Leave a comment


Advocates urge educators to heed bereft children’s cry for help by changing school culture

See story: https://amsterdamnews.com/news/2022/12/29/advocates-urge-educators-to-heed-bereft-childrens-cry-for-help-by-changing-school-culture/

Related Story: https://www.theguardian.com/world/2021/oct/07/covid-hidden-pandemic-children-parents-caregiver

Leave a comment

Court Declares Mississippi’s “Draconian” Eviction Laws Unconstitutional

Plaintiff Samantha Conner/Courtesy of University of Mississippi School of Law

Update: Following a ruling in November 2021 by Judge Michael P. Mills that sections 89-7-31, 89-7-35 and 89-7-41 of Mississippi’s landlord-tenant statute were “unconstitutional” and “draconian,” state legislators revised the statute.  Gov. Tate Reeves signed the amended legislation into law on April 21, 2022. See Bill Text: MS SB2461 | 2022 | Regular Session | Enrolled | LegiScan

Leave a comment

Mississippi Reaches Out for Help Amid Record High COVID-19 Cases


On Aug. 24, Gov. Tate Reeves announced that 1,046 health care providers from out-of-state were being deployed to 50 hospitals in Mississippi to fill critical staff shortages for at least 60 days. This includes 833 nurses, 193 respiratory therapists and 20 paramedics.  The short-term staffing will provide much-needed relief to the state’s hospitals stressed by the dramatic surge in COVID-19 hospitalizations.  Reeves said the additional personnel will cost $80 million, which is expected to be reimbursed by the federal government.  

Leave a comment

Mississippi Hospitals Filling Up with COVID-Infected Patients

Leave a comment

It is Always Darkest Before the Dawn

Photo credit: https://www.whitehouse.gov/administration/


By Shirley L. Smith

Scores of people in America and around the world breathed a collective sigh of relief Wednesday as the tumultuous reign of Donald Trump, who led with a heavy hand and a cold heart, finally came to an end.

President Joe Biden and Vice President Kamala Harris – the first woman, first Black and first South-Asian American to serve as vice president – were officially sworn into office on a cold winter day without the usual fanfare and the traditional passing of the torch from one president to the other.  Even on his way out the door, Trump could not put the country first and be gracious by attending Biden and Harris’ inauguration.

The day started with a bit of an overcast, but as the ceremony got underway, the cloudy sky cleared, and a ray of sunshine gleamed over the inaugural stage.  It felt like the nation was going through a metamorphosis from a season of darkness and despair to a brighter, more hopeful future.  

But the Biden and Harris administration will have their work cut out for them.

They are inheriting a deeply polarized nation that has been left battered and bruised at home and abroad by the Trump administration and that is desperately in need of healing.

Biden also has to restore America’s standing in the world.  Although Trump was elected on the nebulous promise, to some, that he would “Make America Great Again,” he managed to diminish America’s reputation around the world and made it a laughingstock, a nation to be pitied rather than admired.

Biden and Harris will also have to address the needs of millions of Americans exhausted by a raging pandemic that has killed over 400,000 people, rising unemployment rates that have left many struggling to keep a roof over their heads and put food on their table, and the fallout of centuries of systemic racism.

It is a daunting task, but Biden and Harris say they are up to the challenge.

Biden promised to make the COVID-19 crisis a priority and to tackle all of these problems with the urgency they require.  He also said he plans to lead with compassion and empathy, and he is expecting no less from his staff.

Biden wasted no time confronting these problems head-on. Shortly after he was sworn in, he passed 15 executive orders that included issuing a mask mandate on federal property, ramping up the vaccine distribution process and reversing Trump’s decision to withdraw from the World Health Organization. He also launched an effort to root out systemic racism, a problem Trump refused to recognize even exist.

Before Biden took the oath of office, Jennifer Lopez gave an impassioned rendition of “This Land is Your Land.” The song was the perfect prelude to his inaugural speech, which was not about him but the American people. After four years of a self-absorbed president with delusions of grandeur, this was refreshing.

Biden’s speech did not contain any flowery language.  It was just a simple message, calling for national unity. “We can join forces, stop the shouting, and lower the temperature. For without unity, there is no peace, only bitterness and fury.”  

Biden insisted that “unity is the path forward.”  He said it is the only way to restore the soul of America and defeat the rise in political extremism, white supremacy, domestic terrorism and systemic racism. 

He also called for Americans to end the “uncivil war that pits red against blue, rural versus urban, conservative versus liberal.” And, he said, “we must reject a culture in which facts themselves are manipulated and even manufactured.”

Biden’s tone and words are a stark contrast to Trump.  Biden appealed to American’s common decency and love for their country, whereas political experts said Trump used divisive rhetoric with racial undertones to play on American’s fears and anxieties about the nation’s changing racial demographics, and the loss of traditional religious and cultural values.

Trump’s presidency was defined by incendiary rhetoric that emboldened extremists and white supremacists to come out of the shadows, take off their veils and boldly unleash their venom on society without fear of prosecution.

Trump not only sowed the seeds of discord, but his constant distortions of the truth caused many American’s to distrust institutions that are the bedrock of our democracy like well-established media organizations, the courts, the electoral system, and anyone who did not acquiesce to his way of thinking. 

Trump’s callous and inflammatory rhetoric inevitably led to violence.

On Jan. 6, a mob of Trump’s devout followers, incited by his repeated lies that the presidential election was rigged, attempted a coup by executing a violent attack on the U.S. Capitol, an epicenter of American democracy.  The assault forced members of Congress into hiding and resulted in the death of five people.

“He was a lawless president,” said Peter Wehner, vice president and senior fellow at the Washington-based Ethics and Public Policy Center, in an interview with PBS NewsHour on the eve of the inauguration. 

Wehner, who served in three Republican administrations, added: “He violated norms in every single direction, civic and political. There was a savagery to our politics because of him.”

Wehner is one of few Republicans that have spoken out against the disastrous Trump administration. Even after the horrific assault on the Capitol, most Republications continue to shamelessly perpetuate “the big lie” that the presidential election was rigged despite no evidence of widespread election fraud.  The sad thing is, it is not that they do not know better, because they do, but they are either driven by their insatiable lust for power, misplaced loyalty to their party rather than their country, or worse, their deeply rooted racial bias.

Ironically, Trump said in his inaugural address in 2017 that he would put an end to “American carnage,” but Trump is the one that is leaving behind a legacy of carnage and bloodshed, stemming not only from his dangerous rhetoric but the politicization of wearing masks, which medical experts say is a necessary precautionary measure to save lives.

