Fire insurance renewal mandate worries insurers, experts

More than half of the most destructive wildfires in state history have happened in the past five years. (Wikimedia Commons image)

California Insurance Commissioner Ricardo Lara’s recent decision to put a one-year moratorium on insurance companies refusing to renew policies on homes in areas adjacent to recent devastating wildfires has garnered widely mixed reaction.

Lara’s decision ensures roughly 800,000 homeowners can have policies renewed. It’s allowed under Senate Bill 824, which Lara shepherded to passage in 2018 while a state senator representing Bell Gardens. An estimated 350,000 policies had not been renewed in California since the beginning of 2015.

“This wildfire insurance crisis has been years in the making, but it is an emergency we must deal with now if we are going to keep the California dream of homeownership from becoming the California nightmare,” Lara said in a statement.

Lara has won praise from consumer advocates who say insurers are too quick to cancel policies held by homeowners who have dutifully paid premiums for years without ever filing claims. He’s also gotten kudos for his November decision to expand the state-overseen FAIR program, which is run by a pool of insurers and provides bare-bones insurance to homeowners otherwise unable to get policies. Beginning in April, FAIR is supposed to offer plans that cover $3 million in damages, up from the present $1.5 million.

But an analysis by The New York Times suggests that Lara has misjudged the risk that insurers face in an era of hotter, drier weather and that the industry could be on the road to ruin. It noted that the $20 billion that insurers offering policies in the state lost because of devastating wildfires in 2017 and 2018 “wiped out a full quarter-century of the industry’s profits” from California operations, according to the Milliman consulting firm.

Lara told the Times that all he was doing was “hitting the pause button on non-renewals” to stabilize the home insurance market and let insurers and regulators catch their breath and carefully evaluate future steps.

Parallels seen to Hurricane Andrew, Northridge earthquake

But Milliman actuary Eric Xu compared the massive losses suffered by insurers since 2017 to the aftermath of Hurricane Andrew in Florida in 1992, when insurers lost a similar amount and about a dozen went bankrupt.

Karl Susman, owner of a Los Angeles-based insurance agency, told the Associated Press that the present crisis reminded him of the fallout from the Northridge earthquake in 1994, which led many insurers to either stop renewing earthquake insurance policies or to get out of the field entirely. He questioned whether the historic model of home insurance was “sustainable” in California, given fire risks. 

Home insurers in the state requested about 80 rate hikes in 2018, far more than the norm. But the hikes are generally rejected unless it can be established that they are needed because of demonstrated risk – not the higher risks that insurance actuaries expect because of a hotter climate.

“That works, until it doesn’t,” Rex Frazier, president of the Personal Insurance Federation of California, an insurers’ trade association, told the New York Times. He questioned how the industry could survive unless it was allowed to factor in future risks.

Insurers have grumbled but otherwise taken no formal steps to challenge Lara’s moratorium on non-renewals, which is in effect until Dec. 5, 2020. 

But the insurance companies which pool to provide the FAIR “insurance of last resort” program are openly defying Lara. FAIR officials were supposed to provide an operational plan by Dec. 14 of how they would expand the program and increase coverage limits, as the insurance commissioner had ordered. Instead, they sued Lara just before the deadline, saying he had grossly overstepped his authority.


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  1. Phil Hood
    Phil Hood 2 January, 2020, 10:03

    There is no point in an insurance market in which companies and individuals cannot protect themselves from big risks. Increasing premiums are information that consumers need to make decisions. Lliving in high-fire areas is dangerous. The government can’t order insurance companies to take on risks that no sane individual would take on. If it’s too risky to build in the hills above Santa Barbara and Ventura, then people need to stop doing it. That’s the solution, not punishing insurance companies.

