talked to a number of Palisades residents, just friends,
and also we take walks in the Palisades all the time,
and my wife likes to interview people on the hiking trail,
and this report match is what we've been hearing anecdotally
from just literally random people wandering around the Palisades. It
seemed like nobody was happy with their insurance response. And
(05:33):
is it just State Farm or all the companies guilty.
Speaker 2 (05:37):
Well, if you look at the total number of you know,
policies or homes that were destroyed, a State Farm at
one point had about a third of those homes, and
with the cancelations, that dropped lower, which left many either
bear with no insurance or forced to accept the California
Fair Plan, which had its own problems. You know, capped
(06:00):
at three million bucks. That won't buy very much rebuilding
in Pacific Palisades if you're capped at three million. So
we heard a lot of complaints. It's about all carriers,
but particularly State Farmed. You know, there's a lot of
people that just came forward and said, I've been with
State Farm for thirty years and I'm just being mistreated.
(06:23):
They're not responding to me. They keep assigning new adjusters.
I don't know who to talk to. I'm getting the
run around, which was you know, it was a problem.
When we heard about it, it was very suspects. So
if State Farm seems to be the biggest culprit. And
one other thing I'll mention that's interesting is you may
remember that about seventy insurers filed what are called subrogation
(06:49):
cases in the Palisades fire. That's when they go against
the state in the city to try to recover what
they've paid to their homeowners missing from that group of
insurers with State Farm. And we thought, well, that's really odd.
I wonder why State Farm isn't joining these other insurers
trying to get money back from the state of California
in the city of Los Angeles. And the word we
(07:10):
got informally was State Farm was worried that it would
it would be retaliated against by the state. Well, they
probably knew all this was cooking and decided not to
join that suit. That may all change now in light
of this filing today by the state.
Speaker 1 (07:27):
Is it all just greed? Is it all based on
bumping up the profits? Is there anything else at play
here as to why they'd be so systemically? I don't
know what the word to describe this. I mean, just
the whole system seems to be about denying proper payments
(07:47):
in a reasonable amount of time. Why what's the upside
here or there is no downside for them?
Speaker 2 (07:55):
Yeah, the old adage is they're very happy to take
your premiums like and then when it comes time to
pay claims, oftentimes the claims are challenged or they're delayed,
you know. And this is a time when people need
money just to live, and they need it immediately.
Speaker 1 (08:16):
There's a lot of cruelty in this, just human cruelty
when you do this to people.
Speaker 2 (08:22):
That's right. This is a time when they ought to
cut shades of gray in favor of the people that
suffered these losses. And just you know, it doesn't mean
you just give them whatever they want, but to delay
people or not to respond to them, to ignore them,
you know. Again, it just it looks like they're either
(08:43):
short on staffing to try to save money and make
more profit, or they just decided this is just that
we're in charge. We've got your money, and we're going
to run around the flagpole as often as we'd like.
In either case, it's really not the way it's supposed
to work. You rely on a carrier to be there
to pay a claim when you have a loss like this,
and State Farm wasn't.
Speaker 1 (09:05):
Roger, thanks very much for coming on again.
Speaker 2 (09:08):
My pleasure. Talk to you soon.
Speaker 1 (09:09):
Roger Bailey, one of the lead attorneys for the Palisades
Residence State Farm, getting hammered by the state of California.
We will talk about Karen Bass saying some really awful
things about Spencer Pratt and on a podcast. We'll play
that clip for you when we come back where she
(09:31):
is just got to control myself.
Speaker 3 (09:37):
Here, you're listening to John Cobelt on demand from KFI
A six forty.
Speaker 1 (09:44):
All right, Karen Bass, God, she's just sits there with
this smug arrogant phony smile at hers. She goes on
the podcast with one of these progressive women whose name
is Katie Fang Pha n G. You know, one of
these progressive women that wears the large, dark rimmed glasses.
(10:10):
Not talking about you.
Speaker 4 (10:13):
I do wear large glasses.
Speaker 1 (10:15):
Well, just just to read no. For them, it's like
it signifies something. I'm a serious progressive. That's the message
they're trying to get out. Anyway, she's on with her
Katie Fang and questions questions Spencer Pratt's motivations for doing
(10:36):
this running for mayor apparently I play the clip because
it's really pissed off a lot of people.
Speaker 4 (10:44):
Honestly, before this, I had never heard of speciers Brad,
so you are missing out on anything. So it's okay,
but please go on exactly. But the thing I am
concerned and feel about him is that I feel like
he's exploiting the grief of people in the palaces, and
I think that's mansible. That's that that that's the main thing.
(11:04):
And I think he is about his own celebrity. He's
famous now again m hm, and you.