Only time will tell whether Biden and Harris can “restore the soul of America” and repair the damage that Trump and his cohorts have done to this country domestically and internationally.  However, Biden and Harris are off to a good start by setting the right tone and having a national memorial service before their inauguration to remember those who have died from COVID-19.

Biden, who lost his first wife and son in a tragic car accident and another son to cancer, knows too well the pain of losing a loved one.

While no words can soothe the heart of someone grieving the loss of a loved one, especially those who have had to grieve in isolation without the support they need, Biden understands that healing starts by acknowledging one’s suffering and letting them know they matter and their loved one’s matter.

“To heal we must remember. It’s hard sometimes to remember, but that’s how we heal,” Biden said.

If the COVID-19 pandemic has taught us anything, it is the importance of our shared humanity.  We live in a global community, so what happens in Europe, Africa, Asia and other parts of the world affects us all. This is a time when we are called to put aside our selfish desires for the good of humanity because our actions can literally kill our families, friends, coworkers and anyone who crosses our path.  Our mere existence depends on our willingness to make sacrifices, and care for and protect our fellow human beings.

“When day comes we step out of the shade,
aflame and unafraid
The new dawn blooms as we free it
For there is always light,
if only we’re brave enough to see it
If only we’re brave enough to be it,” said Amanda Gorman,
America’s First Youth Poet Laureate at the inauguration of
President Joe Biden on Jan. 20, 2021

Leave a comment

Wounds of the past still haunt Mississippi

This bullet-riddled “river sign” marked the area where the mutilated body of 14-year-old Emmett Till, the victim of a notorious lynching, was discovered. The sign had to be removed after being repeatedly vandalized. (Photos courtesy of the Emmett Till Memorial Commission)


JACKSON, Miss. — Shortly after relocating to Mississippi last summer, I came face-to-face with the state’s racist past and the inescapable reality of its existing racial tensions.

Here I was, standing in my boss’s garage, counting bullet holes in two memorial signs that symbolized one of the darkest chapters in our nation’s history.

When my boss Jerry Mitchell first showed me a photo of three gun-toting white college students gleefully posing in front of a bullet-riddled sign honoring Emmett Till, the lynched civil rights icon, I thought it was an image from the 1960s, not modern-day Mississippi. Sadly, I was mistaken.

The signs were erected about three miles outside the rural town of Glendora, Mississippi, in Tallahatchie County, by the Emmett Till Memorial Commission, a nonprofit organization founded on the principle that “racial reconciliation begins by telling the truth.” The “river signs” marked the area where Till’s mutilated body was found, but they were taken down after being repeatedly vandalized.

Mitchell broke the story of the last vandalism in July 2019, after a source sent him a copy of the photo, posted on Instagram. The curator of the signs delivered them to Mitchell to aid in his investigation into the incident. It remains unknown whether the students did the shooting.

Till was only 14 when he was kidnapped, tortured and killed in 1955 by a group of white men for whistling at a white woman, an unpardonable sin in the deep South. Three days later, his body was discovered in the Tallahatchie River. Till’s killers were acquitted by an all-white jury but later confessed with impunity.

As I stooped down in front of the signs to begin what was to be the arduous and emotionally draining task of counting and recounting the bullet holes, I thought to myself, “What else can they do to this child?”

The closest I have come to such unadulterated hate was when I participated in a large civil rights march years ago in Forsyth County, Georgia, and witnessed a child perched on an adult’s shoulder chanting, “Go home, niggers!” This is how the seeds of hatred and racism take root.

Initially, I was livid about the desecration of the sign, then consumed with immense sadness as I thought about what Till and so many others before and after him had endured simply because of the color of their skin. The color of my skin and that of my forefathers.

I counted 317 bullet and pellet holes. The message was clear: the perpetrators want to erase the only thing left of Till, his memory.

After he was killed, Till’s mother insisted on an open casket at the funeral, so the world could see what was done to her son. The vivid image of Till’s disfigured body was published in Jet, a national black magazine, and news of the slaying sent shock waves throughout the nation.

Some black youth of Till’s generation say they were haunted by the horrific image and that it had an indelible impact on them. Robert Luckett, a civil rights historian at Jackson State University, said the senseless brutality of Till’s killing awakened their consciousness and hastened their transition from childhood into adulthood, galvanizing many of them to join the 1960s civil rights movement.

Hezekiah Watkins points to his Civil Rights-era mugshot at the Mississippi Civil Rights Museum, Nov. 2019. He was one of more than 300 Freedom Riders who were arrested in Mississippi between May 24 to Dec 2, 1961. (Photo by Shirley Smith/Mississippi Center for Investigative Reporting)

Unfortunately, many young people today do not know Till’s story, said Hezekiah Watkins, a former Freedom Rider who works at the Mississippi Civil Rights Museum. Watkins said black kids often leave the documentary of Till’s life in tears.

Ironically, the recent acts of vandalism and their subsequent news coverage have had the unintended effect of raising awareness of Till.

Patrick Weems, the Till Commission’s executive director, said the damaged signs were replaced for the third time on Oct. 7 with a bullet-proof sign that cost over $10,000 and weighs about 500 pounds. On Nov. 2, a small band of white supremacists tried to film a propaganda video in front of the sign but were scared off by an alarm. The next day, Weems said the commission received the following message:

These incidents reveal the underlying racial tensions that still cast a dark shadow over the state and reinforce negative perceptions of it, making it difficult to recruit much-needed physicians and other highly-qualified professionals.

“Mississippi was the most violent state in America during the Jim Crow era,” Luckett said.

Between 1877 and 1950, the Equal Justice Initiative documented the lynching of 4,084 black people in the South, 654 of them were lynched in Mississippi, which is the highest number of lynchings in the nation.

Although I had some trepidation about moving to Mississippi myself, overt racism is no longer commonplace in the Magnolia State; for the most part, black and white people peacefully coexist. But remnants of the Jim Crow era are still evident in the disparities in the state’s political, economic, social, educational and criminal justice systems, and in the Confederate battle emblem on the state flag and Confederate monuments that blanket the state.

These symbols are a constant reminder to African Americans of slavery and the structural racism that persists in Mississippi, said D’Andra Orey, a political science professor at Jackson State University. In 2001, there was an unsuccessful referendum to change the design of the state flag.  “After the flag vote failed, I became extremely disillusioned and angry, and I thought it was best that I leave the state at that time, and in doing so, I made a hard decision to leave my son behind,” Orey said.

Ultimately, he returned to reclaim his birthplace; his research examines individuals’ physiological and subconscious responses to the Confederate flag.

