Fires In LA, Foreboding In DC

In the immediate aftermath of the mammoth fires in Los Angeles, Ralph welcomes Douglas Heller, Director of Insurance at Consumer Federation of America to fill us in on what to expect from the industry and how to get the most out of your fire insurance claims. Then, our resident constitutional scholar, Bruce Fein, returns to present a list of constitutional crises to expect upon the second coming of Donald Trump.

Douglas Heller is a nationally-recognized insurance expert and Director of Insurance at Consumer Federation of America. In addition to conducting research for and providing expertise to consumer rights organizations, Mr. Heller is a member of the U.S. Department of Treasury’s Federal Advisory Committee on Insurance, an appointee of California’s Insurance Commissioner, serving as a board member of the California Automobile Assigned Risk Plan, and he serves on the Executive Board of the Coalition Against Insurance Fraud.

A key thing for everybody to know is that the premiums that we have paid over the last several years here in California—and this really goes across the country, but in California in particular—have put the insurance industry in a perfectly healthy position to deal with the claims, as dramatic and as severe as these fires are and the amount of damage that they caused…For the insurance companies to cry poverty in the wake of the buildup of capital over the last several years would be outrageous, and so we're going to be watching for that.

Douglas Heller

The story around the country was that California was already a terrible hellscape for the insurance companies to do business in. When in fact, they were doing far better than the rest of the country. One of the big trade journals that reports on the industry has said that State Farm has been kept afloat by its performance in California over the last couple of years. And it was more a kind of a climate opportunism—after ignoring the potential (and then, growing) impact of climate change on property risk for years and decades, the insurance companies finally had this kind of revelation that oh they can talk about climate change as a new risk and a justification for demanding whatever they want.

Douglas Heller

Battle lines seem to be drawn—at least in my opinion—between the “Drill baby, drill. All we need to do is rake the leaves” camp versus “Hey, this is another wake up call to the climate crisis.” Because this was a severe weather event. And there were four major fires at once, and no fire department, whose main daily job is medical emergencies, is equipped to deal with that. Especially since the first two days the winds were so high—hurricane force winds—they couldn't get helicopters and airplanes into the air to make the drops in these canyons. And I don't think there's any amount of brush clearing that would have stopped these winds from whipping up these embers to send them into these residential districts.

Steve Skrovan

Bruce Fein is a Constitutional scholar and an expert on international law. Mr. Fein was Associate Deputy Attorney General under Ronald Reagan and he is the author of Constitutional Peril: The Life and Death Struggle for Our Constitution and Democracy, and American Empire: Before the Fall.

The Trump regime has a high probability of being the most lawless dictatorial regime in American history. All presidents violate laws, but Trump has taken this to a new, boastful level of variety.

Ralph Nader

The reason why it's more likely that Trump will