July 8, 2025 • 27 mins
(July 08,2025)
What went wrong with State Farms L.A. fire response. Gen Z turning to AI to do their dating dirty work — breakup texts and apologies. TSA allow shoes to stay on for airport screening tests.
What went wrong with State Farms L.A. fire response. Gen Z turning to AI to do their dating dirty work — breakup texts and apologies. TSA allow shoes to stay on for airport screening tests.
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Episode Transcript
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Speaker 1 (00:01):
You're listening to Bill Handle on demand from kf I
AM six forty Bill Handle here. We're about to start
a heat spell.
Speaker 2 (00:10):
If you're out in the valley Woodland Hills where my
kids live, gonna one hundred and six hundred and eight degrees,
so I won't.
Speaker 1 (00:18):
Be visiting them. How hard are they going to be
in Burbank Head there?
Speaker 3 (00:23):
I think today it's going to be in the eighties,
mid to.
Speaker 1 (00:26):
Right, So that's not bad. It'd be a lovely day. Yeah.
Unfortunately in Texas not so much.
Speaker 2 (00:31):
The death toll those horrific Texas floods now is at
one oh five and they're still dozens or at least
a couple of dozen that are missing.
Speaker 3 (00:42):
All We're expecting a press conference here in the next
little bit with an update from officials there in Texas
as well, so we'll make sure we get the latest information.
Speaker 2 (00:51):
All right, and before we move on and talking about
State Farm in the LA fire response, real quickly, Neil,
you have a broadcast.
Speaker 1 (00:58):
Coming up on Saturday and range.
Speaker 4 (01:00):
Tell us about that here in Santa Clarita off of
Magic Mountain Parkway at Wild Fork Foods there in Santa Clarita,
July twelfth. That's this Saturday. I'll be there for the
show two to five. Come out, say hello fifteen minutes.
Every fifteen minutes there's going to be giveaways. There'll be
a grill pit master out there with Wild Fork food samples.
(01:22):
You can win a barbecue proteins from Wild Fork, Dodgers tickets,
Magic Mountain tickets, Hornblower Dining, yacht tickets. So that's this
Saturday there on Magic Mountain Parkway at the Wildfork Foods.
You can find details at KFI AM six forty dot
com slash wild Fork.
Speaker 2 (01:43):
Be there if you happen to be caught up in
the fire area Palisades, the Eating fire, and you happen
to have State Farm state Farm policy. State Farm being
the largest insurer in California. Here we are six months
after the January seventh firestorm, sixteen thousand structures and homeowners
(02:07):
are getting a little bit upset. How is the state's
largest insure handling the claims for damages?
Speaker 1 (02:15):
Well?
Speaker 2 (02:15):
Last month, Insurance Commissioner Ricardo Laura announced because of the complaints,
regulators would start a quote market conduct examination focusing on
State Farm and how they handled and.
Speaker 1 (02:29):
Here's the issue.
Speaker 2 (02:30):
How they handled smoke damage not so much. A house
that is burnt, that's an easy one. You replace the
house or part of it if it's destroyed. Okay, here's
the value of the house or whatever their policy limits were.
If there is fire damage, okay, we'll have to replace
that garage or that piece of roof or whatever. How
(02:52):
about smoke damage, Well, that's not really fire damage.
Speaker 1 (02:57):
Yeah it is, And.
Speaker 2 (03:00):
That is a big, big issue because.
Speaker 1 (03:07):
State Farm is saying in many cases not really. And
so that's one fight.
Speaker 2 (03:15):
There's another fight, and this one I think is more understandable.
The homeowners in complaining to Laura about their dealings with
State Farm and this is a complaint specific complaint to
the California Department of Insurance which Laura runs, and calling
for an investigations. Here what they complained about being shuffled
to shuffled off to multiple inexperienced adjusters, feeling ghosted by
(03:40):
unanswered calls and emails, being refused.
Speaker 1 (03:43):
Tests for toxins.
Speaker 2 (03:45):
That's another one that's up in the air, and getting
inadequate offers to fix their homes, and a lawsuit has
been filed and emotional damage has been alleged. Now here's
the question Okay, you have a situation where you have
sixteen thousand structures and a huge proportion are ensured by
(04:10):
State Farm and inexperienced adjuster. Do they really have enough
adjusters that are on their bench that are experienced enough
to deal with the claim like this, Well you should
have had more adjusters. Okay, how many we had sixteen
thousand homes go up? Well you should have figured it out. Well,
(04:33):
how about the next time God forbid is twenty five
thousand homes. You should have enough adjusters, You should have
enough infrastructure. Now am I saying State Farm is doing
a great job.
Speaker 1 (04:42):
I don't know.
Speaker 2 (04:44):
I haven't made a claim to State Farm, but this
is certainly not a one way street. One testimonial part
of the complaints said, throughout this entire process, State Farm
has been like a black hole where hope and fairness
go to die. They have misrepresented what is and what
is not covered under our policy, ignored hygienis report that
(05:08):
shows concerning levels of asbestos, giving us low ball offers
that are in no way a good faith effort to
settle our claims, and that may very well be true.
Don't know the answer to that. And here's the problem.
That insurance companies have and this happened.
Speaker 1 (05:24):
I'm going to make an analogy here with the BP horizon.
Speaker 2 (05:28):
Remember when that oil rig exploded in the Gulf of Mexico,
the BB Horai, the BP horizon and the oil spill
covered I don't know a third of the golf and
they started writing checks immediately, because.
Speaker 1 (05:45):
You can do one of two things.
Speaker 2 (05:47):
One you can say, we're not going to write the
checks until we figured out these were not fraudulent claims,
or we're going to write the checks and deal with
it later. So what does State Farm do? Does it
not negotiate with anybody? And by the way, that's not
to say that they've negotiated in bad faith or good faith.
(06:07):
I don't know the answer, but I do know when
you're dealing with this many structural issues, these many structural issues,
when you're dealing with the kind of damage that has
been done by these fires, does State Farm have a duty?
Do they have the ability to look at these policies
(06:28):
and start negotiating like they do all.
Speaker 1 (06:30):
The time, or do they just boom rite the check?