Mississippi is a microcosm of the seething racial tensions that exist across America. What magnifies these tensions in Mississippi, aside from its history of extreme racialized violence, is that it is the poorest state in the nation with a black population of about 38 percent, many of whom struggle with intergenerational poverty. This stems, in part, from educational inequities and long-standing policies that political observers and residents alike say are designed to hinder the advancement of black people.

“The white power structure today generally does not engage in explicit racism, but their words and actions are implicitly about racialized power,” Luckett said.

While many black people hold political offices on the local level, they lack economic power, and statewide offices are exclusively held by white Republicans. There is also a wide racial divide in housing, churches and schools, Orey said.

Weems, a white Mississippian, admits he was unaware of systemic racial injustices until 2005, when he attended the University of Mississippi, commonly known as “Ole Miss,” a name derived from the antebellum era, used by slaves to address the wives of their masters. The gun-toting college students also attended “Ole Miss.”

“It wasn’t until I started listening to black students who were being called the “n” word on campus, and who were not being called on by a white professor for the entire semester, that my view of Mississippi and myself started to change,” Weems said.

“We are never going to bring Emmett Till back or right the wrongs of the past,” he added. “But if both communities, black and white, accept what took place, then we can share a future based on reality and our policies will reflect a more equitable system, a system that takes into account generations of injustice.”

Though the weight of this seemingly simple assignment lingered in my mind for days, I knew it was important. A journalist’s job is often unglamorous and laborious, but we have the power to effect positive changes in society and improve people’s lives by exposing hatred and injustice. That is what gets me up in the morning.

A new sign being erected in memory of Till. (Photos courtesy of the Emmett Till Memorial Commission)


On June 30, 2020, following mounting political and economic pressure, Gov. Tate Reeves signed a historic bill, HB 1796, to change the Mississippi state flag, which bears the Confederate emblem. The flag has flown over the state since 1894, serving as a constant reminder to many black Mississippians of the state’s violent racialized history. Mississippi was the only state in the nation to still have a flag featuring the divisive Confederate symbol. Members of Mississippi’s Legislative Black Caucus, who have long lobbied for the removal of the flag, expressed mixed emotions about the flag finally being retired. They said it is just one step in unraveling inequities in Mississippi’s educational, health care and criminal justice system.

Shirley L. Smith is an investigative journalist for the Mississippi Center for Investigative Reporting and a corps member with Report for America. This dispatch is part of a series called “On the Ground” with Report for America, an initiative of The GroundTruth Project.  Follow her on Twitter @shirleysmithVI. 

This article was originally published in The GroundTruth Project.

Leave a comment

New California Law to Abolish Money Bail and Help the Poor is in Jeopardy

PPIC Arrest PhotoPhoto Credit: Public Policy Institute of California (PPIC)

By Shirley L. Smith     Updated 

When she was 12 years old, Jessica Bartholow vividly recalls how she and her 14-year-old sister had to fend for themselves for three days after her mother was arrested and jailed in California for check fraud. “We were so poor that we didn’t have a telephone or food in the house,” Bartholow said, much less money for bail.

Bartholow’s father, a Vietnam veteran, was incapable of taking care of the family due to his debilitating post-traumatic stress condition. Fortunately, she said, “my mother was able to reach my grandparents who bailed her out.”

In the U.S., everyone is presumed innocent until proven guilty. Therefore, everyone is entitled to bail, except those charged with certain serious felonies who, based on the evidence, would pose a safety or flight risk. But people on the lower end of the economic scale, like Bartholow’s mom, are often denied their fundamental right to bail for no other reason than their inability to pay for their freedom. Unless a judge releases them on their own recognizance or on a supervised release, poor people and those with limited financial means who are accused of a crime and cannot post bail, or a portion of their bail, are held in jail until trial or the resolution of their case.

Research shows that thousands of poor people and those with low incomes, who have not been convicted of a crime and pose no threat to the public, are forced to remain in jail for weeks, months and even years while waiting to go to trial because they cannot afford bail. Most of these individuals are accused of minor offenses. While in jail, many lose their jobs and housing, and their children are placed into an overburdened foster-care system. Meanwhile, wealthy people, who may pose a greater risk to public safety but can afford bail, are permitted to go home before trial.

To eradicate the economic disparity in California’s pretrial system, the state’s executive, judicial and legislative branches of government came together to draft Senate Bill 10 (SB 10), the California Money Bail Reform Act. SB 10 abolishes the money-bail system and replaces it with a risk-assessment system that includes electronic supervision programs like ankle bracelets and GPS home monitoring. The bill was signed into law in August by outgoing governor Jerry Brown who has long-held that the money-bail system constitutes an unfair “tax on poor people in California.”

“California is the first state to completely eliminate the money-bail system,” said Bartholow, who is now a passionate policy advocate at the Western Center on Law & Poverty which co-sponsored SB 10. “The bill also establishes that there will be no monetary conditions of release allowed like paying for ankle monitors and other pretrial services.”

Bail Agencies May Halt Implementation of the Law

The law is slated to go into effect on Oct. 1, 2019, but California’s lucrative bail industry, which will be decimated by the law, have formed a coalition to repeal it.  The coalition, named Californians Against the Reckless Bail Scheme, consists of bail industry leaders, public safety leaders, criminal justice reformers, crime victims’ advocates and concerned citizens.

The coalition had until Nov. 26 to submit the 365,880 signatures it needs from registered voters in California for a referendum. On Nov. 20, the alliance, sponsored by the American Bail Coalition, announced that it has obtained about 577,000 signatures.

“The campaign aims to show voters that this new law is unjust and replaces California’s current bail system with a dangerous and untested scheme that would make the state less safe while increasing the numbers of those unfairly incarcerated,” coalition members said in a news release.

The signatures still need to be verified by the counties, a process that can take 38 to 68 working days, said Sam Mahood, spokesperson for California’s Secretary of State Alex Padilla. If the projected number of valid signatures is greater than 110 percent of the required number of signatures, Mahood said, the measure would qualify to be placed on the November 2020 ballot. And, the implementation of the bail-reform law would be put on hold until voters get a chance to weigh in.

Bartholow said the bail agencies’ coalition is backed by profit-seeking insurance companies. While Bartholow sympathizes with people in the bail industry who will lose their jobs, she said, “nobody should profit from someone being in jail.”

Proponents of the new bail-reform law contend that it will create a more equitable, safer system because all decisions on whether to release people from jail pending trial will be based on their threat to public safety and flight risk rather than their ability to pay a bail. The average bail in California is $50,000, said Katie Hanzlik, press secretary for Sen. Robert Hertzberg, the primary author of SB 10.

