CA| California Department of Insurance Bulletin 2025-13 institutes a mandatory one-year moratorium, effective September 19, 2025, on the cancellation or non-renewal of residential property insurance policies in specified ZIP Codes impacted by the TCU September Complex Fire and subsequent state of emergency declaration. This action prohibits all admitted and non-admitted insurers from issuing non-renewals or cancellations based solely on wildfire risk for affected homeowners, condo owners, mobile homeowners, and renters.
Key Points:
- The moratorium applies to all residential property insurance policies in specified ZIP Codes within or adjacent to the fire perimeter identified by state authorities, protecting policyholders for one year from the emergency declaration date, with the potential for more ZIP Codes to be added if needed.
- Insurers must offer to rescind any notice of cancellation or non-renewal issued due to wildfire risk, and reinstate or renew affected policies if such notices were issued on or after the date of the emergency declaration in the designated areas.
- This requirement enforces strict compliance and applies to both admitted and non-admitted (surplus lines) insurers, with Department contact information provided for both industry and consumer inquiries.