{"id":3602,"date":"2022-05-14T09:32:21","date_gmt":"2022-05-14T09:32:21","guid":{"rendered":"https:\/\/crowdsourcelawyers.com\/california-statutes\/?page_id=3602"},"modified":"2022-05-20T23:45:05","modified_gmt":"2022-05-20T23:45:05","slug":"california-homeowners-insurance-laws","status":"publish","type":"page","link":"https:\/\/crowdsourcelawyers.com\/california-statutes\/california-statutes\/california-homeowners-insurance-laws\/","title":{"rendered":"California Homeowners Insurance Laws"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l35o4wt3-34ad7440a2f02d0e03f31389f20c6aa9\">\n#top .av-special-heading.av-l35o4wt3-34ad7440a2f02d0e03f31389f20c6aa9{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l35o4wt3-34ad7440a2f02d0e03f31389f20c6aa9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l35o4wt3-34ad7440a2f02d0e03f31389f20c6aa9 .av-subheading{\nfont-size:22px;\n}\n<\/style>\n<div  class='av-special-heading av-l35o4wt3-34ad7440a2f02d0e03f31389f20c6aa9 av-special-heading-h1 blockquote modern-quote  avia-builder-el-0  el_before_av_hr  avia-builder-el-first '><div class='av-subheading av-subheading_above'><p>California<\/p>\n<\/div><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Insurance Code &#8211; INS \u00a7 10103.5<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-3a876428eececa9d35452247ddb053af\">\n#top .hr.hr-invisible.av-av_hr-3a876428eececa9d35452247ddb053af{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-av_hr-3a876428eececa9d35452247ddb053af hr-invisible  avia-builder-el-1  el_after_av_heading  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-av_textblock-e878f05c31dff72941bf1e49a00d9ff5 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/crowdsourcelawyers.com\/\">CrowdSourceLawyers.com<\/a><\/p>\n<\/div><\/section>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad\">\n#top .avia_search_element.av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad .av_searchform_wrapper{\nborder-color:#edae44;\nbackground-color:#edae44;\n}\n#top .avia_search_element.av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad #s.av-input-field{\ncolor:#edae44;\n}\n#top .avia_search_element.av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad .av-input-field-icon.av-search-icon{\ncolor:#edae44;\n}\n#top .avia_search_element.av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad .av-input-field-icon.av-search-icon.avia-svg-icon svg:first-child{\nfill:#edae44;\nstroke:#edae44;\n}\n#top .avia_search_element.av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad #searchsubmit{\nbackground-color:#edae44;\n}\n#top .avia_search_element.av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad .av_searchsubmit_wrapper{\nbackground-color:#edae44;\n}\n<\/style>\n<div  class='avia_search_element av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad  avia-builder-el-3  el_after_av_textblock  el_before_av_hr '><search><form action='https:\/\/crowdsourcelawyers.com\/california-statutes\/' id='searchform_element' method='get' class='' data-element_id='av-avia_sc_search-4ee94ae86cde3b232e718bb4ac84e6ad' ><div class='av_searchform_wrapper'><input type='search' value='' id='s' name='s' placeholder='Search CA statutes' aria-label='Search CA statutes' class='av-input-field ' required \/><div class='av_searchsubmit_wrapper '><input type='submit' value='Find' id='searchsubmit' class='button ' title='View results on search page' aria-label='View results on search page' \/><\/div><input type='hidden' name='numberposts' value='10' \/><input type='hidden' name='results_hide_fields' value='' \/><\/div><\/form><\/search><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-3a876428eececa9d35452247ddb053af\">\n#top .hr.hr-invisible.av-av_hr-3a876428eececa9d35452247ddb053af{\nheight:50px;\n}\n<\/style>\n<div  class='hr av-av_hr-3a876428eececa9d35452247ddb053af hr-invisible  avia-builder-el-4  el_after_avia_sc_search  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<section  class='av_textblock_section av-l35o6gsc-21df3a67b1c00aa4323c8514952b1a18 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><div class=\"row\">\n<div class=\"subsection\"><\/div>\n<div class=\"subsection\">\n<div class=\"subsection\">\n<p>(a)\u2002Every California Residential Property Insurance Disclosure shall be accompanied by a California Residential Property Insurance Bill of Rights. \u2002If the insurer provides the insured with an electronic copy of a policy, the bill of rights may also be transmitted electronically.