Speaker 2 (06:33):
And when you multiply this over the number of thousands
of claims, there is a real issue so at this point,
Ricardo Laura announced last month that the Insurance Commission would
start a market conduct examination that's in quotes, focused on
State Farm's handling of smoke damage. And that's a big
(06:54):
fight because State Farm is claiming that smoke damage is
not covered under structure damage, and in reality it is.
I don't know if you've ever been near a building
that hasn't been touched by the fire, but the building
next door, the house next door, the business across the
street where the smoke has come over the property. You've
(07:18):
got to tear that house has to be down to
the studs. The dry wall itself sucks up the smoke
like a sponge, and there is no way to undo
that without literally tearing up part the entire house, the drywall,
bringing it down to the studs and starting from there.
(07:40):
And State Farm is saying, no, not really, And so
you've got the smoke damage issue.
Speaker 1 (07:48):
And so far, State Farm.
Speaker 2 (07:51):
Has said that it has paid out four point two
billion dollars as of June thirtieth, and they're looking at
lawsuits and they're looking at investigations.
Speaker 1 (08:06):
Now here is here's a factoid which I thought was
kind of interesting.
Speaker 2 (08:09):
You've heard me talk about the Fare Plan, and that
is insurance is a last resort for people who can
either afford insurance for their homes or they can't get
insurance for their homes because there are fire areas now
where no insurance company will pick up fire insurance. And
so those people go to the Fair Plan, and that's
the California Plan.
Speaker 1 (08:29):
Paid by insurers to a limited degree.
Speaker 2 (08:32):
And there are limitations to how much money you can
get out of there, and it costs a fortune, and
all it is fire.
Speaker 1 (08:40):
That's all you get. Now. The rest of the insurers
who have insured homes throughout.
Speaker 2 (08:46):
The entire area, you know, there's enough money there to
pay off all the claims. They have enough reserves to
pay off all the claims. I would have thought the
first thing I would have thought when this fire broke out,
the Eaton and the Palisades fire and all these thousands
of structures when and went up, first thing I thought,
of insurance company is going to go bankrupt. There's no
way they can pay for all of these claims. It's impossible.
(09:08):
They can, they are they do. It's the California Fair
Plan that's running out of money.
Speaker 1 (09:16):
All right. Now, I'm going to have fun. This is
going to be a.
Speaker 2 (09:20):
Fun topic now for those of you who have blown
people off, and most of most of us have at
some point or another. You know, dating, and it's got,
it's over basically, and it's always about It's not you,
it's me, which of course is about you. The fact
is I don't like you or I don't want to
be near you. Well, let me tell you what gen
(09:42):
Z is doing. They're using AI.
Speaker 1 (09:45):
To do that.
Speaker 2 (09:48):
There's a new national survey from a dating company called
wing Mate for young adults have used AI to help
end a relationship. Women slightly more use than men to
let these bots do the work.
Speaker 1 (10:04):
The survey pulled over a thousand US.
Speaker 2 (10:06):
Adults who've used AI for dating, and it shows how
deep AI has embedded itself in modern romance.
Speaker 1 (10:17):
And I hadn't.
Speaker 2 (10:18):
Thought of that about this because I have. I don't
remember it last time I've blown someone off. As a
matter of fact, I don't think I ever have. I've
always been the one who's been blown off. But so
much for that so that I'm not a big part
of this. Nearly half of eighteen to twenty nine year
olds said they've turned to AI to write breakup texts, apologies,
(10:38):
manage relationship conflict. So the most common uses include dating
bio optimization.
Speaker 1 (10:47):
Anybody want to tell me what that is? What is
dating bio optimization? Any idea? And you're looking at me, Heather, anybody.
Speaker 3 (10:58):
Pretty obvious match you up with your based on your biology.
Speaker 5 (11:03):
Biology.
Speaker 4 (11:05):
To me, it sounds like if you're going to be
on a dating app, you're putting your bio together for
your dating app that you wanted to think you sound good.
Speaker 5 (11:12):
That's what it sounds like to me.
Speaker 1 (11:13):
All right, maybe all right, I'm sure people out there know.
Speaker 2 (11:17):
But the common uses include that dating bio optimization, conversation starters,
replying the messages, resolving conflict.
Speaker 1 (11:28):
Now about a.
Speaker 2 (11:28):
Third of the users ask direct dating advice straight out,
and nearly have turned to AI for helping write apologies.
How difficult is it to write I'm sorry? Do you
really need AI.
Speaker 1 (11:45):
To do that?
Speaker 2 (11:46):
As something else I don't do is apologize. Now, for
some people, it's, according to the surveys, fascinating stuff. For
some people, it's simply about simplicity. Nine percent said that
dating simply becomes simpler with A and twenty one percent
said it helped them to talk to more people, opening
(12:06):
conversations like Hey, what are you wearing, which is a
great conversation starter.
Speaker 1 (12:14):
Others said it boosted their confidence.
Speaker 2 (12:17):
We can use that a lot. And so AI is
now doing the dirty work.
Speaker 1 (12:24):
So this is a story out of the New York Post.
Of course it is.
Speaker 2 (12:28):
And the New York Post asked chat gpt to craft
a blowoff texts and within seconds it was polite, it
was emotionally distant, and it was a goodbye. One viral
post captioned quote when he sends a breakup text that
(12:51):
looks entirely written.
Speaker 1 (12:52):
By chat gpt.
Speaker 2 (12:55):
It is and that's really that's racked up about two
hundred and forty views. See the other side of it
is there are chat GPT detectors which show whether or
not this is real, so you can actually tell.
Speaker 1 (13:12):
And here's one And this is what the New York
Post did.
Speaker 2 (13:16):
One percent Ai GPT and they just came up with
someone and here it is, Hey, Merrit, I really enjoyed
spending time with you these past few weeks. You're honestly amazing.
But I've been thinking about things and I don't feel
like we're the right match. I didn't want to lead
you on, so I figured it's best to be honest.
(13:39):
I hope you understand, and I really do wish you
all the best, leaving out the part where I really
think you're a skink that is not put into the
AI the chat GPT.
Speaker 1 (13:53):
That's what I would do, which is why, well, let
me put it this way. You know where I sit
on that.
Speaker 2 (13:59):
Most people said it was useful or neutral, and about
one in five said yeah, they use it, but they
don't tell anybody.
Speaker 1 (14:10):
So there were some TikTok blowoff messages that have been featured.