“For too long, our system has allowed the wealthy to purchase their freedom regardless of their risk, while the poor who pose no danger languish in jail,” said Assemblyman Rob Bonta, co-author of the bill.  “Freedom and liberty should never be pay to play.”

Conflicted Reformers say New Law Perpetuates Racial Bias

Some criminal justice reformers also oppose SB 10. Though they favor abolishing the “predatory” money-bail system, they say the new system gives judges too much power, relies on excessive government surveillance of people who are presumed innocent and perpetuates racial disparities.

“It is absolutely a positive thing to eliminate wealth-based decision-making in our justice system and to get rid of the commercial bail industry,” said Natasha Minsker, director of the ACLU of California Center for Advocacy & Policy. The ACLU initially supported the bill but withdrew its support. “The final version of the bill did not include sufficient protection against racial bias, and the computer programs that will be used are given a bigger role to determine who gets released than the original version of the bill,” Minsker said.

Under the risk-assessment system, Minsker explained that people arrested for misdemeanors will be released within 12 hours without having to pay a money bail and without any risk assessment unless they fall within the statute’s “exclusion list.” This list includes several offenses and other factors that disqualify someone from pretrial release.

People arrested for a felony offense will be evaluated by a pretrial assessment officer within 24 hours who will gather data about their personal and criminal history. The data will then be entered into a computer program which will determine whether the accused is a low, medium or high risk to public safety and their risk of flight. Those classified as low-risk must be released within 24 hours unless they fall within the exclusion list.

The pretrial services officer or judge will decide whether to release individuals classified as medium risk or hold them until arraignment. People classified as high risk must be detained until arraignment where a judge will decide whether they will remain in jail.

Large Gaps Remain Between African Americans and Whites Arrest Rates

“The challenges with the risk-assessment system are that it is most likely going to benefit white people, because communities of color have a very long history of being over-policed, and black and brown people are more likely to be arrested and have a criminal history,” Minsker said. Therefore, she said, “anyone who has a criminal history with the justice system is more likely to be on the statute’s exclusion list or deemed to be a medium or high risk, and because of that, they are more likely to be detained.”

Although researchers at the Public Policy Institute of California (PPIC) say racial disparities in arrests have narrowed, “the disparity between African Americans and whites remains substantial.” In its first statewide study of arrest trends between 1980 and 2016, the PPIC found that in 2016 African Americans made up about 6 percent of California’s population but 16 percent of arrests.

African Americans in California were three times more likely than whites to be arrested in 2016. In contrast, Latinos were 1.1 times more likely than whites to be arrested, said PPIC researchers in a Dec. 3, 2018 report describing their findings.

“Forty-five of the 49 counties examined have an African American arrest rate that is at least double that of whites, while 13 counties have an African American arrest rate that is at least five times that of whites.” PPIC researchers also discovered that large, urban counties tend to have lower arrest rates while small, rural counties tend to have higher arrest rates. (See PPIC’s interactive tool.)

Nationally, people of color are also disproportionately arrested and incarcerated. “Sentencing policies, implicit racial bias, and socioeconomic inequity contribute to racial disparities at every level of the criminal justice system. Today, people of color make up 37% of the U.S. population but 67% of the prison population,” according to The Sentencing Project which tracks developments in the criminal justice system.

“Overall, African Americans are more likely than white Americans to be arrested; once arrested, they are more likely to be convicted; and once convicted, they are more likely to face stiff sentences. Black men are six times as likely to be incarcerated as white men and Hispanic men are more than twice as likely to be incarcerated as non-Hispanic white men,” The Sentencing Project said.

The ACLU and San Francisco’s Public Defender Jeff Adachi are also concerned that the new law will leave the fate of the accused in the hands of probation officers. “Probation officers, who have a law and order mindset, would be the pretrial officers who would be doing the assessment,” Minsker said.

The Judicial Council of California, which oversees the state’s courts, will establish guidelines for the new system and provide a list of computerized assessment programs. A four-member panel, one of whom will have expertise in detecting potential bias in the programs, will recommend how the various risk levels should be defined, Hanzlik said. Each county will decide which program it will use. The risk-assessment system will cost about $200 million annually, Hanzlik added.

Despite the ACLU’s concerns, Minsker said the ACLU will work to improve the bail-reform law, rather than overturn it, by fighting for additional safeguards against bias. Even though the law will cause many bail agencies to shut down, Minsker said the bail industry will continue to make money from people detained by the federal government for immigration violations who are required to pay a money bail.

Lawmakers acknowledge the risk-assessment system will not eradicate pretrial racial disparities, but Hertzberg said, it is “a transformational shift away from valuing private wealth and toward protecting public safety.”

“Our goal is not to solve judicial bias with this [legislation], but to eliminate the factor of money from the equation,” Hanzlik said. Minsker, on the other hand, said, “the ACLU’s goal has always been to reduce racial bias in the justice system and increase the number of people who are free pretrial.”

Current Bail System is Based on an Arbitrary Bail Schedule

Under California’s current bail system, bail amounts are established by a fixed “bail schedule” which matches each charge to a dollar value. The bail schedule is prepared annually by judges who have the discretion to adjust bail amounts. Every county has its own schedule, so someone charged with a felony assault with a firearm, for example, would have to pay a $50,000 bail in Los Angeles County and $125,000 in San Francisco County, said researchers at the UCLA Luskin School of Public Affairs. If the accused appears at all court dates, the court refunds the bail payment regardless of the outcome of the case. If the accused fails to appear in court, the bail is forfeited.

Bail agents typically charge 10 percent of a bail and assume responsibility for the full bail if the accused fails to appear in court, but agents rarely pay the full bail. An analysis of California’s bail system by a judicial workgroup revealed that the state’s forfeiture laws make the process of initiating and collecting forfeited bails from bail agencies too complex, labor-intensive and costly for the courts to pursue, so they are often relieved of paying, in some instances, millions of dollars.

Some bail agencies offer payment plans at high-interest rates. Many also require property as collateral which may be seized if the accused fails to appear in court. Unlike the courts, bail agencies do not refund any money. Consequently, people can incur substantial debt even if their case is dismissed or they are proven innocent.



On Jan. 16, 2019, California’s Secretary of State Alex Padilla announced that the state’s new landmark law to abolish the money-bail system, which was slated to go into effect on Oct. 1, has been put on hold.

A well-funded campaign, sponsored by the bail industry, to overturn the law has obtained the signatures it needed to put the measure on the Nov. 3, 2020 general election ballot.  This is a major setback for some criminal justice reformers who were anxious to eliminate money as a determining factor on whether to release people, who have been accused of a crime but not convicted, from jail prior to trial. It is now up to voters to decide the fate of bail reform in California.

