Podiatrist in Scripps Ranch, CA

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SAN DIEGO (KGTV) — The Grubers are happy to be back in San Diego, but the anxiety from their trip stayed with them.

“I have PTSD: I’m like, 'No you can’t eat that much’ oh wait we’re home now we have food," said Wendy Gruber.

"It was a whole different experience, like survival mode for so long.”

The Gruber family was excited to drive up to Lake Arrowhead on February 20. The camera on the front deck of their cabin shows there was barely any snow when they first arrived. A couple of days in, the situation drastically changed.

“By the morning we had probably four-five feet of snow just overnight.”

You can see from this time-lapse how quickly the snow piled up around their cabin. The Grubers and their neighbors had to constantly shovel it off to protect their cars and homes.

“This is our lives right now. We wake up, we shovel, go to sleep, wake up, another four feet of snow.”

The stress of being trapped worsened when they watched an empty cabin burn to the ground after the gas meter broke. The roofs of two nearby grocery stores caved in because of the heavy snow.

The family walked for four hours to get food from a local gas station, but they weren't alone.

“People were hiking up to our cabin to get food for us and our dogs. There was a hunter that gave us meat.”

After two weeks of struggle, they returned to Scripps Ranch on Sunday. The family says they're grateful to the community that helped them survive.

Wendy's relatives are selling shirts on Facebook with 100% of proceeds going toward Lake Arrowhead rescues. If you'd like to help, click here.

Copyright 2023 Scripps Media, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

The insurance company has told residents they are not renewing policies due to wildfire risk.

SAN DIEGO — More condominium owners are coming forward after not being renewed by Farmer Insurance due to wildfire risk.

The Village Woods complex in Scripps Ranch with 115 condos is the latest to be dropped.

Some HOAs are now considering changing their by-laws to allow individual condo owners to carry their own property insurance. Other HOAs are looking at more expensive policies on the secondary market.

“Our total premium went from $50,000 a year to almost $800,000 a year,” said Dave Sloat, a condo owner in the Scripps Ranch complex.

The Village Woods, $32 million policy covered exterior damage to the entire complex before it was cancelled.

A replacement policy – cobbled together on the secondary market – could now cost each owner an additional $500 per month.

“In addition to our premium going up by 16 times, our deductible has gone from $10,000 per incident to $250,000 per incident,” said Sloat.

The HOA already is seeing the effects. Because of the higher deductible on the replacement policy, the HOA is going to have to use its own reserves to pay for damage to two garages, destroyed last month when two eucalyptus trees fell on them.

But wildfire is the reason why the property insurance policies are not being renewed.

As CBS 8 has reported over the past few weeks, Farmers Insurance recently dropped policies on:

All combined, more than 1,000 homeowners are now looking for affordable property insurance.

Farmers Insurance emailed CBS 8 the following statement:

“While we decline comment on underwriting decisions related to individual customers, similar to other insurers in the state, we regularly review our market exposure and make adjustments, as necessary, to appropriately manage risk.”

Other condo owners in the Scripps Ranch community are starting to price out policies for their own, individual dwellings.

“We're looking into private insurance but there's a problem there with walls that are shared with other residents,” said Mike Colmenero, a condo owner in the Village Woods community.

Changing to individual individual coverage will require changes to the HOA bylaws, requiring a two-third’s vote of all condo owners in the Scripps Ranch complex, according to Sloat.

“The bottom line is we're getting screwed by the insurance companies and our local representatives. Elected officials don't seem to want to do anything to help us,” Sload said.

Owners in Tierrasanta’s Villa Monterey community are preparing to vote on a ballot by March 23 that would “require owners to obtain property insurance for their unit and shared portion of their condominium building” and also allow the COA to levy a $7,250 special assessment per lot to pay for common area insurance. That change would require a majority vote, according to COA documents.

California Insurance Commissioner Ricardo Lara did not respond to a message from CBS 8 inquiring whether he planned to raise the maximum on the state’s commercial FAIR Plan, as requested last week by 18 state legislators.

UPDATE:The office of the California Insurance Commissioner Ricardo Lara responded, after this report was posted, with the following statement:

"Improving insurance options for homeowners associations is a top priority for Commissioner Lara. In November 2021, Commissioner Lara ordered the FAIR Plan to increase its coverage limits for the first time in 25 years -- before these recent reports of non-renewals by insurance companies. The Department of Insurance is doing our due diligence to help protect the residents of homeowners associations now and for the future. We expect to have more to announce on this soon..."

*****At CBS 8, we are always Working for You and our San Diego community. If there is something you would like us to investigate, please share your idea here or email us at workingforyou@cbs8.com.

WATCH RELATED: Farmers cancel insurance for 338 homes in Rancho Bernardo (Feb. 2023).

HERE ARE MORE WAYS TO GET CBS 8:

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SAN DIEGO (KGTV) — It’s hard to imagine this busy café was completely empty four months after it opened. But the pandemic forced Nutmeg Bakery & Cafe in Scripps Ranch to close its doors for almost a year.

“Our numbers went from a couple hundred orders a day down to just over a dozen,” said co-owner Drew Hoffos.

