Fire Insurance Non-Renewals

Worried about losing your homeowner’s insurance due to your fire risk? Finally, some good news. The California Insurance Dept just prohibited insurance companies from not renewing policies for homeowners living in ZIP codes in or next to wildfires from one year from the date the area was declared a disaster for fires in 2018 and 2 years for fires in 2019 and later.

Cal Fire draws each fire’s perimeter and the insurance commissioner identifies which ZIP codes are covered. Check to see which zip codes have been protected by this new law after recent fires: http://www.insurance.ca.gov/0250-insurers/0300-insurers/0200-bulletins/bulletin-notices-commiss-opinion/upload/MandatoryMoratoriumOnNonRenewalsAfterRecentWildfireActivity.pdf

If you have been improperly denied renewal by your insurer, file a complaint at www.insurance.ca.gov or call 800.927.4357.

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