Mandatory One Year Moratorium on Non-Renewals
Insurance Commissioner Ricardo Lara, while serving as state senator, authored Senate Bill 824 (2018). This important consumer protection law 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.
“Losing your insurance should be the last thing on someone’s mind after surviving a devastating fire,” said Commissioner Lara. “This law gives millions of Californians breathing room and hits the pause button on insurance non-renewals while people recover.”
How the moratorium works
Following a Governor declaration of a state of emergency, the Department of Insurance partners with CAL-FIRE and the Governor’s Office of Emergency Services to identify wildfire perimeters and adjacent ZIP codes within the mandatory moratorium areas. The protection from cancellation or non-renewal lasts for one year from the date of the Governor’s emergency declaration.
This one-year protection applies to all residential policyholders within the affected areas who suffer less than a total loss, including those who suffer no loss. Those who suffer a total loss have additional protections under the law.
Find out if you are protected
Commissioner Lara implemented the new law following wildfires in 2019 and 2020. His action protected more than 1 million policyholders in 2019, and nearly 2.4 million in 2020. If you live near one of these fires, find the fire name in the list below and click the link to open the Commissioner’s Bulletin for a list of included ZIP codes. If you live in one of those ZIP codes, your insurance company cannot issue a cancellation or non-renewal for wildfire risk for one year from the date of the Governor’s emergency declaration associated with the nearby fire. Below is a list of fires for which Bulletins have been issued since the passage of this new law.
If your ZIP code is included in the moratorium and you received a notice of cancellation or non-renewal for wildfire risk, you should contact your insurance company to seek a reinstatement of the policy. If your insurance company refuses, you are encouraged to contact us and file a Request for Assistance.
- October 11, 2019 Declaration (Sadderidge, Eagle, Sandalwood, Reche, & Wolf Fires)
- October 25, 2019 Declaration (Kincade and Tick Fires)
- October 27, 2019 Declaration (Getty, Hill, Old Water, 46, Hillside, Easy, Maria, Sky and Glen Cove Fires)
- August 18, 2020 Declaration (W-5 Cold Springs; Sheep; Moraine; SQF Complex; Coyote; Volcano; Moc; Flint; Dolan; Butte, Tehama, Glenn Lightning Complex; North Complex; Creek; Salt; 3-19; Woodward; Carmel; Bell; BlueJay; SHF Lightning; Red Salmon Complex; SCU Lightning Complex; Murphy; Holser; 4-8; Beach; Jones; LNU Lightning Complex; August Complex; River; CZU Lightning Complex; Hills; Whale; and Loyalton Fires)
- September 6, 2020 Declaration (Creek, El Dorado and Valley Fires)
- September 10, 2020 Declaration (Slater Fire including Devil, Schoolhouse, Shackleford and Fox Fires)
- September 25, 2020 Declaration [Bobcat; Oak; and Slater (Del Norte County) Fires]
- September 28, 2020 Declaration (Glass and Zogg Fires)
- November 18, 2020 Declaration (Mountain View Fire)