<\/p>\n<\/div>\n<div class=\"subsection\">\n<p>(b)\u2002The California Residential Property Insurance Bill of Rights shall be plainly prepared in no less than 10-point type. \u2002The Bill of Rights shall contain the following:<\/p>\n<p>\u201cCalifornia Residential Property Insurance Bill of Rights<\/p>\n<p>A consumer is entitled to receive information regarding homeowner&#8217;s insurance. \u2002The following is a limited overview of information that your insurance company can provide:<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003The insurance company&#8217;s customer service telephone number for underwriting, rating, and claims inquiries.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003A written explanation for any cancellation or nonrenewal of your policy.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003A copy of the insurance policy.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003An explanation of how your policy limits were established.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003In the event of a claim, an itemized, written scope of loss report prepared by the insurer or its adjuster within a reasonable time period.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003In the event of a claim, a copy of the Unfair Practices Act and, if requested, a copy of the Fair Claims Settlement Practices Regulations.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003In the event of a claim, notification of a consumer&#8217;s rights with respect to the appraisal process for resolving claims disputes.<\/p>\n<p style=\"padding-left: 40px\">\u2022\u2003An offer of coverage and premium quote for earthquake coverage, if eligible.<\/p>\n<p style=\"padding-left: 40px\">A consumer is also entitled to select a licensed contractor or vendor to repair, replace, or rebuild damaged property covered by the insurance policy.<\/p>\n<p style=\"padding-left: 40px\">The information provided herein is not all inclusive and does not negate or preempt existing California law. \u2002If you have any concerns or questions, contact your agent, broker, insurance company, or the California Department of Insurance consumer information line at (800) 927-HELP (4357) or at www.insurance.ca.gov for free insurance assistance.\u201d<\/p>\n<\/div>\n<div class=\"subsection\">\n<div class=\"subsection\">\n<p>(c)(1)\u2002The bill of rights shall be distributed by all insurers licensed to sell residential property insurance in this state.<\/p>\n<\/div>\n<div class=\"subsection\">\n<p style=\"padding-left: 40px\">(2)\u2002If the insurer under a personal lines residential property insurance policy reports claims history or loss experience of insureds under those policies to an insurance-support organization, the insurer shall include the following disclosure in the California Residential Property Insurance Bill of Rights:<\/p>\n<p style=\"padding-left: 40px\">\u201cThis insurer reports claim information to one or more claims information databases. \u2002The claim information is used to furnish loss history reports to insurers. \u2002If you are interested in obtaining a report from a claims information database, you may do so by contacting:<\/p>\n<p style=\"padding-left: 40px\">(Insert the name, toll-free telephone number, and, if applicable, Internet Web site address of each claims information database to which the insurer reports the information covered by this section)\u201d<\/p>\n<\/div>\n<\/div>\n<div class=\"subsection\">\n<p>(d)\u2002This section shall become operative on July 1, 2011.<\/p>\n<\/div>\n<p><br class=\"avia-permanent-lb\" \/><br class=\"avia-permanent-lb\" \/><\/p>\n<\/div>\n<\/div>\n<hr \/>\n<p><a href=\"https:\/\/crowdsourcelawyers.com\/\">CrowdSourceLawyers.com<\/a><\/p>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":0,"parent":2019,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3602","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>California Homeowners Insurance Laws - California Statutes<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/crowdsourcelawyers.com\/california-statutes\/california-statutes\/california-homeowners-insurance-laws\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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