victims

VAN NUYS — It was a showdown between quake-weary homeowners and the insurance companies they are still battling six months later.

More than 300 people turned out for the confrontation Wednesday night, filling an auditorium at Birmingham High School in Van Nuys for a hearing presided over by state Sen. Art Torres (D-Los Angeles), chairman of the Senate insurance committee and the Democratic nominee for insurance commissioner in the November election.

Besides disgruntled victims of the Northridge quake, the speakers included representatives of State Farm, the state’s largest carrier with 20% of the homeowners market, and No. 3 Farmers Insurance Group.

Nettie Hoge, head of consumer services for the California Department of Insurance, also participated in the often heated town hall meeting that Torres conducted as an official hearing of the insurance committee.

Hoge told the crowd that state Insurance Commissioner John Garamendi had persuaded Woodland Hills-based 20th Century Insurance Co. to restore homeowners coverage to about 14 of its customers whose policies the company recently canceled.

20th Century received so many quake claims that the state insurance department granted the company special permission to get out of the homeowners coverage business. One of the conditions, however, was that the company offer its customers two more annual renewals. Some of its policyholders have complained recently that the company was seizing on technical excuses to refuse immediately to renew their policies.

Many people in the audience brandished signs such as “Boycott 20th Century” and “20th Century, What Did You Do With Our Premiums?”

Torres said 20th Century was invited to send a speaker to the meeting, but declined. However, when Torres asked if anyone from 20th Century was in the audience, two people raised their hands. Rick Dinon, a senior vice president, said the executives were there because they hoped to “correct some misinterpretations of the company’s actions, motives and finances.”

“It hurts,” Dinon said of the homemade signs criticizing the company. “We hope we have the respect of our customers and we most assuredly respect them.

“It hurts a lot to be placed in an adversarial relationship with our customers. It is disappointing we can’t continue to offer them the kind of protection we have in the past.”

When an earthquake hits, “much of the suffering is from the reprehensible conduct of the insurance industry adjusting the earthquake loss,” said George Kehrer, executive director of Community Assistance Recovery, or CARE, a Northridge-based consumer group he said represents more than 5,000 property owners.

“Adjusters swarm into the state like killer bees,” Kehrer said, drawing a standing ovation.

Torres told the group that many of the complaints he has received have come from people who fear their company will abandon them. But he noted that Garamendi is proposing a statewide insurance industry pool as well as supporting proposals for national disaster insurance.

“It’s hard to be patient,” he said. “People in northern California are still dealing with insurance companies from the Loma Prieta quake” in October, 1989.

Bill Gausewitz, of Farmer’s Insurance, said his company had resolved 27,241 quake-related claims, about 90% of those it had received. Of those, 7,877 were dismissed without payment and the others received compensation, he said.

Torres asked Gausewitz if Farmers had received complaints that it refused to pay the true cost of earthquake repairs.

“Not that I know of,” Gausewitz replied, drawing hoots and jeers from the audience.

Hoge said the insurance department has received complaints of low payments by virtually all insurance companies hit by Northridge quake claims.

Torres, whose committee is wrestling with many quake-caused problems, including a growing homeowners coverage crisis, said he arranged the meeting to give angry quake victims a chance to air their grievances.

Disillusioned policyholders have inundated his Los Angeles and Sacramento offices with complaints, he said, ranging from switching adjusters in the middle of the claims process to “low-ball” offers to settle to delays receiving payoff checks. Some accused their insurance carriers of breaking promises or lying to avoid paying claims.

This countryside spot is steeped in folklore about a monstrous Barghest that legends claim crushed victims – making for an atmospheric hiking spot

Nestled within an abandoned mining region, hidden away in the Wharfedale valley of the Yorkshire Dales, lies a collapsed limestone ravine, brimming with historical tales, folklore and even a potentially terrifying resident.

Unless you’re aware of its existence, the enigmatic cavern is virtually invisible from view, concealed just off the roadside, making it a genuine secret treasure for ramblers.

Troller’s Gill is a legendary location beloved by keen walkers who venture to the region hoping to witness its splendour, as it packs considerable natural beauty into a compact trail.

The difficulty level for the path is fairly moderate, largely due to a handful of sections requiring scrambling, with a total distance of 2.6 km. It’s a trek that typically takes around one hour and can therefore be combined with any other walking or exploration activities you’ve planned during your stay in the Dales.

Save on the best holiday cottages in Yorkshire

This article contains affiliate links, we will receive a commission on any sales we generate from it. Learn more

From £31 per night

Sykes Cottages

See the deals

Famous for its dramatic landscapes, historic cities, hearty food, and rich cultural heritage Yorkshire is just waiting to be explored. Sykes Cottages has a large number of properties to choose from with prices from £31 per night.

To access this captivating destination, you can leave your vehicle on New Road, where parking is free, before discovering this luminous green treasure.

Upon arrival, you’ll understand why it’s such a frequently discussed location and observe its rocky brook, which seems to emerge from nowhere.

Approximately a 15-minute stroll from where you’ve parked, you’ll spot a disused mine, the former operations of Gill Heads Mine, which has remained dormant since the early 1980s.

The entrance features a substantial gate with rockfall partially obstructing it, and visitors are strongly advised against entering the mine itself due to potential hazards, including potholes and collapse risks.

Legends and myths

Since its existence began, Trollers Gill has been cloaked in mystery but there’s one talethat particularly stands out from the rest. The location is thought to have been haunted by a Barghest, a massive hound with large luminous eyes.

According to ancient folklore, encountering the creature was far from fortunate but rather a harbinger of death, as those who crossed paths with the fearsome beast were frequently crushed to death or ripped apart, tales suggest.

One legend recounts the story of a man, John Lambert of Skirethorns, who bragged in a local pub about what he’d do to the enormous hound, which involved ‘giving it a good thrashing’ if he were to ever come across it. However, legend has it, he encountered the dog on his journey home, and it fatally crushed him.

John Henry Dixon from Grassington may have been the first individual to document such tales when he contributed a poem to a book published in 1827, William Hone’s Table Book.

In the ballad he describes a courageous man who ventures out to visit the Gill hoping to summon the mighty Barghest.

As he entered the gorge, he sensed the spirit of the stream warning him to turn back, but he disregarded it. He drew a protective magic circle around himself “with charms unblest”.

In his brief tale, the stream swelled and thundered, accompanied by a powerful wind, sweeping down the valley. He glimpsed the enormous shadow of the growling dog, its eyes illuminating the gorge walls.

The ferocious creature launched itself at the man and seized him as its next victim, dragging him to the valley floor, where his remains were subsequently discovered.

Various mythical creatures and supernatural entities have been reported inhabiting the ravine, which quite literally takes its name from trolls. It’s believed that Trollers’ Gill originates from ‘Troll’s Valley’, drawing from the Scandinavian tongue of those who made this area their home.

Their traditions and legends indicate that the term ‘troll’ encompasses any supernatural creatures, ranging from hulking giants to goblins, and naturally ‘trolls dwelling beneath the bridge’.

Meanwhile, the term ‘trolldom’ was understood to signify witchcraft and therefore implies the name stems from the notion of the valley being cursed, enchanted or inhabited by otherworldly beings.