    Reply this comment
  2. edryan221
    edryan221 9 January, 2020, 02:43

    Emporium Productions is preparing to begin shooting the LA Political Documentary of an ex-lawyer recovered addict Ed Ryan as he begins his runs for Mayor of LA,. Ryan was incarcerated 6 times in three years for fighting crime buster vigilantes who harassed and did violence to him. Ryan hopes the Documentary be to fully expose the LAPD Crime buster Vigilante. Ryan wants Attorney General Becerra to answer one question, ” why no full investigation of the LAPD Crime buster Vigilante scandal”. The Answer, to cover-up the corruption political allies like of LA City Attorney Feuer, a man who also wants to be Mayor of LA. But, can Feuer be honest. corruption is in the air, as his Deputy, assistant City Attorney Topanga Neighborhood Prosecutor Karine Philips keeps who job after she is reported to be a vigilante group member. The Reason Becerra will not order an investigation is because so much more real corruption would be exposed. For instance, why did Philips failed to follow Legal ethics and disclose to Van Nuys Judge Harmon that SLO Dines, herself ,and the two prosecution witnesses. On Page 28 of the Complaint to Becerra’s office is a SLO Dines Facebook Posting and when that happens vigilante justice happens, Besides using all vigilantes for prosecution witnesses , A Becerra investigation would probably find that Philips may have used corrupt methods to get the case in front of a judge who is very kind to the crime buster vigilante team of SLO Dines and Attorney Phillips. Becerra might change his mind and investigate faster if the LA Times didn’t use disinformation to confuse the issue. For example why would the LA Times not just report the truth about Becerra in October, 2019. by Then Becerra had the Crime buster Complaint for 18 months and did no investigation. So why does LA Times Reporter the issue saying his office won’t confirm or deny the investigation. Point is there was no investigation, but the “confirm/deny” standard is a great way to hide Becerra’s refusal to investigate a complaint that makes the LAPD and LA City Attorney Feuer look corrupt. Also a Becerra Investigation would have to investigate the 12 other LAPD Crime buster Facebook Groups in LA, City Attorney Feuer has Neighborhood Prosecutors all over LA.. Feuer needs to come clean, to stop corrupting the LA court system. Speaking of corruption, Judge Harmon is a LA Superior court judge and cases are assigned per a rotation system that shows a glitch if a corrupt prosecutor cuts the rotation to make that happen. Emporium Productions wants exciting conflict in the documentary, so Emporium is doing some up front work to investigate get Filming permission. For example, when Ryan surrenders on his probation warrant, he may be jailed. Then what, who knows, tune in and find out. As of now a Vimeo, Networking Platform will host bi-weekly, but if the Ryan campaign for Mayor of LA gets interesting, Net–Flix could exercise an option. LA Mayor Garcetti was the focus of Ed Ryan’s sarcasm in April of 2015 when Ryan, also an Artist, was interviewed by a Hollywood Arts reporter as he created ang displayed Street art on The Fence of the Barnsdall Art Park in East Hollywood, that faces Hollywood Blvd
    It is Ironic that Becerra’s not investigating the complaint may protect City Attorney Feuer from being officially labeled corrupt. That being so, Feuer can run for Mayor and still have a chance of being elected. However. Feuer chances to win drop if Ryan is in the Race and constantly spelling out exact details of potential Feuer Corruption ect. But things could work out nicely if Becerra were to now flip and do the right thing and investigate. The findings of the investigation would provide Ryan with certified proof needed for him to finally him to gain a decent settlement from LA via Feuer’s office. Ryan may be hard-pressed not to take a decent LA settlement package for the dames of 14 months wrongful incarceration ect.

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  3. edryan221
    edryan221 11 January, 2020, 17:51

    Letter to Los Angeles City Attorney Feuer on the Submit Box at LA City Attorney Web Page