Padilla said in order to qualify for the ballot the referendum needed 365,880 valid petition signatures. Based on a random sampling of signatures, election officials projected the referendum had over 400,000 valid signatures.

Leave a comment

Slain Newsroom Staff Deserve More Than Empty Platitudes

Newpaper Stock PhotoBy Shirley L. Smith

When I was a child, growing up in a small island in the Caribbean, I used to watch the news magazine program 60 Minutes religiously with my beloved father and dream about being a roving reporter who would meet people from all walks of life and tell interesting stories. I lived vicariously through the journalists who traveled the world, sometimes risking their lives to tell the stories of people who were oppressed or suffering from famine, diseases or war.

I was enamored by the power of the media to give a voice to individuals who were disenfranchised or marginalized and their ability to provoke positive changes in society by exposing injustice and abuse. Journalists not only keep us informed, they help us stay connected to each other and remind us of our shared humanity. This is why I became a journalist.

Journalism can often be a thankless profession. Most reporters work long hours under stressful conditions for inadequate compensation. Sadly, starting salaries for reporters have not changed much over the past 30 years, as some local newspapers still pay entry-level reporters between $20,000 to $30,000. And, the competition for high-paying jobs for experienced journalists is fierce especially for minorities, forcing good journalists to leave the business.

Many journalists, like myself, were drawn to journalism out of their desire to make a difference in society. Journalism is not just a job, it is a public service. It is not just what journalists do, it is part of who we are. The majority of journalists that I have worked with are fair-minded and vigilant in their pursuit for the truth. An essential part of a journalist’s job is to hold elected officials accountable, because this is fundamental to our democracy.

Democracy is contingent upon a free press providing uncensored information to the public, so citizens can make informed decisions about their lives and government. Democracy also depends on the public’s trust in the press.

For more than two years, President Donald Trump has verbally attacked well-respected news organizations and journalists, calling them “fake news” and even referring to them as “the enemy of the American people” in his effort to divert attention away from his reckless statements, the Russia investigation and some of his ill-conceived policies. Trump’s incendiary comments have incited distrust of the media.

Although Trump has no one to blame for negative news coverage but himself, cable news programs that cover and analyze the Trump administration at nauseum while ignoring or underreporting other major stories only give credence to Trump’s claim that the media are treating him unfairly.

Political analysts warn that distrust of the media can lead to incivility, chaos, an erosion of democracy and ultimately violence.

All Americans should be concerned about this, especially in light of the June 28, 2018 shooting at the Capital Gazette in Annapolis, Maryland where a lone gunman, who authorities said had a longstanding grudge against the community newspaper, shot his way through the newspaper’s glass door and killed four journalists and a sales assistant. Two others were injured in the attack.

In the aftermath of the shooting, Trump said, “Journalists, like all Americans, should be free from the fear of being violently attacked while doing their jobs.” Given the fact that Trump has created a toxic environment for the media that has put journalists covering his rallies and other events in harm’s way, his words sounded like nothing more than mere platitudes that were written by one of his aids.

Trump should have apologized for his vitriolic rhetoric against the media and follow the lead of Canadian Prime Minister Justin Trudeau who issued this statement on Twitter after the massacre affirming the value of journalism: “Journalists tell the stories of our communities, protect democracy, & often put their lives on the line just to do their jobs. Today’s attack in Annapolis is devastating. Our hearts go out to all the victims & their families.”

In the midst of their grief, the reporters at the Capital Gazette and their parent company, The Baltimore Sun, continued to do their jobs. They covered the slaying of their colleagues by a man who by all accounts was deeply disturbed and had no business owning a firearm. This is what journalists do. They report the news even in the most difficult of circumstances, because democracy only prevails if the media refuses to be silenced or forced into submission out of fear.

While this horrific incident was not linked to Trump, it should serve as a wake-up call to him and his cohorts that their rabble-rousing words have serious consequences. One cannot keep fanning the flame of hostility and bigotry against certain groups of people then act blameless when chaos erupts. Trump governs as if he is playing a high-stakes poker game, but real lives are at stake here. He needs to cease his scurrilous attacks on the media and others before more people get hurt.

The victims of the Capital Gazette who lost their lives while doing their jobs and the survivors who watched them die deserve more than empty platitudes and prayers from their leaders that are not accompanied by meaningful action. They deserve respect, stricter gun-control laws and the protection of their government who is supposed to protect all Americans not put a target on their back by labeling them as the “enemy” just to score political points.  The Bible says in James 2:20 that “faith without works is dead.”  American journalists are patriotic people committed to serving their community, being the watchdog of those in power and giving a voice to the downtrodden.  They are not the enemy.  They are true friends to all those who value our democratic way of life.

See Related Video:


Leave a comment

Vilifying the Mentally Ill for the Violent Acts of a Few is Perilous

Gun Protest PhotoBy Shirley L. Smith    Updated                                                                                      Commentary 

In America, we live in a new age where people are called out, as they should be, for using derogatory terms to refer to certain ethnic groups and gay people, but this new wave of consciousness does not seem to extend to people grappling with mental illness.

In the aftermath of the horrific shooting at Marjory Stoneman Douglas High School in Parkland, Florida on Feb. 14, which claimed the lives of 14 children and three adults, several politicians and ardent gun-rights supporters have repeatedly used derogatory terms to refer to people with mental illness. Yet, there has not been the same level of outrage that often follows when defamatory rhetoric is used to describe a whole class of people.

At a packed, emotionally charged CNN town hall meeting on Feb. 21 to discuss the issue of gun violence, Dana Loesch, spokeswoman for the powerful National Rifle Association (NRA), tried to deflect attention away from the destruction caused by guns by laying the blame of the Valentine’s Day bloodbath and other mass shootings solely on poor law enforcement and individuals with mental illness who she referred to as “crazy people.”

“I don’t believe that this insane monster should have ever been able to obtain a firearm. This individual was nuts,” Loesch said, adding that there is no federal requirement for states to report “crazy people” and convicted murderers.

Loesch failed to mention that the NRA opposes universal background checks. The NRA has also fought the banning of semiautomatic weapons for years, and it is opposed to raising the age limit to buy a firearm from 18 to 21.

Nikolas Cruz, the 19-year-old confessed murderer, used an AR-15 semiautomatic rifle, which he purchased legally, to mercilessly kill 17 people at Marjory Stoneman Douglas High School and injure 14 others in the space of six minutes, law enforcement officials said.

Although Florida does require background checks for gun sales, Cruz passed the check, because he did not have a criminal record, and there was no legal finding that he was mentally incompetent even though he has a history of emotional, behavioral and mental problems that include severe depression, Attention Deficit Hyperactivity Disorder, Obsessive-Compulsive Disorder and autism.

