CSAC Bulletin Article

Insurance Commissioner Lara Expands Zip Codes for Non-renewal Moratorium

January 9, 2020

In December, Insurance Commissioner Ricardo Lara announced that more zip codes are eligible for protection from insurance non-renewals. The California Department of Insurance (CDI) released an updated bulletin to insurance companies specifying additional ZIP codes adjacent to recent wildfires in parts of San Bernardino and Riverside counties, including the mountain communities of Big Bear and Lake Arrowhead, as well as parts of Contra Costa, Solano and Ventura counties.

The mandatory one-year non-renewal moratorium covers residential policies in ZIP codes adjacent to recent wildfire disasters under the newly enacted Senate Bill 824 (Lara, Chapter 616, Statutes of 2018), also known as the “Wildfire Safety and Recovery Act.” Existing law prevented non-renewals for those who suffer a total loss, the new law establishes protection for those living adjacent to a declared wildfire emergency who did not suffer a total loss—recognizing the disruption that non-renewals cause in communities following wildfire disasters. The addition of these zip codes brings protection to 1 million homes across California.

The Commissioner first announced the moratorium continuation on December 5th in the Oakland Hills with the support of Sonoma County Supervisor James Gore, CSAC’s First Vice President, and Ventura County Supervisor Kelly Long.

To find out if zip codes in your community are impacted by the Commissioner’s order please visit the CDI website.

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