    1/10/20 LA City Attorney Web Page issue submission.
    To: Attorney Mike Feuer, Los Angeles City Attorney.
    From: Ed Ryan, Candidate for Mayor LA 2022:
    I’m Ed Ryan, and I’m Running for Mayor of LA in 2022. “The Committee to Elect Ed Ryan Mayor of LA” is being organized and our approach is 100 percent “Anti-corruption Transparency” thus, no donations at all. However is a documentary an “In Kind” donation. I am allowing Emporium Productions to film a Documentary by following my “Outsider” bid for the 2022 LA Mayor seat. Segments of the documentary will be posted on a Vimieo channel every 2 weeks. It will be close to real time. It should be worth watching as I plan to get down and dirty. First order of business is stopping by your office again, like I did in January 2018, only to get arrested for trespassing. I did 27 days in County for that, and now I know I was right, your office was involved with the LAPD Vigilantes.
    LA City Hall Corruption is intense with the FBI investigating Mayor Garcetti and the other ‘Pay for Play” players in LA City Hall. In 2016 your office did “Pay for Play” undercover investigation of Hollywood Acting workshops, but how come you let the LA Voters down by never investigated the ‘Pay for Play” LA City Hall Real-Estate Development Deals. Certainly you saw the corruption. It was right there in LA City Hall , and those Luxury Housing Development deals came to your office for review. In fact, your office had early warning of such corruption but did nothing ever. Maybe I’m wrong, maybe it was you who dropped the Dime bringing the in FBI. By the way, please make sure those Feds are doing their job correctly. It’s weird in LA how investigations get set aside. Right now in Sacramento Atty. Gen Becerra has spent 2 years not investigating the 8/1/18 WRAP complaint that exposed just a small part of the LAPD Crime buster Vigilante Anti-Homeless Hate Crime Scandal. Did you know 43 percent of LA homeless are black, thus Crime buster Vigilante are. Doing ‘Racist’ Crime. To what extent we do not know because California Attorney General is evidently OK with Racist Hate crimes being done onto a mostly Black LA homeless population. Now that I’m running for Mayor of LA, I’m hoping My standing as a progressive democrat can convinced Bernie Sanders and Cory Booker and Liz warren to take a close look at the scandal when the come to LA foe the Presidential Primary in March. I’m going to do it while being filmed for the documentary. I’m going demand it be investigated. If not Becerra, then maybe by the US Justice Department when Trump is finally gone. Really, I should think you as LA City Attorney should either do an investigation, or call Becerra and ask him what is the problem. Why no LAPD Crimebuster vigilante Investigation. I suppose your office might have a conflict since I’ve read published reports that your Deputy Karine Philips, the Topanga Neighborhood Prosecutor is a Crimebuster Group member. According to reports she did a good job for LAPD SLO Dinse,the LAPD Cop that runs the Topanga Crimebuster Vigilante group. Other LAPD members include, 2 LAPD Deputy Chiefs and 13 other LAPD Officers , including a LAPD Watch Commander and the present day Captain of the Topanga LAPD station. Yes, Prosecutor Philips really worked it prosecuting mentally ill Perelman for littering. I read the transcript in that case and Philips never disclosed to the Court that She, SlO Dinse and two civilian witnesses all were members of the LAPD Crimebuster Vigilante group. She Prosecuted Perelman in front of Judge Harmmon Dept 113, Van Nuys Court. Could you talk with her confirm the exact rout the Perelman littering case took to get before being assigned to Hammon, the Ex DA. No Hanky Panky I trust. Ah LA, so much corruption, so little time. I can be reached at:
    (413 863-5592) or [email protected]
    My Twitter Handle: LAmayorRYAN2022
    Ed Ryan, Mayor of LA, 2022