Speaker 1 (11:12):
Know we stopped that. Wait, what kind of response is that?
First of all, this Katie thang, what did I tell you?
Smug progressive wearing the big glasses. You're not missing anything
as far as I've seen. I mean, he's had a
couple of commercials that are absolutely brilliant, and he's identified
what should be the crux of the campaign. I mean
the commercial he put out what was just last week
(11:32):
of the week before, which shows him standing in front
of Nathan Robbins's house and Bass's house and these are
two wealthy women with pristine properties that they live at,
you know, the cheat Bass lives in the mayor's house.
And then the camera pans to all the filth, garbage,
(11:55):
all the all the disgusting homeless people and drug addicts
and mental patients and points out the obvious they don't
care what's going on in the streets. Because they live
in neighborhoods where everything is wonderful. It doesn't matter to
them if other people, you know, dirty, unwatched people have
(12:17):
to deal with the crime and the homelessness and the garbage,
the amount of garbage in this city. I just spent
two weeks in Florida. There's no garbage. There is no
garbage on the streets the streets of Sarasota. None. Zero.
You don't have to live like this.
Speaker 4 (12:36):
Play some more is that I feel like he's exploiting
the grief of people in the Palisades. And I think
that's right. That's the main thing. And I think he
is about his own celebrity. He's famous now again. And
you know, for me, I am so well served that
I served at the state at level and at the
(12:58):
federal level. He done that the relationships. I know how
our government works.
Speaker 1 (13:03):
I think she could wait, wait time, wait, So where
were you on January seventh to twenty twenty five? I
know if the government works. There was nobody in charge
in Los Angeles, nobody in charge. I can't stand this
whole thing. I hear people say this. Well, you know,
at least Karen Bass has experience, what did it matter? Experience?
Doing what? She didn't have a war room going on,
(13:25):
with the with the big winds coming and the extreme
fire danger the firefighters were deployed. What was all the
experience for this was her moment. Experience means that in
a crucial moment, you rely on all your knowledge, all
the things that you have seen and done in the past,
so you can make the right decision. She didn't even
(13:47):
show up for work that day. She was I don't know,
eight thousand miles away. Holy crap, that is nerve play
some more.
Speaker 4 (13:56):
I know how our government works. I think she could
been fit by a basic civics course, because I don't
think he understands the basics of how any government works.
Speaker 1 (14:07):
Wait, wait, it's not. It's not basics of how government works.
Fire season, seven days of warning. Send the fire department
pre deployed and send it to the spot where they
had a fire few days a few days before that
they had abandoned before it was fully put out. What
an obnoxious, snotty lecture that is? I got to take
(14:30):
a break a yet, all right, we'll play more. How
much boy is left on this thing? Like over a
minute over a minute. We're only halfway through. Okay, no, no,
that's it's it's wow that geez Oh, she's gross. I
condensed it for time too, and you yeah, I like
the way she lowers a voice at one point. That's reprehensible.
(14:52):
He's telling the truth. Go through his ads, every single thing,
and all his ads are true. He's saying exactly what
ought to be said, and instead you get cliches and
platitudes and nonsense from Karen Bass and Nythia Rahmen. It's
somebody said to me the other day that they don't
buy this idea that Ramen is really running against Bass,
like suddenly they've had a breach in their friendship. That
(15:15):
maybe Ramen was put up there to siphon off some
of the anti Bass feeling and keep Spencer from getting
into the runoff. And I'm starting to think that's true.
I think that was a setup. Of course, people fall
for everything out here. There isn't a single scam that
that voters in California won't fall for. Oh well, we'll
(15:35):
talk more. Play the rest of this clip coming up.
I'm gonna go punch something.
Speaker 3 (15:39):
You're listening to John Cobels on Demand from kfi AM.
Speaker 1 (15:44):
Six forty, moistline eight seven seven moisteady six eight seven
seven moist eighty six are usually talkback feature on the
iHeartRadio app YouTube. We did a live stream at four o'clock.
It's now recorded and posted on YouTube. YouTube dot com
at John Cobelt Show. If you want to subscribe YouTube
dot com, slash at John Cobelt Show and you can
(16:06):
watch the live stream tonight. As part of our menu
are buffet of different audio and video ways to enjoy
the program. We had talked with Roger Bailey. I just
want to do this a little quick aside before we
get back to the Karen Bass tape. Roger Bailey is
one of the lead attorneys for the Palisades fire victims.