They reopened in 2021, uncertain about what the future would hold. Fast forward to 2022, and, “I couldn’t have been happier; I was yelling in the car all by myself.”

Co-owners Drew and Michka Hoffos got a call from celebrity chef Guy Fieri’s team to be featured on his show "Diners, Drive-Ins and Dives."

“It was a sign that things were going to be OK,” said Michka Hoffos.

They filmed for three days, but the man himself only came for an hour and half.

“I really thought I was going to be calm when he walked in," Michka said. "You try not to be starstruck and then he came in and I was like, 'Ugh.'”

The Hoffos’ and Fieri spoke about two of their signature dishes — La Havana panini and the Bananas Foster French toast. Both dishes were created by Drew Hoffos made with locally sourced ingredients.

“They say just be ready, because the 'Triple D effect,' they call it. As soon as the show airs, you’ll see a massive spike in volume.”

The Hoffos’ say they're still struggling from the pandemic. They're hopeful this episode will bring in new customers.

The episode titled "West Coast Wonders" will air Friday, Jan. 6, at 9 p.m. on the Food Network.

Learn more about the Nutmeg Bakery & Cafe at https://nutmegsd.com/.

Tis' the season for joy and peace and several communities across San Diego County truly tap into the holiday spirit by showcasing stunning light displays right outside their homes. Whether you’re a hot chocolate person or an eggnog aficionado, one thing that can be agreed upon is that the displays local residents work hard on each year surely lift the holiday spirit.

Here’s a list of some of the biggest and brightest holiday light displays in different neighborhoods throughout the region:

San Diego

Fairway Village – Carmel Mountain RanchIf you’re looking to be dazzled by a light display, head on over to this Carmel Mountain Ranch community! Aside from the beautiful lights and display, this neighborhood hosts a yearly block party the Saturday before Christmas. Residents enjoy sips of hot chocolate and cider while they nosh on holiday cookies and snacks at the shindig. The event is open to the public.

Where to go: Stoney Gate Place in San Diego, CA 92128

When to go: Dec. 16 from dusk to 10:30 p.m. through Jan. 1

Garrison St. Lights – Point LomaNot too far from Sunset Cliffs rests a neighborhood bustling with holiday joy and stupendous displays. Garrison St. Lights is back with its festive lights that would inspire even those who typically say “bah humbug” to the holidays. Stroll through this Point Loma community for family-friendly holiday displays certain to lift your seasonal spirit.

Where to go: 3616 Garrison St., San Diego, CA 92106

When to go: 5 to 9 p.m. through Dec. 31

What You'll See: Garrison Street in Point Loma

3600 block of Garrison Street in Point Loma

Christmas Card Lane – Rancho PeñasquitosIt’s iconic and a San Diego favorite year after year (it even has almost five stars on Yelp!). Christmas Card Lane features dozens upon dozens of homes that deck the halls with boughs of holly and their front yards with imaginative lights and displays. Visitors can cruise by the holiday attraction or go at a slower pace by taking a leisurely walk to truly take in every detail of each home’s décor

Where to go: 9190 Oviedo St, San Diego, CA 92129

When to go: Dusk to 10 p.m.

“Merry-tage Court” – Scripps RanchIf you’re in northern San Diego, one particular Scripps Ranch neighborhood gets deep in the holiday spirit for all to enjoy. “Merry-tage Court” takes its light displays seriously and several homes enjoy indulging in the winter fun. The neighborhood even gets so into the festivities that it earned its seasonal nickname as a fun twist on its street name.

Where to go: Merritage Court and Stonebridge Parkway

When to go: 5:30 to 9:30 p.m. now through Dec. 31.

Belardo Lights – TierrasantaWhat started as an ode to his son and a way to bond with him turned into a yearly holiday tradition in this Tierrasanta neighborhood. Thanks to the creation of Randy Schimka, visitors can be awed by his home which is truly decked by the halls with impressive displays. Adding to the magic, the light display is synchronized with FM 106.1’s festive music.

Where to go: 5306 Belardo Dr.

When to go: 6 to 10 p.m. nightly through Monday, Dec. 27.

Joy to The World: Photos of Festive Holiday Displays in San Diego County

South Bay

Christmas Circle – Chula VistaIt has almost five stars on Google Reviews, nearly five stars on Yelp and 100 stars in the hearts of South Bay residents. This Chula Vista neighborhood gets deep in the holiday spirit each year and transforms into a beloved tradition known as Christmas Circle. As the name suggests, it embodies all things merry and jolly in this circular neighborhood.

Where to go: Whitney and Mankato Streets in Chula Vista, CA 91910

When to go: Starting Dec. 10 from 5 to 10 p.m. each evening through Christmas

North County

Candy Cane Lane – PowayHickory Street turns into a wonderful hot spot for holiday cheer each year with its dazzling lights. House after house in this area go to infinity and beyond to spread their jolly, good vibes through the holidays. Those who have a hankering for all things sweet can also take cash to buy some hot cocoa from residents.

