Insurance Model Advisor and Pre-Application Required Information Determination Procedure

In a significant move to protect California consumers and address the pressing challenges posed by climate change, Insurance Commissioner Ricardo Lara has unveiled the state's Sustainable Insurance Strategy. This ambitious strategy is aimed at safeguarding the overall health of the insurance market, comprised of consumers, homeowners and business owners, while ensuring long-term sustainability. California's Sustainable Insurance Strategy represents a proactive and comprehensive approach to safeguarding the interests of Californians in the face of climate change challenges, fostering a sustainable insurance market that will benefit consumers and businesses across the state.

• Catastrophe modeling is one component of the Sustainable Insurance Strategy, and the Department finalized new regulations on catastrophe models in December 2024. This Web Page contains information on the Pre-Application Required Information Determination Procedure (PRID).
• Petitions for the Pre-Application Required Information Determination Procedure (PRID) will be accepted starting January 2, 2025.
• Petitions to initiate a Pre-Application Required Information Determination (PRID) Procedure, responses to petitions to initiate a PRID procedure, and petitions to participate in a PRID procedure, should be sent to: CDImodeladvisor@insurance.ca.gov.

For additional information please see: PRID procedure Q&A or the adopted regulatory text.

Public Notices

Karen Clark & Company

• Petition for PRID initiation and participation (January 15, 2025)
• Letter Ruling on Petition for PRID initiation (Noticed February 4th, 2025)
• The window for participation petitions for this PRID is now closed.

• Decisions on petitions for participation in the PRID procedure

  • Letter Granting Petition to Participate_Karen Clark & Company_Stanford Climate and Energy Policy Program
  • PRID Petition to Participate_Karen Clark & Company_Stanford Climate and Energy Policy Program
  • Letter Granting Petition to Participate_Karen Clark & Company_California Fire Safe Council
  • PRID Petition to Participate_Karen Clark & Company_California Fire Safe Council
• PRID procedure will be initiated on February 27th, 2025

CoreLogic

• Petition for PRID initiation and participation (January 13, 2025)
• Letter Ruling on Petition for PRID initiation (Noticed January 31st, 2025)
• The window for participation petitions for this PRID is now closed.

• Decisions on petitions for participation in the PRID procedure

  • Letter Granting Petition to Participate_CoreLogic_Stanford Climate and Energy Policy Program
  • PRID Petition to Participate_CoreLogic_Stanford Climate and Energy Policy Program
  • Letter Granting Petition to Participate_CoreLogic_Lloyd Dixon
  • PRID Petition to Participate_CoreLogic_Lloyd Dixon
  • Letter Granting Petition to Participate_CoreLogic_Consumer Watchdog
  • PRID Petition to Participate_CoreLogic_Consumer Watchdog
• PRID procedure will be initiated on March 3rd, 2025
• Declination to specify PRID for Cotality U.S. Wildfire Model v.22.1 (May 30, 2025)

Moody’s

• Petition for PRID initiation and participation (January 3, 2025)
• Letter Ruling on Petition for PRID initiation (Noticed January 23, 2025)

• Decisions on petitions for participation in the PRID procedure

  • Letter Granting Petition to Participate_Moody's_Stanford Climate and Energy Policy Program
  • PRID Petition to Participate_Moody's_Stanford Climate and Energy Policy Program
  • Letter Granting Petition to Participate_Moody's_Lloyd Dixon
  • PRID Petition to Participate_Moody's_Lloyd Dixon
  • Letter Granting Petition to Participate_Moody's_Consumer Watchdog
  • PRID Petition to Participate_Moody's_Consumer Watchdog
  • PRID procedure will be initiated on February 21st, 2025

Verisk Extreme Event Solutions

• Petition for PRID initiation and participation (January 2, 2025)
• Letter Ruling on Petition for PRID initiation (Noticed January 22nd, 2025)

• Decisions on petitions for participation in the PRID procedure

  • Letter Granting Petition to Participate_Verisk_Stanford Climate and Energy Policy Program
  • PRID Petition to Participate_Verisk_Stanford Climate and Energy Policy Program
  • Letter Granting Petition to Participate_Verisk_Consumer Watchdog
  • PRID Petition to Participate_Verisk_Consumer Watchdog
  • Letter Granting Petition to Participate_Verisk_Lloyd Dixon
  • PRID Petition to Participate_Verisk_Lloyd Dixon
• PRID procedure will be initiated on February 20th, 2025

Initial Checklist for PRID Procedure

• Wildfire Catastrophe Model Checklist (PRID)

Public Webinars

• 10:00am July 11th, 2025: Wildfire Catastrophe Models Explained: The Karen Clark & Company US Wildfire Reference Model Version 3.0

• 10:00am June 20th, 2025: Wildfire Catastrophe Models Explained: Cotality (formerly CoreLogic) U.S. Wildfire Model v.22.1

• 10:00am June 6th, 2025: Wildfire Catastrophe Models Explained: The Moody's Wildfire Model for the United States

• 10:00am May 9th, 2025: Wildfire Catastrophe Models Explained: The Verisk Wildfire Model for the United States

Webinar Recordings 

• Wildfire Catastrophe Models Explained: The Karen Clark & Company US Wildfire Reference Model Version 3.0
• Wildfire Catastrophe Models Explained: Cotality (formerly CoreLogic) U.S. Wildfire Model v.22.1
• Wildfire Catastrophe Models Explained: The Moody's North America Wildfire Model Version 2.0
• Wildfire Catastrophe Models Explained: The Verisk U.S. Wildfire Model