Commissioner Lara protects thousands of Californians in Mono and Inyo counties from non-renewals following Pack Fire
December 18, 2025 - Insurance Commissioner Ricardo Lara has ordered insurance companies to preserve residential property insurance coverage for more than 14,800 policyholders impacted by the Pack Fire following the Governor’s emergency declaration issued on December 9.
The Commissioner’s Bulletin shields those living within the perimeters or adjoining ZIP Codes of the wildfire from insurance non-renewal or cancellation for one year from the date of the Governor’s emergency declaration regardless of whether they suffered a loss.
“I am acting to protect Sierra foothill residents who have already been through a lot,” said Commissioner Lara. “No one should have to worry about losing their insurance coverage after experiencing a wildfire emergency. These protections are critical as we work to restore insurance options statewide for those who need them most.”
This action is authorized under California’s residential insurance moratorium law, which Commissioner Lara authored while serving in the California State Senate. Since 2019, wildfire insurance moratoriums have protected more than 4 million homeowners statewide.
What Consumers Should Know
- If your policy is covered by this moratorium, your insurer cannot cancel or non-renew your residential property insurance for one year from the date of the Governor’s emergency declaration.
- Homeowners who were non-renewed before the emergency declaration, cannot find coverage, or are unsatisfied with their current insurance options are encouraged to contact the California Department of Insurance (CDI) for assistance.
The Department can help consumers understand their rights, explore coverage options, and access available tools and resources. For help or more information, consumers should contact the California Department of Insurance Consumer Hotline at 800-927-4357 or visit us online www.insurance.ca.gov.
Led by Insurance Commissioner Ricardo Lara, the California Department of Insurance is the consumer protection agency for the nation's largest insurance marketplace and safeguards all of the state’s consumers by fairly regulating the insurance industry. Under the Commissioner’s direction, the Department uses its authority to protect Californians from insurance rates that are excessive, inadequate, or unfairly discriminatory, oversee insurer solvency to pay claims, set standards for agents and broker licensing, perform market conduct reviews of insurance companies, resolve consumer complaints, and investigate and prosecute insurance fraud. Consumers are urged to call 1-800-927-4357 with any questions or contact us at www.insurance.ca.gov via webform or online chat. Non-media inquiries should be directed to the Consumer Hotline at 800-927-4357. Teletypewriter (TTY), please dial 800-482-4833.