Speaker 2 (14:14):
There's a wave of videos where users share breakup messages
they believe were written by AI.
Speaker 1 (14:20):
And how do you know, well.
Speaker 2 (14:21):
Oddwording, stiff tone, robotic delivery and I can't tell.
Speaker 1 (14:27):
But for a lot of people it works.
Speaker 2 (14:31):
Fifty seven percent claiming they trust AI over a friend
for dating advice. And if you have any doubts as
to the business of AI, then in terms of dating,
let me give you two companies. Your Move is one
and riz is another one. And what they do is they.
Speaker 1 (14:52):
Market themselves as full on dating co pilots.
Speaker 2 (14:56):
Your Move now has over three hundred thousand users, so
they say promises to put your texting on cruise Control.
It generates text messages in seconds. He writes bios, boost photos, critiques,
dating profiles fifteen bucks a month.
Speaker 5 (15:12):
Okay.
Speaker 2 (15:12):
A better one that I like is riz, which basically
does the same thing. Personalized responses that are sure to
impress your crush. Is the way they advertise that, the
way they market that weekly plans starting at just ten dollars.
Speaker 1 (15:30):
Weekly. Or we have one of those. Well, you asked
me to put together one of you quitting the show. Correct,
that's right, I forgot.
Speaker 2 (15:38):
I had asked Ann to go to chat gpt and
create a blowoff text to the show that I am leaving.
I am done, I am finished with you guys. I
am bored.
Speaker 1 (15:53):
I am sick of you.
Speaker 2 (15:56):
So here's what we did, using chat GPT and asking
Ai to basically write a text from me to the
rest of the crowd here on the Morning Show where
I just want out. I'm blowing you guys off. I'm
(16:17):
not happy here. I'm bored with you. It's just time
to leave. Which is interesting because next Wednesday is we're
going to celebrate thirty two years of me being on
the Morning Show.
Speaker 5 (16:32):
You're going to celebrate thirty well, yeah, you.
Speaker 2 (16:33):
Guys are, and of course I'm going to celebrate. Brents
Deli is coming in and I'm just taking the entire
just all of it, and take any of the other
room in reading and eating and reading at the same time. Now,
let's go ahead, and you had this done, Neil, you
are going to read the text in which I blow
off the rest of you.
Speaker 4 (16:53):
This is basically you on the air. This is written
as you on the air quitting the show. Okay, okay, yeah,
this is you. All right, that's it. I've had it.
I'm done. I can't do this anymore. This morning show
a disaster. I show up every day at the crack
is stupid. I prep I read, I yell at everyone,
(17:14):
and for what to be surrounded by people who can't
figure out how to turn on a microphone, let alone
run a radio show.
Speaker 5 (17:22):
We've got I love that it pulled this name.
Speaker 4 (17:25):
We've got Tyler over there pressing buttons like he's launching
a nuclear missile. It's kno, now, by the way, chat GPT,
except somehow none of them are the right ones. And
I don't and don't get me started on production. It's
like they're running the board with Oven mits on. I
ask for one sound clip one and I get three
(17:45):
seconds of an ad for dog food from twenty nineteen.
Speaker 5 (17:48):
Oh and the.
Speaker 4 (17:49):
News team, God bless them. If the world ends during
this broadcast, we'll find out next Tuesday, maybe after a
weather update. I'm supposed to carry this thing me like
some radio sherpa dragging a dead yack of Mount Everest.
Speaker 1 (18:06):
Nope, no more, I quit.
Speaker 5 (18:08):
I'm going home.
Speaker 4 (18:09):
I'm gonna sit in my jacuzzi, drink bad wine and
scream into the void like a normal person. Enjoy the static, folks.
Mike slams long awkward silence off, Mike mutter where's my
damn coffee?
Speaker 2 (18:25):
And scene Now that literally was chat Gpt writing that.
Speaker 1 (18:30):
Correct.
Speaker 5 (18:31):
Yeah, but it sounds kind of like you. It does,
it does and everything.
Speaker 1 (18:36):
I love that. I love that.
Speaker 4 (18:38):
And this is something I didn't have. Your current engineer,
Kono had Tyler in it.
Speaker 1 (18:46):
Yeah, just funny, now what I yes true?
Speaker 2 (18:49):
So that you know, we talk about AI making mistakes,
which it does now in reality, if I were not.
Speaker 1 (18:56):
To use AI to leave this sh show.
Speaker 2 (19:01):
I would simply write a text with two words, the
first one starting with f uh and the second and
the followed by off and this conversation is done at
that point.
Speaker 1 (19:15):
But but that was fascinating.
Speaker 2 (19:17):
So it actually was able to take what this show
is about, uh and sort of take the flavor of
how I and you approach it.
Speaker 1 (19:27):
That is actually great stuff.
Speaker 5 (19:29):
That would be awesome in real time.
Speaker 4 (19:31):
Like if you've ever if you ever saw the Wonderful
show the Good Place where they couldn't cuss, So go
to cuss and it would it would modify.
Speaker 5 (19:40):
That's what we need for you.
Speaker 4 (19:41):
We needed you to speak into chat GBT and it
would clean it up.
Speaker 5 (19:45):
For our consumption.
Speaker 4 (19:47):
Yeah, like it would change references to modern references. I said,
Rex the wonder worse things like that, props they would
you would reverse them, and we.
Speaker 1 (19:59):
Need to do you need to do that.
Speaker 5 (20:01):
Oh you know what I did?
Speaker 3 (20:02):
I did a since you were talking about dating, I
had it write a quick dating profile for Bill. So
if Bill was dating and actually on one of these apps,
and this is what it said. I yell into a
microphone for a living and people actually listen. Host of
the Bill Handles Show and Handle the Law, where I
give marginal legal advice and remind people they're usually wrong.
Twice divorced semi retired and still showing up to work
(20:25):
before sunrise. Clearly, I'm a glutton for punishment. I enjoy sarcasm,
arguing for sport and reminding millennials that sarcasm isn't a
trauma response. Not looking for a yoga guru or someone
trying to find themselves. I already know who I am,
and you should too. Sipe write if you like brains, blunt, honesty,
and breakfast at four am, everyone else, go listen to
(20:46):
doctor Phil.
Speaker 1 (20:49):
Wow. You know that's something I gotta tell you.
