Good morning, it’s Monday, July 22nd. I’m Lynn Norris and here’s your local news from The Sacramento Bee. Today will be sunny and hot, with a high of 98. Tonight, it’ll cool off to a low of 66, with wind at 10 miles per hour. Our top story is: 2 consecutive disastrous wildfire seasons have created a budding insurance crisis for thousands of Californians who live in and around fire-prone areas.