    Reply this comment
  4. edryan221
    edryan221 31 January, 2020, 09:08

    Press Release- Ed Ryan Candidate For Mayor Los Angeles, 2022 calls out the Los Angeles Times newspaper for coddling LAPD vigilantes by not reporting LAPD Vigilante Court Corruption and deception regarding the San Fernando West Valley Bacon Bike Patrol secretly being LAPD Vigilantes doing organized gang-stalking of Topanga Area Homeless.
    Los Angeles Time Coddles LAPD vigilante use by not reporting the West Valley Bacon Bike Patrol (see YouTube Videos) This is more anti-homeless vigilante deception from Topanga Community LAPD Community Police Station. It is and it is to the LAPD Crimebuster vigilante scandal. Bacon works with LAPD stalking Topanga Area Homeless and then feigns no relationship with LAPD on their YouTube Videos.
    California Attorney General Becerra needs to investigate WRAP LAPD Crime buster vigilante complaint. But LA Times is pro-LAPD Vigilante deception, and pro anti-homeless LAPD Vigilante Hate Crime and Court Corruption, is a non-issue for the elite Los Angeles Times. LA Times a racist paper allowing LAPD Vigilante to do racist anti-homeless hate crime. When I’m elected Mayor of LA in 2022, LAPD Corruption will not be tolerated and LAPD Reform towards modern policing tenets.
    The West Hills Topanga Community Police Station Is where LAPD Crimebuster Vigilante Scandal originated. Bacon Patrol YouTube videos make it obvious that Bacon Patrol is doing Vigilante Gang Stalking of the Topanga area homeless. The corruption on this issue is intense considering that Topanga Neighborhood Prosecutor, Karine Philip’s membership in the LAPD Crimebuster Vigilante Facebook group. Philip’s 2018 rigging of the Kevin Perelman’s littering trial is totally corrupt. To convicted as she SLO Dinse and the two witnesses all belonged to the same LAPD Vigilante Crime Buster Facebook group Philips never disclosed this material conflict in the trial transcripts. Also. The trial was suspiciously placed in front of ex-DA Judge Harmon, Van Nuys Court. They can say what they want but both LA City Attorney Feuer and LAPD Deputy Chief Pitcher are well aware thar Bacon patrol is a LAPD Vigilante group that is in place to do racist hate crime onto the homeless.
    This is not just curious bikers in Wester Hills, but is a volunteer LAPD gang stalk vigilante crew. Ryan is a former prosecutor from MA and says he can see the LAPD deception on the videos. Bacon Bike Patrol is used to harass and stalk West Hills/Canoga homeless. It is unknown how many homeless victims are stalked by Bacon, and then arrested when they fight back against their vigilante stalkers. No LAPD police report anywhere contains information about a homeless being harassed by vigilantes. This proves LAPD corruption on the issue. LAPD Chief Moore certainly knows all about this Bacon Bike Patrol scam since as one video shows the Bacon vigilante saying he works with Topanga SLO Duke Dao. The SLO Dao who works closely withstands LAPD Crimebuster Gang Stalker Fern Pekin-White. Contact [email protected],

    Reply this comment
  5. edryan221
    edryan221 6 February, 2020, 22:27

    Hi, I’m Ed Ryan, and I’m running for Mayor of LA, 2022. LA needs Charter reform to give the power of “representative democracy” to the people of LA to end corruption and make LA great for all the people of LA.
    What gives LA Billionaire oligarch Rick Caruso the right to use corruption and walk over the good people of LA. Caruso paid LA Mayor Garcetti thousands and maybe millions of dollars in “dark money” “Behest Donations” while engaging in LA City Hall “Pay for Play” corruption. This corruption stinks and FBI cannot ignore it. I demand the LA FBI do their job so that “we the people” learn the true extend of corruption that rots the present LA government that is un-democratic, antiquated, small, elite and racist.
    LA charter reform to increase LA City Council to 40 seats by district is empowering the voters of LA with ‘Representative Democracy” Charter reform will end corruption, increase voter participation, stimulate economic development, and deliver better services to all LA. The proof, NYC and Chicago did a decade ago and are loving it. The voters from those cities enjoyed benefits of liberty provided by “representative democracy”, while LA is denied democratic reform and forced to endure LA “Corruptacacy”
    . EdRyan MayorLA2022, [email protected]