Where to go: Hickory Street Poway, CA 92064

When to go: Second Week of December from dusk to 10 p.m. through Christmas (some homes leave their displays through New Year’s)

Christmas on Knob Hill – San MarcosDroves of people travel to San Marcos each year to engage in this community’s cherished tradition. Santa Claus, himself, has also made an appearance in previous years. He may return for those who made the nice list.

Where to go: 1639 Knob Hill Rd., San Marcos, CA 92069

When to go: 5 to 9 p.m. nightly through Dec. 30

East County

Jingle Bell Hill – El CajonKnown as “El Cajon’s very own winter wonderland,” Jingle Bell Hill puts an extra twinkle in every visitors' eyes with the hundreds of lights that illuminate Pepper Drive. Stroll down the illuminated neighborhood on foot or feel free to cruise on down from the comfort of your car at this location.

Where to go: Pepper and Lindenwod Drives, or Pepper and Rockview Drives.

When to go: 6 to 9 p.m. (10 p.m. on weekends) nightly

Tinsel Town – LakesideThose who are looking for a merry, good time can head on down to Lakeside's "Tinsel Town" extraordinaire. The yearly feel-good display invites neighbors and all alike to take in the sights as dozens of homes light up the sky with their beautiful decorations. And to add to the fun, a special, green visitor is teased to make an appearance (Hint: he usually resides just outside Whoville).

Where to go: 10248 Paseo Palmas Dr.

When to go: evenings beginning Saturday, Dec. 5

Starlight Circle – SanteeThe nickname for this small Santee neighborhood is straightforward and deserved – it’s a circular residential area that twinkles in the evenings of December. Here, you can immerse yourself in a winter wonderland full of lights and displays that will make you say “ooh” and, dare I say it – “aah.”

Where to go: West Glendon Circle and East Glendon Circle in Santee, 92071

When to go: 5:30 to 10 p.m. nightly through Christmas

Did we miss one? We want to know! Please click here to tell us about your favorite holiday light display in San Diego County residential neighborhoods.

LA JOLLA —

In a game that featured 68 passes, a pair of La Jolla High School defenders stepped up to preserve a win, stopping a two-point conversion attempt, preserving a 17-15 win over Scripps Ranch.

Everyt ime we play these guys it’s like this — back and forth, close games,” said La Jolla coach Tyler Roach after the Vikings improved to 2-0. “Everyone was gassed at the end, but the defense came up with a huge play.”

Trailing 17-9, Scripps Ranch — playing its first game of the season — took possession at its 48 with 1:34 to play.

Senior quarterback Cash Campbell rallied the Falcons to the La Jolla 10 with 9 seconds to play. On third and goal, he took off on a scramble, was hit by a pair of Vikings, fumbled into the end zone where receiver Alex Ariaudo recovered, making it 17-15.

Going for two points, the Falcons handed the ball to Ryan Stadherr.

He plowed his way to the one where he was met — and stopped — by safety Ryan Kestler and defensive lineman Sawyer Moseley.

“I saw the back motion away from me, so I came across the formation,” Kestler said. “He’s a lot bigger than me, but I hit him low, and got some help.”

Moseley was the help.

“I had to make a decision on whether he was going to go inside or out,” Moseley said. “I waited a beat, and when I saw him go outside, I took off. I got some help, but honestly, I don’t know who else was in there.”

Scripps Ranch threw 39 passes — 34 by Campbell and five by freshman Parker Armstrong. Campbell finished 21 of 34 for 162 yards.

Ariaudo had 12 catches for 98 yards. Stephen Bousquet had eight catches for 70 yards.

“That was the most fun I’ve had in a game,” Moseley said. “I like playing passing teams, rushing the passer.”

Senior quarterback Jackson Diehl completed 13 of 29 passes for 190 yards.

Palmer Barnett had four catches for 75 yards. Nick Sebro caught four passes for 73.

La Jolla rushed just 21 times for 77 yards.

Scripps Ranch rushed 26 times for 61 yards, including a loss of 27 yards on a bad punt snap.

Scripps Ranch scored first when Matthew Ringenbach broke through and blocked a La Jolla punt. The ball rolled out of the end zone for a safety.

On its fourth drive, La Jolla finally got its offense going, with Diehl leading a 35-yard drive after a short Scripps Ranch punt.

Diehl hit his brother Carson for 18 yards, then Hank Hansen made a diving catch in the end zone for a 14-yard TD with 7:38 left in the half.

The Vikings forced another Scripps Ranch punt and Jackson Diehl hit Hansen for a gain of 24 and Kai Fukuda for 12 before the drive stalled and Evan Martin came on and hit a 27-yard field goal.

Scripps Ranch put together its best drive of the half on its next series, going from its 20 to the La Jolla 23 before time ran out in the half.

La Jolla 17, Scripps Ranch 15

Scripps Ranch 2 0 0 13 – 15

La Jolla 0 10 0 7 - 17

SR – Ringenbach blocked punt out end zone

LJ – Hansen 14 pass from Diehl (Martin kick)

LJ – FG Hansen 27

LJ – Hansen 32 pass from Diehl (Martin kick)

SR – Martin 99 kickoff return (Melzter kick)

SR – Ariaudo recovered fumble in end zone (run failed)