Police records reveal that there were numerous complaints about Cruz’s disruptive behavior and that the FBI even received a tip in January from someone who said that Cruz was a possible school shooter. However, Cruz, who was expelled from the school, was never charged with a crime. The FBI has since apologized for mishandling the tip.

Students Demand Answers from the NRA and Lawmakers

Sen. Marco Rubio (R-Fla.), who also attended the meeting, said that he does not believe banning semiautomatic guns will help solve the problem of gun violence. Rubio was booed after he refused a student’s request to not accept any more donations from the NRA.

The NRA has contributed a huge amount of money to political campaigns and spent millions to help elect people who support its agenda including President Donald Trump and Rubio, according to the Center for Responsive Politics. Rubio did, however, break with the NRA when he told students that he would support raising the minimum age to buy firearms to 21.

Rather than recoiling into the background after their friends and classmates were slaughtered, the remarkable children of Stoneman Douglas quickly mobilized and began the #NeverAgain movement to advocate for better gun laws and a ban on semiautomatic firearms. They took their concerns directly to the doorsteps of Florida’s capital and the White House, demanding to be heard.

In response to the students’ pleas, Florida’s Republican Gov. Rick Scott, an NRA member, announced Friday that he will also support raising the age limit to purchase firearms from 18 to 21 with a few exceptions. This measure, he said, is part of a new “action plan” to tighten Florida’s gun laws, secure schools and make it “virtually impossible for anyone who has mental issues to use a gun.”

Scott, Rubio and Trump say they are also now in favor of banning bump stocks, a device that allows semiautomatic guns to fire at a faster rate. Democratic Sen. Dianne Feinstein of California led an unsuccessful effort to ban bump stocks after the Sandy Hook Elementary School shooting in 2012. Calls to ban the device and semiautomatic weapons intensified after the Las Vegas massacre in October 2017, the deadliest mass shooting in modern U.S. history, but no action was taken.

Scott’s plan, if passed by the state’s legislature, will close loopholes in the law that allow people with mental problems to buy guns; provide $50 million for mental health services; penalize people who make harmful threats against schools on social media; and provide $450 million to improve school security. This includes installing metal detectors, bullet-proof glass, steel doors and upgraded locks.

The governor also wants to make it mandatory for every public school in Florida to have at least one law enforcement officer for every 1,000 students and provide armed training for school personnel upon a school board’s request.

Politicians and NRA Continue to Sidestep the Root Causes of Gun Violence

While expanding mental health services and improving access to treatment are important measures, Scott’s plan falls short because it does not include banning semiautomatic firearms which have been used in other mass shootings on U.S. soil.

Scott, Rubio and the NRA refuse to address the root causes of gun violence in America, and that is, the proliferation of guns, easy access to guns and the sale of weapons and ammunition that were designed for warfare not sport Consequently, civilians are using guns to hunt other civilians. Some law enforcement officers, who are often outgunned by criminals, also support banning semiautomatic weapons.

Gun Ownership RatesGun Homicide RatesInstead of engaging in a thoughtful discussion about gun control, the NRA’s CEO Wayne LaPierre has reverted to the same old talking points and is accusing the Democrats and gun-control advocates of exploiting the Florida shooting and trying to rob American citizens of their Second Amendment rights and civil liberties.

LaPierre’s accusations are unfounded, because the grieve-stricken children who survived the Stoneman Douglas massacre are the ones who are leading the charge for stricter gun-control laws this time, and their only agenda is to create safer schools and save lives, so LaPierre and his cohorts are the ones who are shamelessly exploiting this tragedy with their poisonous rhetoric.

LaPierre’s failure to acknowledge the harm that guns, particularly military-style assault weapons, have had on this generation of students for whom shooting drills in schools are the norm is a slap in the face to these children and others who have suffered from gun violence.

LaPierre has tried to discredit everyone and every institution that does not acquiesce to the NRA’s way of thinking.

In his speech at the Conservative Political Action Conference (CPAC) on Thursday, LaPierre insinuated that students are misguided because they attend schools where: “The United States Constitution is ignored. The United States history is perverted, and the Second Amendment freedom in this country is despised.”

LaPierre insists that the solution to protecting students is to arm trained teachers, a controversial idea that has obviously been embraced by Scott and the president. LaPierre echoed his favorite line, “To stop a bad guy with a gun, it takes a good guy with a gun.”

Experts Warn Against Stigmatizing People with Mental Illness

The NRA has constantly espoused the value of guns while using the heinous acts of a few to disparage all people with mental illness and blame them for the country’s high rate of gun violence. However, mental health experts say most people with mental illness are not violent, and most firearm crimes in America are not committed by the mentally ill.

The American Psychiatric Association and the American Psychological Association have both expressed concern about how officials are unfairly framing the discussion about gun violence around people who suffer from mental illness.

“Recent disparaging and inaccurate remarks about mental illness serve only to perpetuate stigma and prohibit honest and open dialogue about an illness (or disorder) that affects one in five people in the nation,” said the American Psychiatric Association in a statement Friday.

“It is important to remember that only a very small percentage of violent acts are committed by people who are diagnosed with, or in treatment for, mental illness,” said the American Psychological Association in a separate statement.

Statistics show that countries like the United Kingdom, Australia and Japan that have fewer guns and stricter gun-control laws, have less firearm-related deaths than America, even though they have citizens with mental illness.

“With less than 5 percent of the world’s population, the United States is home to roughly 35–50 percent of the world’s civilian-owned guns,” according to a report by Switzerland’s Small Arms Survey.

The Council on Foreign Relations reported that the United States also has the highest homicide-by-firearm rate of all developed nations.

“Gun violence is a public health epidemic that is growing in frequency and lethality, and it is taking a toll on our patients,” the American Psychiatric Association members said.

People suffering from mental conditions should be treated with the same compassion as those suffering from a physical illness. The NRA’s rhetoric may discourage people with an emotional or mental condition, like Cruz, from seeking treatment for fear of being stigmatized or ostracized. Experts say most people with mental illness live normal, productive lives with proper treatment and support.

If our elected officials are serious about alleviating America’s epidemic of gun violence, they need to implement stricter gun-control laws, ban assault weapons, and develop a holistic, well-thought-out plan that addresses the impact of gun violence on communities in the United States and the social determinants that contribute to gun violence such as gangs and illegal drug activity. Mental illness is a small fraction of the problem.

People with mental illness and children deserve leaders who will fight just as passionately for them as they will for the right to buy military-style weapons despite the human cost. Surely, lawmakers can find a way to balance American’s constitutional right to bear arms with sensible legislation that protects human life, especially the most vulnerable among us.