Speaker 2 (20:51):
I am more impressed with AI by the minute. You
know that it does catch the flavor of things or
we're gonna have.
Speaker 1 (21:00):
Yeah. Yeah, by the way, I'm not.
Speaker 2 (21:03):
Twice Sometimes they're wrong, but you know it's close.
Speaker 1 (21:08):
It just felt like twice divorced.
Speaker 3 (21:10):
That's all, okay, It definitely it definitely caught your spirit
for sure in both of those.
Speaker 1 (21:16):
Quick fun We should you know, we should do that
with all of us.
Speaker 5 (21:20):
You know, your phone, let's look at your phone.
Speaker 4 (21:23):
The big boss, Paul Krvi, you know, just texted us
and said, why did we resign you?
Speaker 5 (21:27):
That AI version would do better?
Speaker 1 (21:31):
Really?
Speaker 3 (21:32):
Oh?
Speaker 2 (21:32):
Yeah, you're right, So you know we have to do
that with everybody here, you know, you Neil and blowing
off the show. That is very very funny stuff. All
right now, just a quick one, uh that I want
to share what you were going to end it with
this And this has to do with us going.
Speaker 1 (21:52):
Through airport security.
Speaker 2 (21:54):
And one of the things about going through airport security
in the United States is you take your shoes off,
of which is probably the biggest pain in the ass
that you can imagine. You go to Europe, other parts
of the world, you don't take your shoes off.
Speaker 1 (22:09):
It's mainly the United States.
Speaker 2 (22:11):
And why is it that they want to take why
you have to take your shoes off? This comes right
from a road Runner cartoon and Wiley Coyote. Another name
for Wiley Coyote is Richard Reid who after nine to
eleven got on an airplane I think was Miami to
(22:34):
Paris or Paris to Miami, and he had explosives in
his shoe I think it was the heel of a
shoe or the entire bottom of the shoe, and he
was trying to light the explosives, ignite the explosives because
there were matches sticking out, and he went ahead and
(22:55):
tried to ignite them with matches. This is Wiley. There
is no question about that. It happened once once, never
been repeated.
Speaker 1 (23:10):
It didn't work. It was cartoonish to begin with.
Speaker 2 (23:14):
And since then, how many and I would say, in
the billions of people, well, certainly in the billions of
trips that have been.
Speaker 1 (23:23):
Taken where shoes have to come off.
Speaker 2 (23:26):
Well, the TSA is finally coming to reason a little
bit and they're saying, Okay, maybe maybe.
Speaker 1 (23:36):
We shouldn't take our shoes off.
Speaker 2 (23:38):
Most people who go into the preferred category, and I
have one of those, I don't even know what they
call it, super select, super secret, super safe category. They
do it because the shoes business, that's what they do
it for. So there's nothing nothing like going through an
airport and taking off one shoes, taking off the belt,
(23:59):
and then my paints fall down and they're around my
ankles and it's it's really embarrassing, and it's just it's horrible.
Speaker 1 (24:06):
And it's all about this guy. Richard Reed. Drives you
completely crazy, doesn't it.
Speaker 2 (24:12):
Oh And before we go, a couple of things, Neil,
I'm gonna have you talk about what you're doing Saturday.
But also I'm doing some phone calls for a handle
on the Law. I'm starting in just the moment just
as I walk out and Gary and Shannon come aboard.
So the end of the show, I'm taking phone calls
off the air for handle on the Law Marginal Legal Advice.
(24:35):
The number is eight seven seven five two zero eleven fifty.
Eight seven seven five two zero eleven fifty. And you
can call now, wait a couple of minutes and I
will get you. Well, i'll put you on the well,
i won't put you on the air because we're off
the air, but i'll answer your questions. And we don't
have any breaks or any commercials, no weather, no traffic,
(24:56):
and as I've often said, no patience on my part.
Speaker 1 (24:59):
So we go through these phone calls fairly quickly.
Speaker 2 (25:01):
Eight seven seven five two zero eleven fifty. And Neil,
this Saturday, you want to announce once again where you're
going to.
Speaker 4 (25:09):
Be, Yes, July twelfth, this Saturday, join me at Wild
Fork Foods in Santa Clarita. It's right there off Magic
Mountain Parkway two four one seven five, and we'll have
a good time. We're sell we're just celebrating summer grilling season.
There'll be a pitmaster out there grilling up some wild
Fork food samples, prizes every fifteen minutes, live broadcasts, all
(25:33):
kinds of great stuff. We're giving away a barbecue, Dodgers tickets,
Magic Mountain tickets, all kinds of great stuff alive Fork
swag as well. KFI AM six forty dot com, slash
wild Ford.
Speaker 2 (25:48):
And Neil and I are going to be doing two
broadcasts between now and I think November. We're going to
be doing thanks grilling at a wild Fork location. It's
going to be the two of us, which we we
always have a great time, and I think we have
another one scheduled some time at some point somewhere.
Speaker 1 (26:06):
There's the announcement we're.
Speaker 2 (26:08):
Going to be somewhere sometime and we don't know exactly when.
Speaker 5 (26:12):
September and November.
Speaker 4 (26:14):
I think, yeah, somewhere is a little oa me, So
come out and have pity on me or mercy stop
as you would.
Speaker 1 (26:21):
Say, as I would say, Okay.
Speaker 2 (26:24):
The number for handle on the law off the air
marginal legal advice is eight seven seven five two zero
eleven fifty eight seven seven five to zero eleven.
Speaker 1 (26:35):
Fifty All right, tomorrow being Wednesday? What wake up? Call
five o'clock in the morning.
Speaker 2 (26:42):
Heather sitting in for Amy this entire week, and Will
sits in for Will does the traffic, and they start
at five, and then Neil and I jump aboard at
six o'clock, and Cono's pointing to himself, I don't know
why you want me to mention you.
Speaker 1 (26:59):
Of course you're here, okay, now what not?
Speaker 5 (27:01):
Tyler?
Speaker 2 (27:02):
Oh that's your point. Yes, that's true. You are here
fair enough. And I don't know, And and then and
running around someplace in the studio because she spends all
over time producing the show, making sure it runs well.
Speaker 1 (27:16):
All right, guys, that's it.
Speaker 2 (27:18):
Gary Shannon up next eight seven seven five two zero
eleven fifty. The phone number to call off the air
for marginal legal advice.
