Surf Report, Insurance Rates Rise, Chargers' Offseason Woes

Tuesday January 13, 2026In today's episode, we cover the surf conditions at Tourmaline, with clean waves at four to six feet and light offshore winds. Expect fair conditions by late morning as winds turn side-shore. The best surf time is at 9 AM with a mid-tide and offshore wind. Weather remains sunny with highs near seventy-four and light north winds. Two major California insurers, CSAA and Mercury Insurance, plan rate hikes due to inflation and wildfire risks. CSAA's increase starts March 15, affecting nearly 482,000 homeowners, while Mercury's begins in July. Mekhi Becton criticizes Chargers' offensive coordinator Greg Roman after a poor playoff showing, raising questions about the team's future. The Houston Texans defeat the Pittsburgh Steelers, marking their first road playoff win. Nationally, America questions if it's hit "peak pizza" as pizzerias face competition from coffee shops and Mexican eateries. The Justice Department threatens the Federal Reserve with a criminal indictment, escalating tensions with Chair Jerome Powell. In tech news, NASA's Pandora satellite launches to enhance the James Webb Space Telescope's capabilities, aiming to study exoplanets. Zoe Saldana surpasses Scarlett Johansson as the highest-grossing movie star, with "Avatar: Fire and Ash" crossing $1.2 billion.@sunnymorningsmedia