(16:29):
There was a big news story today. Ricardo Lara, the
Comatose insurance Commissioner, announced the big investigation of State Farm
and they just did a small sample of all the
claims and found hundreds of violations. I'm looking at the
New York Times and they think that the total fine
(16:49):
that State Farm will have to pay is maybe two
million dollars. Do you know how much money they take
in every year? Thirteen billion is their income thirteen billion
in California is huffing and puffing over a two million
dollar fine. That sounds like a few seconds worth of
(17:14):
profit there. Their actual profit is a billion and a
half dollars, so two million out of a billion and
a half dollars is not noticeable. So that this Ricardo
Larra thing is another scam. It's another hyped up press release.
(17:35):
The way the law works, you can't actually discipline state
farm very much financially. Okay, now back to Karen Bass.
All right, I'm gonna play this clip again from the beginning,
and I'll let that first minute run without interjecting anything
since I already and interjected enough. This is Bass on with
some irritating progressive woman named Katie Fang. It's a podcast,
(18:01):
and bass Thiss is Spencer Pratt. Apparently, these two bubbleheads,
Bass and Fang, they don't even account for for Pratt's
home burning to the ground. It's not possible that the
motivation for him running might be that he lost his home. Yikes, Okay,
(18:25):
roll the clip.
Speaker 4 (18:26):
Honestly, before this I had never heard of Spencer Brat,
so you are missing out on anything. So it's okay,
but please go on exactly. But the thing I am
concerned and feel about him is that I feel like
he's exploiting the grief of people in the Palisades, and
I think that's re Answible, that's the main thing. And
(18:47):
I think he is about his own celebrity. He's famous
now again. And you know, for me, I am so
well served that I served at the state at level
and at the federal level, so I have the relationships,
I know how our government works. I think he could
benefit by a basic civics course, because I don't think
(19:09):
he understands the basics of how any government works. But
you know, for me, these fires, it was the worst
natural disaster that we experienced in our city. At the
root of it, you know, we have to get adjusted, Toude,
just like everybody else in the nation, to different weather
(19:29):
experiences because of climate change.
Speaker 1 (19:33):
No, no, stop, stop stop climate change. It was started
by an arsonist, you bubble brain. It was started by
an arsonist because he couldn't get a date for New
Year's Eve and he was all pissed off. What is
wrong with Karen Bass? Really? Did somebody drop her on
(19:56):
her head? Climate change didn't start the fire. It was
a guy junted in by a girl. In fact, he
called four four people other women. Nobody wanted to go
out with him, so he just said, affitt, I'm gonna
burn the Palisades down. Because he also said he was
pissed off and sick of all the rich people enjoying
their lives. She acts like the whole thing was spontaneous combustion.
(20:23):
What an idiot, I mean, she is the biggest moron.
I am, honest to god, I thought Garcetti was the
biggest moron I'd seen running the city. She far outclasses
Garcetti in that regard. Oh my god. And then your
stupid fire department didn't put out the fire. They all left.
They all left because you hired somebody for DEI purposes
(20:47):
to run the fire department. Oh oh oh, and your
deputy mayor who is in charge of fire and police,
he was on house arrest for calling in a bomb threat,
a fake bomb threat, so you weren't there. The deputy
mayor in charge of the fire departments on house arrest,
(21:09):
and the fire department ran away from a fire they
never put out that was started by a guy who
was angry over not having a New Year's Eve date
and Bass blames and on climate change, and there are
people that are still going to vote for her. Thousands
(21:31):
and thousands of people play the rest of this.
Speaker 4 (21:36):
Let me change so we don't know hurricanes. I'm born
and raised in Los Angeles. For to have hurricane strength
wins and actually no rain is odd anywhere, but especially.
Speaker 1 (21:49):
No, no, no, no, that is normal in Los Angeles.
It's the Senada wins. Are you that stupid or that
much of a liar or both? Yikes? Played more.
Speaker 4 (22:08):
But you know, lives were lost, houses were lost, histories,
you know, And I mean it's just it's a lot.
It was a horrific tragedy. And you know, my job
is to get the Palisades rebuilt as fast as humanly possible.
And I will tell you that we get issued over
(22:28):
twenty six hundred permits. We have four about eleven hundred
different properties. We have four hundred plus homes that are
currently under construction. We have people be getting ready to
move in in the summer. And so rather than helping
move that along, I don't think anybody should exploit the
(22:50):
grief in any situation.
Speaker 1 (22:52):
Exploit the grief. You created the grief, You're responsible for
the grief. I cannot and I will never understand a
my dying day, how the hell a woman like her
beat Rick Caruso, who actually organized fire protection for his
shopping center, and then people bitched about that. No, he
(23:15):
would have organized fire protection for the whole city because
he is intelligent and Bass is stupid. What a stupid woman?
Natural disaster. Oh and of course Kamala Harris comes out
(23:42):
and endorses Karen Bass for mayor the only politician who
may be a bigger idiot than Karen Bass. So of course,
keep voting the way you're voting. It's all turning out
very well. When we come back, Well, I knew what
(24:07):
I was going to do, but I got so mad
I think I threw my paper out. Well, I'll find it.