Speaker 1 (27:26):
This is KFI A M six forty. You've been listening
to the Bill Handle Show.
Speaker 2 (27:31):
Catch My Show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app.
You're listening to Bill Handle on demand from kf I
AM six forty Bill Handle here. We're about to start
a heat spell.
Speaker 2 (00:10):
If you're out in the valley Woodland Hills where my
kids live, gonna one hundred and six hundred and eight degrees,
so I won't.
Speaker 1 (00:18):
Be visiting them. How hard are they going to be
in Burbank Head there?
Speaker 3 (00:23):
I think today it's going to be in the eighties,
mid to.
Speaker 1 (00:26):
Right, So that's not bad. It'd be a lovely day. Yeah.
Unfortunately in Texas not so much.
Speaker 2 (00:31):
The death toll those horrific Texas floods now is at
one oh five and they're still dozens or at least
a couple of dozen that are missing.
Speaker 3 (00:42):
All We're expecting a press conference here in the next
little bit with an update from officials there in Texas
as well, so we'll make sure we get the latest information.
Speaker 2 (00:51):
All right, and before we move on and talking about
State Farm in the LA fire response, real quickly, Neil,
you have a broadcast.
Speaker 1 (00:58):
Coming up on Saturday and range.
Speaker 4 (01:00):
Tell us about that here in Santa Clarita off of
Magic Mountain Parkway at Wild Fork Foods there in Santa Clarita,
July twelfth. That's this Saturday. I'll be there for the
show two to five. Come out, say hello fifteen minutes.
Every fifteen minutes there's going to be giveaways. There'll be
a grill pit master out there with Wild Fork food samples.
(01:22):
You can win a barbecue proteins from Wild Fork, Dodgers tickets,
Magic Mountain tickets, Hornblower Dining, yacht tickets. So that's this
Saturday there on Magic Mountain Parkway at the Wildfork Foods.
You can find details at KFI AM six forty dot
com slash wild Fork.
Speaker 2 (01:43):
Be there if you happen to be caught up in
the fire area Palisades, the Eating fire, and you happen
to have State Farm state Farm policy. State Farm being
the largest insurer in California. Here we are six months
after the January seventh firestorm, sixteen thousand structures and homeowners
(02:07):
are getting a little bit upset. How is the state's
largest insure handling the claims for damages?
Speaker 1 (02:15):
Well?
Speaker 2 (02:15):
Last month, Insurance Commissioner Ricardo Laura announced because of the complaints,
regulators would start a quote market conduct examination focusing on
State Farm and how they handled and.
Speaker 1 (02:29):
Here's the issue.
Speaker 2 (02:30):
How they handled smoke damage not so much. A house
that is burnt, that's an easy one. You replace the
house or part of it if it's destroyed. Okay, here's
the value of the house or whatever their policy limits were.
If there is fire damage, okay, we'll have to replace
that garage or that piece of roof or whatever. How
(02:52):
about smoke damage, Well, that's not really fire damage.
Speaker 1 (02:57):
Yeah it is, And.
Speaker 2 (03:00):
That is a big, big issue because.
Speaker 1 (03:07):
State Farm is saying in many cases not really. And
so that's one fight.
Speaker 2 (03:15):
There's another fight, and this one I think is more understandable.
The homeowners in complaining to Laura about their dealings with
State Farm and this is a complaint specific complaint to
the California Department of Insurance which Laura runs, and calling
for an investigations. Here what they complained about being shuffled
to shuffled off to multiple inexperienced adjusters, feeling ghosted by
(03:40):
unanswered calls and emails, being refused.
Speaker 1 (03:43):
Tests for toxins.
Speaker 2 (03:45):
That's another one that's up in the air, and getting
inadequate offers to fix their homes, and a lawsuit has
been filed and emotional damage has been alleged. Now here's
the question Okay, you have a situation where you have
sixteen thousand structures and a huge proportion are ensured by
(04:10):
State Farm and inexperienced adjuster. Do they really have enough
adjusters that are on their bench that are experienced enough
to deal with the claim like this, Well you should
have had more adjusters. Okay, how many we had sixteen
thousand homes go up? Well you should have figured it out. Well,
(04:33):
how about the next time God forbid is twenty five
thousand homes. You should have enough adjusters, You should have
enough infrastructure. Now am I saying State Farm is doing
a great job.
Speaker 1 (04:42):
I don't know.
Speaker 2 (04:44):
I haven't made a claim to State Farm, but this
is certainly not a one way street. One testimonial part
of the complaints said, throughout this entire process, State Farm
has been like a black hole where hope and fairness
go to die. They have misrepresented what is and what
is not covered under our policy, ignored hygienis report that
(05:08):
shows concerning levels of asbestos, giving us low ball offers
that are in no way a good faith effort to
settle our claims, and that may very well be true.
Don't know the answer to that. And here's the problem.
That insurance companies have and this happened.
Speaker 1 (05:24):
I'm going to make an analogy here with the BP horizon.
Speaker 2 (05:28):
Remember when that oil rig exploded in the Gulf of Mexico,
the BB Horai, the BP horizon and the oil spill
covered I don't know a third of the golf and
they started writing checks immediately, because.
Speaker 1 (05:45):
You can do one of two things.
Speaker 2 (05:47):
One you can say, we're not going to write the
checks until we figured out these were not fraudulent claims,
or we're going to write the checks and deal with
it later. So what does State Farm do? Does it
not negotiate with anybody? And by the way, that's not
to say that they've negotiated in bad faith or good faith.
(06:07):
I don't know the answer, but I do know when
you're dealing with this many structural issues, these many structural issues,
when you're dealing with the kind of damage that has
been done by these fires, does State Farm have a duty?
Do they have the ability to look at these policies
(06:28):
and start negotiating like they do all.
Speaker 1 (06:30):
The time, or do they just boom rite the check?
Speaker 2 (06:33):
And when you multiply this over the number of thousands
of claims, there is a real issue so at this point,
Ricardo Laura announced last month that the Insurance Commission would
start a market conduct examination that's in quotes, focused on
State Farm's handling of smoke damage. And that's a big
(06:54):
fight because State Farm is claiming that smoke damage is
not covered under structure damage, and in reality it is.