    Reply this comment
  6. edryan221
    edryan221 26 February, 2020, 09:26

    The upcoming California Super-Tuesday Primary includes Senator Bernie Sanders, and his presence in the race is a good thing for LA because his honesty somehow incentivises the complete exposure of all LA public official corruption. I’m Ed Ryan, the Los Angeles ‘Anti-corruption” candidate for Mayor of Los Angeles, 2022. I fully support and endorse Bernie Sanders for president and ask that all my friends in LA and in California in general, vote for him. I also want to remind LA voters that Mayor Garcetti has endorsed Joe Biden, and to consider this fact. Both Garcetti and Biden represent the corrupt Democratic establishment, at every level. These two, Garcetti and Biden, make good “Bed-Fellows”. Garcetti’s is the king of LA City Hall pay for play. He takes huge ‘Behest Payments” from billionaire developer, Rick Caruso, and others. Caruso and other Garcetti and LA City council favored developers, do not build the affordable housing that LA sorely needs. Garcetti is also “hip deep” in the “Turf Terminator” where he engages in bribery, extortion and violation of campaign finance law. LA City Attorney Feuer is no stranger to LA City Hall “pay for play”. And when all the facts come out, maybe it is Feuer and not Garcetti who is the actual ‘King” of “LA city hall “Pay for play”. Garcetti is not prosecuted by the DA or Federal Prosecutor or California attorney General Becerra. Garcetti plays the slime game very well. Often he is acting like a caring democrat, when in actuality he allows the LAPD to engage in anti-homeless and anti-whistle blower vigilante crimes , including fraud, assault and terror stalking. Stangely, but un-delved into by LA media, both he and Becerra have not, and will not, even mention the 8/1/18 WRAP crimebuster complaint.( Vice Presidents Biden’s corruption is his refusal to provide in depth answers as to the connection that money to his son Hunter and access to American government via the Vice presidents office. Bernie sanders is “clean” and he cares about the welfare of the people. the time is finally coming in America where voters show real despise for corrupt politicians that play cozy with the elite party and media establishment. regarding the media, one must seriously ask “why won’t the LA Times ask Attorney General Becerra the reasons why his office refuses to do the WRAP complaint investigation . Emily Alpert, the LA times reporter on this matter last wrote that Becerra office policy prevents the confirming or denying of any investigation. That policy is totally non-transparent and is not being used as Becerra goes forward supposedly investigating the LAPD Latino Cal-gang Affiliation Scandal. Emily Alperts is trying to feed the LA public “disinformation” by trying to end the LAPD crimebuster vigilante issue by making it look like Becerra’s cloistered policy is no big deal. The LA Times, the LAPD the LA regional prosecutors, the Mayor and the LA City Council attempt to use silence on the LAPD Crimebuster Vigilante scandal to kill it/. Why? Because the LAPD needs to cover-up the broad use of vigilantes across LA . In fact there are 12 Crimebuster Facebook groups around LA and all run similar LAPD Vigilante game. Only a brief tip of the corrupt LAPD vigilante iceberg was exposed via the 8/1/18 WRAP complaint to Becerra. Included in that complaint are 38 captured Facebook postings that show plenty of evidence verifying that the LAPD vigilante stalking is harassment techniques very similar to the Scientologist stalking techniques now being exposed via Netflix and A/E documentaries. We the people are tired of being treated as “stupid” by these elite criminals. I was viciously victimized, and I know for a fact these people have blood and their hands because of the way homeless in LA are treated worse than dogs by the LAPD and Criminal Justice Prosecution units. In LA good people need to come together and finally defeat this evil that is in fact corruption.
    Ed Ryan, Candidate Mayor of Los Angeles 2022. (

    Reply this comment
  7. edryan221
    edryan221 5 March, 2020, 12:06

    I repeatedly Jailed for self-defense acts LAPD Vigilantes did me. Now, Warrant for probation violation won’t shut me down. Fight the corruption. EdRyanMayorLA2022.
    Acoustic & Electromagnetic Auditory Sensations [email protected]

    Reply this comment
  8. edryan221
    edryan221 9 March, 2020, 06:54

    In 2018, 3 different police whistleblowers told us, the Gangstalking operations are run from the Fusion Centers. The details can be found in government reference documents in “The Governors of Gangstalking.”

    The Director of the Fusion Center in each state, is the criminal Boss for these operations. You might think of these people as a “mafia boss.”

    In my opinion, the people on this chart have led the Gangstalking Program for greater Los Angeles, for many years. The federal government calls it a Fusion Center.