Speaker 3 (24:13):
You're listening to John Cobelt on demand from KFI.
Speaker 1 (24:17):
SI John Cobelt's show. We got the podcast being released
shortly after six o'clock, and you go to YouTube and
see the video we did today. We live streamed the
four o'clock hour and you could follow us at John
co Belt Radio on social media as well. All right, now,
(24:38):
we had another nut who was carrying a gun near
the White House on the National Mall and one of
the Secret Service agents playing clothes agent and police officers.
They saw the imprint of the gun on him about
three point thirty Eastern time, and he tried to run
(25:03):
and he then fired at the officers, who fired back,
and the gunman was taken to the hospital. No word
on what happened. So it was another thing. It was
near the Washington Monument, just down the walkway from the
White House. We now have a guy who called in
(25:26):
death threats to a congressman's office who had announced the
other day that he wants to run to be a
US Senator in Pennsylvania to take on John Fetterman. This
guy's name is Raymond Chandler, the Third. He had declared
that he was running for the Senate for the twenty
twenty eight election cycle, and he'd been leaving voicemails to
(25:51):
an unnamed congress member threatening to kill the congress member,
Donald Trump and the congressperson's daughter. Give you an example
of imagine answering the phone in a political office these days.
So this guy, this guy calls the congressman and says,
(26:14):
because they have a transcript of his exact voicemail, sir,
I have I'm calling this because I want you to
imagine a scenario where all the twelve hundred billionaires in
this country, all their properties, are surrounded simultaneously by a
thousand people. So imagine your house, your daughter's house, everyone
you know and love who's also rich, every one of
(26:36):
them being surrounded by a thousand people. Then imagine all
of them getting a text and suddenly taking out their
pocket knives, walking slowly towards your house, and you've got
your ten guards or whatever against a thousand people, and
they come and they pull you out of the house,
and they slit your throat, and they slit your daughter's throat,
and they slit everyone's throat that you know, sir, is
(26:57):
the future. It's not a future I want. It's not
a future I'm advocating for. But wealth concentration has gotten
so bad in this country. Again, angry that successful people
are successful another one, and so he wants to see
(27:19):
thousands of people show up with pocket knives and slit
the throat of all the billionaires. Chandler actually has a
campaign website entitled Text the Billionaires sixteen Priorities. He also
wants to abolish ice, and he wants universal basic income. Yes,
like all these other left wing nuts, many of whom
(27:40):
are governed in California. And here's a second voicemail he left.
You're probably getting quite used to my voice, Sarah. I'm
calling this evening. What I want you to do is
to take a firearm. I want you to put it
in your hand. I want you to walk into the
Oval Office and I want you to put that firearm
to the President's head and I want you to pull
(28:00):
the trigger, and I want you to kill him. This
guy's running for Senate. I'm petitioning you, senator for redress
of grievances. My redress of grievances is that this president
is awful. He's a liar among all liars. He's a
great deceiver. He's the Antichrist. I want you to walk
into the Oval Office with a gun in your hand,
and I want you to put it to his temple,
and I want you to pull the trigger. That's what
(28:21):
I want you to do, is my agent. That's what
I want you to do, is my elected official. That's
what I am petitioning you to do with my free speech.
I want you to kill the president. I want you
to assassinate the president. That's what I want you to
do now, Senator, are you going to come after me?
Are you going to try me because of my voice
and what I said? And again, his name is Raymond Chandler.
(28:46):
There's a picture of them, thick, scraggly beard again in
the oversized, dark rimmed glasses. Some loser. I don't know
exactly his age here, but he has been federally charged
for making all these death threats. There are probably hundreds, hundreds,
(29:13):
maybe thousands of these people out there, and they've been
all stirred up into this frenzy of hatred against people
who are successful. And every single one of these people
is a big loser in life. And they can't look
at themselves and say it was my actions, my decisions,
(29:34):
or I was born with a severe mental illness. No,
it's like anybody who succeeds. It's not even enough to
take their money. We actually have to kill them. We
have to surround their house with pocket knives and slip
their throats. There you go, and he's running for office,
and you know what, in some places, I bit you
(29:55):
if he ran for office here in California and get
elected with that platform, All right, codways, coming up next,
we'll see you tomorrow. Michael Krozer has the news live
in the CAFI twenty four hour news run. You've been
listening to The John Cobelt Show podcast. You can always
hear the show live on KFI AM six forty from
three to six pm every Monday through Friday, and of
(30:17):
course anytime on demand on the iHeartRadio app KFI Am
six more stimulating talk
The John Kobylt Show News
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John Kobylt
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