I don't know if you've ever been near a building
that hasn't been touched by the fire, but the building
next door, the house next door, the business across the
street where the smoke has come over the property. You've
(07:18):
got to tear that house has to be down to
the studs. The dry wall itself sucks up the smoke
like a sponge, and there is no way to undo
that without literally tearing up part the entire house, the drywall,
bringing it down to the studs and starting from there.
(07:40):
And State Farm is saying, no, not really, And so
you've got the smoke damage issue.
Speaker 1 (07:48):
And so far, State Farm.
Speaker 2 (07:51):
Has said that it has paid out four point two
billion dollars as of June thirtieth, and they're looking at
lawsuits and they're looking at investigations.
Speaker 1 (08:06):
Now here is here's a factoid which I thought was
kind of interesting.
Speaker 2 (08:09):
You've heard me talk about the Fare Plan, and that
is insurance is a last resort for people who can
either afford insurance for their homes or they can't get
insurance for their homes because there are fire areas now
where no insurance company will pick up fire insurance. And
so those people go to the Fair Plan, and that's
the California Plan.
Speaker 1 (08:29):
Paid by insurers to a limited degree.
Speaker 2 (08:32):
And there are limitations to how much money you can
get out of there, and it costs a fortune, and
all it is fire.
Speaker 1 (08:40):
That's all you get. Now. The rest of the insurers
who have insured homes throughout.
Speaker 2 (08:46):
The entire area, you know, there's enough money there to
pay off all the claims. They have enough reserves to
pay off all the claims. I would have thought the
first thing I would have thought when this fire broke out,
the Eaton and the Palisades fire and all these thousands
of structures when and went up, first thing I thought,
of insurance company is going to go bankrupt. There's no
way they can pay for all of these claims. It's impossible.
(09:08):
They can, they are they do. It's the California Fair
Plan that's running out of money.
Speaker 1 (09:16):
All right. Now, I'm going to have fun. This is
going to be a.
Speaker 2 (09:20):
Fun topic now for those of you who have blown
people off, and most of most of us have at
some point or another. You know, dating, and it's got,
it's over basically, and it's always about It's not you,
it's me, which of course is about you. The fact
is I don't like you or I don't want to
be near you. Well, let me tell you what gen
(09:42):
Z is doing. They're using AI.
Speaker 1 (09:45):
To do that.
Speaker 2 (09:48):
There's a new national survey from a dating company called
wing Mate for young adults have used AI to help
end a relationship. Women slightly more use than men to
let these bots do the work.
Speaker 1 (10:04):
The survey pulled over a thousand US.
Speaker 2 (10:06):
Adults who've used AI for dating, and it shows how
deep AI has embedded itself in modern romance.
Speaker 1 (10:17):
And I hadn't.
Speaker 2 (10:18):
Thought of that about this because I have. I don't
remember it last time I've blown someone off. As a
matter of fact, I don't think I ever have. I've
always been the one who's been blown off. But so
much for that so that I'm not a big part
of this. Nearly half of eighteen to twenty nine year
olds said they've turned to AI to write breakup texts, apologies,
(10:38):
manage relationship conflict. So the most common uses include dating
bio optimization.
Speaker 1 (10:47):
Anybody want to tell me what that is? What is
dating bio optimization? Any idea? And you're looking at me, Heather, anybody.
Speaker 3 (10:58):
Pretty obvious match you up with your based on your biology.
Speaker 5 (11:03):
Biology.
Speaker 4 (11:05):
To me, it sounds like if you're going to be
on a dating app, you're putting your bio together for
your dating app that you wanted to think you sound good.
Speaker 5 (11:12):
That's what it sounds like to me.
Speaker 1 (11:13):
All right, maybe all right, I'm sure people out there know.
Speaker 2 (11:17):
But the common uses include that dating bio optimization, conversation starters,
replying the messages, resolving conflict.
Speaker 1 (11:28):
Now about a.
Speaker 2 (11:28):
Third of the users ask direct dating advice straight out,
and nearly have turned to AI for helping write apologies.
How difficult is it to write I'm sorry? Do you
really need AI.
Speaker 1 (11:45):
To do that?
Speaker 2 (11:46):
As something else I don't do is apologize. Now, for
some people, it's, according to the surveys, fascinating stuff. For
some people, it's simply about simplicity. Nine percent said that
dating simply becomes simpler with A and twenty one percent
said it helped them to talk to more people, opening
(12:06):
conversations like Hey, what are you wearing, which is a
great conversation starter.
Speaker 1 (12:14):
Others said it boosted their confidence.
Speaker 2 (12:17):
We can use that a lot. And so AI is
now doing the dirty work.
Speaker 1 (12:24):
So this is a story out of the New York Post.
Of course it is.
Speaker 2 (12:28):
And the New York Post asked chat gpt to craft
a blowoff texts and within seconds it was polite, it
was emotionally distant, and it was a goodbye. One viral
post captioned quote when he sends a breakup text that
(12:51):
looks entirely written.
Speaker 1 (12:52):
By chat gpt.
Speaker 2 (12:55):
It is and that's really that's racked up about two
hundred and forty views. See the other side of it
is there are chat GPT detectors which show whether or
not this is real, so you can actually tell.
Speaker 1 (13:12):
And here's one And this is what the New York
Post did.
Speaker 2 (13:16):
One percent Ai GPT and they just came up with
someone and here it is, Hey, Merrit, I really enjoyed
spending time with you these past few weeks. You're honestly amazing.
But I've been thinking about things and I don't feel
like we're the right match. I didn't want to lead
you on, so I figured it's best to be honest.
(13:39):
I hope you understand, and I really do wish you
all the best, leaving out the part where I really
think you're a skink that is not put into the
AI the chat GPT.
Speaker 1 (13:53):
That's what I would do, which is why, well, let
me put it this way. You know where I sit
on that.
Speaker 2 (13:59):
Most people said it was useful or neutral, and about
one in five said yeah, they use it, but they
don't tell anybody.
Speaker 1 (14:10):
So there were some TikTok blowoff messages that have been featured.
Speaker 2 (14:14):
There's a wave of videos where users share breakup messages
they believe were written by AI.
Speaker 1 (14:20):
And how do you know, well.
Speaker 2 (14:21):
Oddwording, stiff tone, robotic delivery and I can't tell.
