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. Template petitions for PRID initiation and participation are included within the PRID procedure Q&A.

Determinations

• PRID notice for Moody's North America Wildfire Model Version 2.0
• PRID notice for KCC US Wildfire Reference Model Version 3.0
• PRID notice for Verisk Wildfire Model for the United States Version 4.0.0

Current Procedures

Cotality U.S. Wildfire Model V25.1

• Petition for PRID initiation and participation (November 21st, 2025)
• Letter Ruling on Petition for PRID initiation (Noticed December 9th, 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_Cotality U.S. Wildfire Model V25.1_Barnes&Co Insurance Services
• PRID Petition to Participate_Cotality U.S. Wildfire Model V25.1_Barnes&Co Insurance Services
• Letter Granting Petition to Participate_Cotality U.S. Wildfire Model V25.1_SFVFireWise
• PRID Petition to Participate_Cotality U.S. Wildfire Model V25.1_SFV FireWise Community

• PRID procedure will be initiated on January 5th, 2026

Resources for PRID Procedure

• PRID Wildfire Catastrophe Model Checklist (Updated 12/06/25)
• Previous Version(s): Wildfire Catastrophe Model Checklist (PRID)
• PRID NDA Template 

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