Description: Senate Bill 824 (2018) requires a mandatory one-year moratorium on insurance companies cancelling or non-renewing residential insurance policies in certain areas within or adjacent to a fire perimeter after a declared state of emergency is issued by the Governor. https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm9/8/22 declaration for the Mosquito Fire (and others in California)https://www.insurance.ca.gov/0250-insurers/0300-insurers/0200-bulletins/bulletin-notices-commiss-opinion/upload/Bulletin-2022-13.pdf Mosquito Fire ZIP codes covered: 95603, 95614, 95631, 95633, 95634, 95635, 95667, 95701, 95709, 95713, 95714, 95715, 95717, 95724, 95726, 96141, 96145, 96146If you receive a Notice of Cancellation or Non-Renewal after a declared state of emergency:If you received a notice of cancellation or non-renewal after the declared state of emergency that relates to the fire associated with your Zip Code, and the reason for the cancellation or non-renewal relates to wildfire risk, you should: Contact your insurance company to seek a reinstatement of the policy. If your insurer refuses, you are encouraged to contact us and file a Request for Assistance at http://www.insurance.ca.gov/01-consumers/101-help/index.cfm.-----------------------------------As enacted by Senate Bill 824 (Lara, Chapter 616, Statutes of 2018), Insurance Code section 675.1, subdivision (b)(1) provides:An insurer shall not cancel or refuse to renew a policy of residential property insurance for a property located in any ZIP Code within or adjacent to the fire perimeter, for one year after the declaration of a state of emergency as defined in Section 8558 of the Government Code, based solely on the fact that the insured structure is located in an area in which a wildfire has occurred. This prohibition applies to all policies of residential property insurance in effect at the time of the declared emergency.
Get Live Help!