Speaker 1 (14:27):
But for a lot of people it works.
Speaker 2 (14:31):
Fifty seven percent claiming they trust AI over a friend
for dating advice. And if you have any doubts as
to the business of AI, then in terms of dating,
let me give you two companies. Your Move is one
and riz is another one. And what they do is they.
Speaker 1 (14:52):
Market themselves as full on dating co pilots.
Speaker 2 (14:56):
Your Move now has over three hundred thousand users, so
they say promises to put your texting on cruise Control.
It generates text messages in seconds. He writes bios, boost photos, critiques,
dating profiles fifteen bucks a month.
Speaker 5 (15:12):
Okay.
Speaker 2 (15:12):
A better one that I like is riz, which basically
does the same thing. Personalized responses that are sure to
impress your crush. Is the way they advertise that, the
way they market that weekly plans starting at just ten dollars.
Speaker 1 (15:30):
Weekly. Or we have one of those. Well, you asked
me to put together one of you quitting the show. Correct,
that's right, I forgot.
Speaker 2 (15:38):
I had asked Ann to go to chat gpt and
create a blowoff text to the show that I am leaving.
I am done, I am finished with you guys. I
am bored.
Speaker 1 (15:53):
I am sick of you.
Speaker 2 (15:56):
So here's what we did, using chat GPT and asking
Ai to basically write a text from me to the
rest of the crowd here on the Morning Show where
I just want out. I'm blowing you guys off. I'm
(16:17):
not happy here. I'm bored with you. It's just time
to leave. Which is interesting because next Wednesday is we're
going to celebrate thirty two years of me being on
the Morning Show.
Speaker 5 (16:32):
You're going to celebrate thirty well, yeah, you.
Speaker 2 (16:33):
Guys are, and of course I'm going to celebrate. Brents
Deli is coming in and I'm just taking the entire
just all of it, and take any of the other
room in reading and eating and reading at the same time. Now,
let's go ahead, and you had this done, Neil, you
are going to read the text in which I blow
off the rest of you.
Speaker 4 (16:53):
This is basically you on the air. This is written
as you on the air quitting the show. Okay, okay, yeah,
this is you. All right, that's it. I've had it.
I'm done. I can't do this anymore. This morning show
a disaster. I show up every day at the crack
is stupid. I prep I read, I yell at everyone,
(17:14):
and for what to be surrounded by people who can't
figure out how to turn on a microphone, let alone
run a radio show.
Speaker 5 (17:22):
We've got I love that it pulled this name.
Speaker 4 (17:25):
We've got Tyler over there pressing buttons like he's launching
a nuclear missile. It's kno, now, by the way, chat GPT,
except somehow none of them are the right ones. And
I don't and don't get me started on production. It's
like they're running the board with Oven mits on. I
ask for one sound clip one and I get three
(17:45):
seconds of an ad for dog food from twenty nineteen.
Speaker 5 (17:48):
Oh and the.
Speaker 4 (17:49):
News team, God bless them. If the world ends during
this broadcast, we'll find out next Tuesday, maybe after a
weather update. I'm supposed to carry this thing me like
some radio sherpa dragging a dead yack of Mount Everest.
Speaker 1 (18:06):
Nope, no more, I quit.
Speaker 5 (18:08):
I'm going home.
Speaker 4 (18:09):
I'm gonna sit in my jacuzzi, drink bad wine and
scream into the void like a normal person. Enjoy the static, folks.
Mike slams long awkward silence off, Mike mutter where's my
damn coffee?
Speaker 2 (18:25):
And scene Now that literally was chat Gpt writing that.
Speaker 1 (18:30):
Correct.
Speaker 5 (18:31):
Yeah, but it sounds kind of like you. It does,
it does and everything.
Speaker 1 (18:36):
I love that. I love that.
Speaker 4 (18:38):
And this is something I didn't have. Your current engineer,
Kono had Tyler in it.
Speaker 1 (18:46):
Yeah, just funny, now what I yes true?
Speaker 2 (18:49):
So that you know, we talk about AI making mistakes,
which it does now in reality, if I were not.
Speaker 1 (18:56):
To use AI to leave this sh show.
Speaker 2 (19:01):
I would simply write a text with two words, the
first one starting with f uh and the second and
the followed by off and this conversation is done at
that point.
Speaker 1 (19:15):
But but that was fascinating.
Speaker 2 (19:17):
So it actually was able to take what this show
is about, uh and sort of take the flavor of
how I and you approach it.
Speaker 1 (19:27):
That is actually great stuff.
Speaker 5 (19:29):
That would be awesome in real time.
Speaker 4 (19:31):
Like if you've ever if you ever saw the Wonderful
show the Good Place where they couldn't cuss, So go
to cuss and it would it would modify.
Speaker 5 (19:40):
That's what we need for you.
Speaker 4 (19:41):
We needed you to speak into chat GBT and it
would clean it up.
Speaker 5 (19:45):
For our consumption.
Speaker 4 (19:47):
Yeah, like it would change references to modern references. I said,
Rex the wonder worse things like that, props they would
you would reverse them, and we.
Speaker 1 (19:59):
Need to do you need to do that.
Speaker 5 (20:01):
Oh you know what I did?
Speaker 3 (20:02):
I did a since you were talking about dating, I
had it write a quick dating profile for Bill. So
if Bill was dating and actually on one of these apps,
and this is what it said. I yell into a
microphone for a living and people actually listen. Host of
the Bill Handles Show and Handle the Law, where I
give marginal legal advice and remind people they're usually wrong.
Twice divorced semi retired and still showing up to work
(20:25):
before sunrise. Clearly, I'm a glutton for punishment. I enjoy sarcasm,
arguing for sport and reminding millennials that sarcasm isn't a
trauma response. Not looking for a yoga guru or someone
trying to find themselves. I already know who I am,
and you should too. Sipe write if you like brains, blunt, honesty,
and breakfast at four am, everyone else, go listen to
(20:46):
doctor Phil.
Speaker 1 (20:49):
Wow. You know that's something I gotta tell you.
Speaker 2 (20:51):
I am more impressed with AI by the minute. You
know that it does catch the flavor of things or
we're gonna have.
Speaker 1 (21:00):
Yeah. Yeah, by the way, I'm not.