Maybe the children of Marjory Stoneman Douglas High School will finally be the catalyst to breaking the stronghold that the NRA has on America’s political system by shaming politicians into reforming the country’s gun laws and stopping the carnage in our schools, churches, movie theaters, nightclubs, concerts and streets without turning America into a militarized nation.

Brady Infographic

See Excerpt from CNN’s Town Hall Meeting on Feb. 21, 2017:    https://www.cnn.com/2018/02/22/politics/marco-rubio-gun-debate-cnn-town-hall/index.html

Leave a comment

Hurricane Survivors in the U.S. Virgin Islands are Anxiously Awaiting Insurance Checks

Photo of Damaged Homes in St. TDamaged homes in St. Thomas covered with blue tarps. (Source: USVI Government)

By Shirley L. Smith   Updated

Almost five months after surviving two back-to-back Category 5 hurricanes, thousands of residents in the U.S. Virgin Islands are still living in limbo, because they have not received money from their insurance company to rebuild their homes and businesses. This puts residents in a precarious position, as the 2018 hurricane season begins on June 1.

The total projected losses for Hurricane Irma, which ravaged the islands on Sept. 6, 2017, are $787 million, said Gwendolyn Hall Brady, the director of the Division of Banking, Insurance and Financial Regulation. “Hurricane Maria’s projected loss [is] $445 million,” Brady said. Maria struck the territory 12 days after Irma, causing more catastrophic damages.

The U.S. Virgin Islands has an estimated population of 104,000 and is made up of four main islands – St. Thomas, St. John, St. Croix and Water Island. Many residents do not have insurance.

The most recent data on insurance settlements reveal that only about 30 percent of all insurance claims have been settled.  In a recent news conference to update the community on hurricane insurance claims and related issues, the U.S. territory’s Lt. Gov. Osbert Potter reported that, as of Jan. 10, a total of 14,881 insurance claims were filed.  Of that number, 4,346 claims have been closed with payment, and insurance companies have paid out $435.6 million to victims of Hurricane Irma and $82.8 million to victims of Hurricane Maria.

Graph of Insurance ClaimsGovernment Officials Inundated with Insurance Complaints

Potter, who also serves as the commissioner of insurance, said the Division of Banking, Insurance and Financial Regulation, has received over 1,000 complaints from residents about issues with insurance companies, banks and contractors. The division is responsible for regulating the insurance industry and protecting consumers’ interest.

Residents have complained about adjusters who fail to get back to them in a timely manner after completing a damage assessment of their property; the slow pace of insurance settlements; and about being blindsided by insurers who informed them that they did not have adequate insurance to cover their losses.

Potter said he knows residents are frustrated, but they should not feel like “there is no hope and no help.” Though his office is short staffed, he said his team is committed to helping residents resolve their issues, and he has issued several orders intended to improve the insurance claim process and protect consumers. “There is not one, who can say truthfully, that they came to our office and were not assisted,” Brady said.

Residents had to wait for weeks or over a month for an adjuster to inspect their property. And, some say, after the inspection, they had to wait another one to two months just to hear back from the insurance company, only to be told that their property needed to be reassessed by a new adjuster.

“Immediately after the hurricanes, there was no transportation into the territory, the airports were closed, and a lot of adjusters could not get here for 15, 30 days after the disaster,” Potter said in an interview following the news conference. However, he said it pains him to hear that consumers have waited so long to hear back from their insurer. To remedy this situation, Potter issued an order requiring insurance companies to respond to customers within 30 days after an adjuster inspects their property. Insurers can get a 15-day extension for good cause. Potter urged residents to report insurers who violate this order. “We can fine companies monetarily and go as far as revoking licenses if we deem necessary,” he said.

USVI Faces Many Challenges

Despite the destruction caused by the hurricanes and the territory’s well-known financial woes, Gov. Kenneth Mapp contended in his State of the Territory address in January that the future of the Virgin Islands is bright due to: the influx of federal money, which will allow the territory to modernize its facilities and make them more resilient; the creation of construction-related jobs; and planned upgrades to the islands’ antiquated electrical grid, which relies on costly imported fuel.

All these improvements are likely to spur economic growth and enhance the islands’ tourism industry, but much will depend on whether the government will be able to dig itself out of its financial sinkhole which has gotten bigger due to the borrowing of millions in disaster loans. In the meanwhile, some residents and lawmakers are concerned about the current State of the Territory, that they say, contrary to Mapp’s assessment, is not “good.”

Daily life for most Virgin Islanders is difficult. Many residents are still living in damaged homes with blue tarps for roofs or are displaced and living with family and friends. Power was restored to almost 100 percent of customers on the electric grid in January, but many street lights and traffic lights are still down, and there are frequent power outages as repairs continue. Residents are also saddled with high electric bills. The average price of electricity is about three times more than the average in the 50 states, according to a September 2017 report by the U.S. Energy Information Administration. The cost of groceries, which was high before the storms, has skyrocketed due to price gouging, and the roads are in dismal condition.

Officials say many government workers have not had a pay increase in years. Some private-sector employees have been laid off without a pension after years of service, a scenario that occurred after previous hurricanes, and public-sector employees are worried about their pensions due to over $4 billion in unfunded retirement liabilities. Crime has increased, and if residents get seriously ill, they risk being evacuated off-island, because the territory’s two hospitals were severely damaged and can only provide limited medical care. To date, the promised temporary modular units for the hospitals and damaged schools have not been erected.

Insurance Delays Adds to Residents’ Anxiety

The delay in insurance payouts coupled with a housing shortage and the looming 2018 hurricane season has added to residents’ anxiety. The U.S. Department of Housing and Urban Development (HUD) announced Friday that it has awarded a $242.7 million grant to the Virgin Islands to bridge the housing gap.  This is a welcome relief for displaced and uninsured residents.

Kelvin Jones, a retirement consultant in Chicago, said he has been trying to help his elderly mother, who lives on St. Thomas, with her insurance settlement, but keeps getting the run around by her insurer, Real Legacy Assurance Company. The company provides insurance to AARP members in the U.S. Virgin Islands and Puerto Rico. “My mom’s house was damaged, and the roof was breached by Hurricane Irma, but she is still living in the house. She filed a claim with Real Legacy in September, and her home was inspected in November by GAD Adjusters, who was retained by Real Legacy,” Jones said.