    The people working at the JRIC assume, that if someone’s name appears on the Watchlist, the stalking and harrassment is justified, even if it is illegal. It never occurrs to these idiots to ask – “Should this person even be on the Watchlist?” or “Why is this person on the Watchlist?”

    Federal Judge Anthony Trenga, decided that the Watchlist is Unconstitutional, because the FBI failed to provide any shred of evidence, that someone was a “known or suspected terrorist.”

    Targeted Individuals are not terrorists. They are gangstalked because they are whistleblowers and political activists, etc. The CIA wants them silenced, and funds this program through the black budget.

    Joint Regional Intelligence Center – Los Angeles
    12440 East Imperial Highway Norwalk, CA 90650
    (562) 345-1100
    [email protected]

    Steve Oda, FBI
    Robert Fox, LAPD (now retired)
    Robert Galarneau, LA Sheriff’s Dept

    Alex Vargas, Jr – Deputy Director
    Joel Cohen, Manager of Intelligence
    Mark Tharp, Manager of Operations

    [email protected]

    Senior Managers working with JRIC:

    Alejandro Vargas, Jr and Cynthia Gatiglio have held management positions at the JRIC.
    In my opinion, they both know about, and support the Gangstalking operations. It is illegal.
    [email protected]

    Cynthia Gatiglio, 48
    Cynthia A Gatiglio, Cynthia Ortega, Cythia Gatiglio
    13828 Greenbrier Ave, Bellflower, CA 90706
    Related to
    Glen M Pool 98 Andrea M Ortega 70 Andred Ortega Bettyl L Gatiglio 80 Hilda Pool 50 Mamie Gatiglio Mark Gatigilo 51 Glen R Pool 47 Julian Gatiglio J Gatiglio ~84 Michael A Gatiglio 55 Ruby Ortega 44 Michael A Chrisafis ~55 Julian A Gatiglio 84 Javier P Ortega 74

    Cynthia A Gatiglio, Age 48
    3636 N Rose AVE Long Beach, CA 90807
    (562) 492-5984

    Cynthia A Gatiglio, Age 48
    9530 Maplewood ST Bellflower, CA 90706
    (310) 920-1057

    In the opinion of Richard Lighthouse,

    At the Los Angeles Police Dept, these two Assistant Chiefs are involved with Gangstalking Operations and the cover-up.

    Counter-Terrorism and Special Operations Bureau (CTSOB)
    100 West First Street
    Los Angeles, CA 90012

    [email protected]

    [email protected]
    [email protected]

    Horace E Frank, 59
    Frank E Horace, Horace Grant
    Corona, CA

    Related to
    Alana G Frank 29 Marcia A Case 55 Xin Yang Zhen 59 Norma R Young 76 Daniel J Young 47 Gayle L Young 78 Mary E Young 77 Faron A Young 52 Alec E Frank Gordon S Young 77 Michelle A Frank 53 Alan Frank 29
    Aram Sahakian, General Manager
    Emergency Management Department
    City of Los Angeles
    (213) 484-4821

    [email protected]
    [email protected]

    200 N. Spring Street,
    Room 1533
    Los Angeles, CA 90012
    (213) 484-4800
    [email protected]

    Robin Limon promoted to Assistant Sheriff, March 2019.
    [email protected]

    Los Angeles County Sheriff’s Dept – Special Operations Division supports the Gangstalking.

    “As Assistant Sheriff, Limon will oversee Countywide Operations, which includes Detective Division, Technology & Support, Special Operations Division, and Countywide Services Division, which encompasses over 200 facilities located across the 4,752 square miles of Los Angeles County.”
    Pearlstein is a Counterterrorism specialist.