Speaker 2 (21:03):
Twice Sometimes they're wrong, but you know it's close.
Speaker 1 (21:08):
It just felt like twice divorced.
Speaker 3 (21:10):
That's all, okay, It definitely it definitely caught your spirit
for sure in both of those.
Speaker 1 (21:16):
Quick fun We should you know, we should do that
with all of us.
Speaker 5 (21:20):
You know, your phone, let's look at your phone.
Speaker 4 (21:23):
The big boss, Paul Krvi, you know, just texted us
and said, why did we resign you?
Speaker 5 (21:27):
That AI version would do better?
Speaker 1 (21:31):
Really?
Speaker 3 (21:32):
Oh?
Speaker 2 (21:32):
Yeah, you're right, So you know we have to do
that with everybody here, you know, you Neil and blowing
off the show. That is very very funny stuff. All
right now, just a quick one, uh that I want
to share what you were going to end it with
this And this has to do with us going.
Speaker 1 (21:52):
Through airport security.
Speaker 2 (21:54):
And one of the things about going through airport security
in the United States is you take your shoes off,
of which is probably the biggest pain in the ass
that you can imagine. You go to Europe, other parts
of the world, you don't take your shoes off.
Speaker 1 (22:09):
It's mainly the United States.
Speaker 2 (22:11):
And why is it that they want to take why
you have to take your shoes off? This comes right
from a road Runner cartoon and Wiley Coyote. Another name
for Wiley Coyote is Richard Reid who after nine to
eleven got on an airplane I think was Miami to
(22:34):
Paris or Paris to Miami, and he had explosives in
his shoe I think it was the heel of a
shoe or the entire bottom of the shoe, and he
was trying to light the explosives, ignite the explosives because
there were matches sticking out, and he went ahead and
(22:55):
tried to ignite them with matches. This is Wiley. There
is no question about that. It happened once once, never
been repeated.
Speaker 1 (23:10):
It didn't work. It was cartoonish to begin with.
Speaker 2 (23:14):
And since then, how many and I would say, in
the billions of people, well, certainly in the billions of
trips that have been.
Speaker 1 (23:23):
Taken where shoes have to come off.
Speaker 2 (23:26):
Well, the TSA is finally coming to reason a little
bit and they're saying, Okay, maybe maybe.
Speaker 1 (23:36):
We shouldn't take our shoes off.
Speaker 2 (23:38):
Most people who go into the preferred category, and I
have one of those, I don't even know what they
call it, super select, super secret, super safe category. They
do it because the shoes business, that's what they do
it for. So there's nothing nothing like going through an
airport and taking off one shoes, taking off the belt,
(23:59):
and then my paints fall down and they're around my
ankles and it's it's really embarrassing, and it's just it's horrible.
Speaker 1 (24:06):
And it's all about this guy. Richard Reed. Drives you
completely crazy, doesn't it.
Speaker 2 (24:12):
Oh And before we go, a couple of things, Neil,
I'm gonna have you talk about what you're doing Saturday.
But also I'm doing some phone calls for a handle
on the Law. I'm starting in just the moment just
as I walk out and Gary and Shannon come aboard.
So the end of the show, I'm taking phone calls
off the air for handle on the Law Marginal Legal Advice.
(24:35):
The number is eight seven seven five two zero eleven fifty.
Eight seven seven five two zero eleven fifty. And you
can call now, wait a couple of minutes and I
will get you. Well, i'll put you on the well,
i won't put you on the air because we're off
the air, but i'll answer your questions. And we don't
have any breaks or any commercials, no weather, no traffic,
(24:56):
and as I've often said, no patience on my part.
Speaker 1 (24:59):
So we go through these phone calls fairly quickly.
Speaker 2 (25:01):
Eight seven seven five two zero eleven fifty. And Neil,
this Saturday, you want to announce once again where you're
going to.
Speaker 4 (25:09):
Be, Yes, July twelfth, this Saturday, join me at Wild
Fork Foods in Santa Clarita. It's right there off Magic
Mountain Parkway two four one seven five, and we'll have
a good time. We're sell we're just celebrating summer grilling season.
There'll be a pitmaster out there grilling up some wild
Fork food samples, prizes every fifteen minutes, live broadcasts, all
(25:33):
kinds of great stuff. We're giving away a barbecue, Dodgers tickets,
Magic Mountain tickets, all kinds of great stuff alive Fork
swag as well. KFI AM six forty dot com, slash
wild Ford.
Speaker 2 (25:48):
And Neil and I are going to be doing two
broadcasts between now and I think November. We're going to
be doing thanks grilling at a wild Fork location. It's
going to be the two of us, which we we
always have a great time, and I think we have
another one scheduled some time at some point somewhere.
Speaker 1 (26:06):
There's the announcement we're.
Speaker 2 (26:08):
Going to be somewhere sometime and we don't know exactly when.
Speaker 5 (26:12):
September and November.
Speaker 4 (26:14):
I think, yeah, somewhere is a little oa me, So
come out and have pity on me or mercy stop
as you would.
Speaker 1 (26:21):
Say, as I would say, Okay.
Speaker 2 (26:24):
The number for handle on the law off the air
marginal legal advice is eight seven seven five two zero
eleven fifty eight seven seven five to zero eleven.
Speaker 1 (26:35):
Fifty All right, tomorrow being Wednesday? What wake up? Call
five o'clock in the morning.
Speaker 2 (26:42):
Heather sitting in for Amy this entire week, and Will
sits in for Will does the traffic, and they start
at five, and then Neil and I jump aboard at
six o'clock, and Cono's pointing to himself, I don't know
why you want me to mention you.
Speaker 1 (26:59):
Of course you're here, okay, now what not?
Speaker 5 (27:01):
Tyler?
Speaker 2 (27:02):
Oh that's your point. Yes, that's true. You are here
fair enough. And I don't know, And and then and
running around someplace in the studio because she spends all
over time producing the show, making sure it runs well.
Speaker 1 (27:16):
All right, guys, that's it.
Speaker 2 (27:18):
Gary Shannon up next eight seven seven five two zero
eleven fifty. The phone number to call off the air
for marginal legal advice.
Speaker 1 (27:26):
This is KFI A M six forty. You've been listening
to the Bill Handle Show.
Speaker 2 (27:31):
Catch My Show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app.
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