“When I followed up with the GAD adjuster two weeks ago, the GAD adjuster told me all of their claims were being reassigned to another claims adjuster company, so they sent all their files to the insurance company.   But, a representative from Real Legacy in St. Thomas indicated that GAD Adjusters did not provide Real Legacy with the appropriate records, so it needs to send a new adjuster to re-inspect my mom’s house,” Jones said. “The representative also told me that Real Legacy is no longer doing business with GAD adjusters in the Virgin Islands, but it is still doing business with Puerto Rico.

“Having worked for insurance companies for over 23 years, with most records being kept and sent electronically, I find it difficult to believe that the already completed reports have disappeared in thin air.”  Jones added, “I suspect something else is going on.”

“It’s not just homeowners that are affected. A lot of businesses are waiting on their insurance money to repair their businesses, and it’s holding up progress,” said Andre Malone, a St. Thomas resident.

Insurers in Good Standing Despite Alleged Fraud by One Agent

The angst among residents waiting for insurance settlements is further compounded by their vivid memories of being betrayed by insurers after Hurricane Hugo in 1989 and Hurricane Marilyn in 1995. Some residents are still paying for loans they took out to cover their losses.

“Back in Hugo, insurance companies were not able to pay out all of their claims and that really created a real problem for the insured, which is why we made sure our companies are solvent,” Potter said. “We examined the companies to make sure they are financially capable to pay out, to avoid companies going bankrupt and companies going under.”

Their examinations uncovered an alleged scam by Byam Insurance Agency, an insurance agent on St. Croix. As an agent, Byam was supposed to collect insurance premiums from policyholders on behalf of the insurance company it represents and turn the money over to the company, but Potter said Byam kept the money.

“Homeowners expected that they had coverage from this insurance company, but the agent pocketed the money,” Potter said. While unnerving, he said residents should not be alarmed. “We were able to get the company to honor the policies under the coverage that the insured paid for.” Potter did not say how he achieved this feat, and he would not identify the name of the insurance company that was swindled, but he said Byam is being investigated by the attorney general’s office.

Potter attributed the slow pace of insurance settlements to the “share volume” of claims. “There are a lot more claims this go-round than in the past,” he said, quickly adding, but that is not an excuse for the delay in payments. Residents can rest assured, he said, that insurers doing business in the Virgin Islands are in good financial condition.

“We are not concerned about any of the insurance companies going bottoms up. In fact, if anything were to happen, we have an Insurance Guaranty Fund that is set aside for that purpose,” Potter said. However, this may be of little comfort to residents. Although the Insurance Guaranty Fund was created to pay property owners’ outstanding claims if their insurance company becomes insolvent, Potter admitted that the government has withdrawn money from the fund for years to meet payroll obligations and pay for essential public services.

Government Took Millions from Insurance Guaranty Fund for Other Uses

In 2012, the Legislature of the Virgin Islands passed the Employment Relation and Economic Recovery Act, which reduced the cap for the insurance fund from $50 million to $10 million and stipulated that any amount over the cap “shall be” deposited into the General Fund, the government’s main operating budget. The reduced cap was slated to expire on Sept. 30, 2015, but the reduction was extended to Sept. 30, 2017 upon the governor’s request.  In his Fiscal Year 2018 budget, the governor proposed extending the reduction again to 2019, but Post Auditor Jose George said no legislative action was taken, which means that by law, the cap on the insurance fund reverts to $50 million. Government officials charged with overseeing the insurance fund did not respond to inquiries regarding how much money is currently in the fund.

Due to the hurricanes, George said the legislature was unable to enact a new budget, so the government continues to operate under the Fiscal Year 2017 budget.  A review of data from the Office of Management and Budget show that in Fiscal Year 2017, $12 million was transferred from the insurance fund to the General Fund, and $15 million was targeted to be transferred for Fiscal Year 2018.

After Hurricanes Hugo and Marilyn, money from the insurance fund was used to pay residents’ outstanding claims when their insurance companies went bankrupt, according to a 2007 news release by the government. Some residents did not get their final settlement payments until 2007.  Though Hugo and Marilyn were devastating, officials say Hurricanes Irma and Maria were worse.

Many Residents Underinsured

Potter was baffled by the large number of underinsured residents, because his team launched a multifaceted educational campaign shortly after he took office in 2015 to educate residents about homeowner’s insurance and the risk of being underinsured. Yet, many homeowners insist they were not aware that they were underinsured.

“In most cases, it’s not ignorance, but it’s a financial consideration,” Potter said. People try to save money by eliminating things from their policy like “contents,” which covers personal and household items.

Other factors can cause someone to be underinsured. Generally, insurance companies require policyholders to maintain 80 percent of the replacement value of their property, that is, the actual dollar amount that would be needed to replace damaged property without deducting for depreciation, explained Glendina Matthew, assistant director of the Division of Banking, Insurance and Financial Regulation. People who do not meet this requirement and insure their homes for less than what the insurer says it would take to rebuild their home are putting themselves in the position of being underinsured.

Property owners, who have full coverage, may also become underinsured if they make improvements to their property, such as an addition to their home, but fail to update their insurance policy because such improvements can increase the property value, Matthew said. “Even if you have not made improvements, you still need to look at your coverage periodically to make sure you have adequate coverage.”

On Jan. 23, Potter issued another order directing insurers and their agents to notify policyholders of their underinsurance and tell them what they need to do to maintain full coverage to avoid residents being blindsided in the future. He said homeowners also have a responsibility to make sure they understand their policy.

Brady said insurers will also be required to do a “second review” of policyholders who were deemed to be underinsured to make sure their analysis was accurate.

For more information or to file a complaint, call the Division of Banking, Insurance and Financial Regulation at 340-774-7166 or 340-773-6459.


As of Feb. 9, 2018, the balance of the Insurance Guaranty Fund was $16.5 million, according to Commissioner Valdamier Collens of the Virgin Islands Department of Finance.  Collens provided the information in a written response to an inquiry made under the territory’s public information statutes. The letter was signed by acting commissioner Clarina Modeste-Elliott on behalf of Collens.

Data provided by the commissioner’s office reveal that over the past five years, from   Oct 17, 2012 to Dec. 19, 2017, the government withdrew about $92.5 million from the insurance fund to pay for other government services.  Of that, $73.4 million was transferred to the General Fund.  “Cognizant of the government’s cash liquidity stress, fiscal management required prioritization to ensure financial obligations are met,” Collens stated.  Modeste- Elliott said the government will make another request to the legislature in its Fiscal Year 2019 budget to reduce the Insurance Guaranty Fund’s minimum balance again to $10 million.

Click on link to see Shirley’s related podcast on Your Voice Matters. http://www.blogtalkradio.com/yourvoicematterswithshirleyHomes in St. Thomas by Brooks Hubbard