    Supervisory Special Agent | Intelligence Division
    [email protected]

    Supervisory Special Agent | Counterterrorism Program Coordinator |
    Joint Terrorism Task Force
    Dates Employed Jan 2016 – Sep 2017
    Employment Duration 1 yr 9 mos
    Greater Los Angeles Area Joint Terrorism Task Forces

    Roger Rieger Cherie Kono

    Mail: 404 E. 1st St. #604 • Long Beach, CA 90802
    Office: 11000 Wilshire Blvd. Ste. 1100 • Los Angeles, CA 90024
    Phone: (562) 345-1192

    [email protected]
    [email protected]
    [email protected]

    JRIC states that Infragard plays a important role in their operations. However, Infragard is little more than a privatized spying and stalking organization, in my opinion. This is done to avoid FOIA requests. Their people are recruited, trained, and tasked using the FBI’s “Confidential Human Sources Policy.”

    Roger Rieger – President/CEO
    InfraGard LA

    Last Known Addresses for Roger Rieger
    645 Pacific Ave Long Beach, CA 90802
    12440 E Imperial Highway St Long Beach, CA 90802

    Cherie Kono – Executive Director
    InfraGard LA

    Cherie J Kono, 32
    Related to
    Albert A Cua 49 Dennis A Kono ~31 Dennis A Kono 35 Keith K Kono Domingo M Legarda 61 Amelia A Kono 61

    Cherie Jean Kono
    1342 N Detroit ST #301 Los Angeles, CA 90046
    (323) 672-8323

    Cherie Jean Kono
    5505 Halison ST Torrance, CA 90503
    (310) 542-0347

    Board Members:
    Roger Rieger – President/CEO
    InfraGard LA
    Shawnee Critides – Exec. Vice President
    So. Cal Edison (ret.)
    William Michael – Corporate Treasurer
    Phil Siegel – Corporate Secretary
    Northrop Grumman
    Cheryl Santor – Board Member
    Metropolitan Water District of So. Cal. (ret.)
    Chuck Baley – Board Member
    Farmers Insurance Group is a national organization. They are funded and controlled by the FBI. After they are established, they solicit donations from companies. The FBI assigns an agent to each of the Infragard offices. They have 66,000 members in the United States. This represents about half of the daily gangstalkers in the United States. Citizen Corps (DHS) and Neighborhood Watch also have significant member-stalkers. See their websites.

    The paranoid idiots at Infragard, believe that a terrorist is hiding behind every tree, and under every rock. The FBI cultivates this type of paranoid thinking, because it justifies a bigger budget every year. And it allows the FBI to avoid FOIA requests about the activity.

    Their supposed goal is to protect infrastructure. But you can’t accomplish “protection” by having meetings and talking about protection. You have to surveil someone – and that’s grossly illegal. There are stalking laws in every state. Where do they get the names from? – The FBI and the Fusion Center give them names and addresses from the FBI’s illegal Watchlist. Judge Anthony Trenga declared the Watchlist as Unconstitutional, because the FBI could not provide a shred of evidence, that someone was a “known or suspected terrorist.” This is how the patsies at Infragard are duped into performing the dirty work for the FBI.

    The Watchlist is not a list of terrorists. Most of the names on it are “Non-Investigative Subjects” (NIS). We can deduce that the FBI is a criminal organization, just like Ted Gunderson (former FBI Chief) and Geral Sosbee (former FBI agent – ) have repeatedly stated.

    “The CIA and FBI are behind most, if not all terrorism.”
    – Ted Gunderson, former FBI Chief

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Chris Reed

Chris Reed

Chris Reed is a regular contributor to Cal Watchdog. Reed is an editorial writer for U-T San Diego. Before joining the U-T in July 2005, he was the opinion-page columns editor and wrote the featured weekly Unspin column for The Orange County Register. Reed was on the national board of the Association of Opinion Page Editors from 2003-2005. From 2000 to 2005, Reed made more than 100 appearances as a featured news analyst on Los Angeles-area National Public Radio affiliate KPCC-FM. From 1990 to 1998, Reed was an editor, metro columnist and film critic at the Inland Valley Daily Bulletin in Ontario. Reed has a political science degree from the University of Hawaii (Hilo campus), where he edited the student newspaper, the Vulcan News, his senior year. He is on Twitter: @chrisreed99.

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