Residential flood

Source ledger

25 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

1. [1]

   Best California Earthquake Insurance Providers - Top Rated Companies | CEA(opens the original record on California Earthquake Authority)

   California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: The participating insurer list changes as insurers join or leave; re-check before relying on it.ID cea-participating-insurers

   What this source supports (3)

   • The page states: California Earthquake Authority (CEA) offers earthquake insurance policies exclusively through the residential insurance companies listed below.
   • The page carries the H1 heading Our Insurance Partners and lists individual residential insurance companies to contact for a CEA quote or to buy a CEA earthquake insurance policy.
   • The page does not state a total number of participating insurers.

   Active
2. [2]

   California Mobilehome and Manufactured Home Earthquake Insurance Policies(opens the original record on California Earthquake Authority)

   California Earthquake AuthoritySecondaryPrimaryJurisdiction CALast checked August 31, 2026Updates: as-revised-by-programID cea-mobilehome-policy

   What this source supports (8)

   • The page states that CEA works with residential insurance companies and that a CEA earthquake policy is available to Californians whose home is insured by one of those participating companies, which is the companion residential policy condition.
   • The page describes a separate CEA mobilehome and manufactured home earthquake policy distinct from the homeowners policy.
   • The page lists mobilehome (dwelling), personal property, and loss of use as coverages under the mobilehome policy.
   • The page states that Building Code Upgrade coverage of $10,000 is included automatically.
   • The page states that the first $1,500 of Emergency Repairs carries no deductible.
   • The page lists deductible choices of 5, 10, 15, 20 and 25 percent.
   • The page states that Loss of Use carries no deductible.
   • Under a Building Code Upgrade heading, the page states that a $10,000 building code upgrade coverage is included with every CEA homeowner policy; the page does not state that this coverage is part of the mobilehome and manufactured home policy.

   Active
3. [3]

   California Earthquake Authority home page(opens the original record on California Earthquake Authority)

   California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: Continuously maintained CEA home page.ID cea-home

   What this source supports (3)

   • CEA presents earthquake insurance in four residential categories: homeowners, condo unit owners, mobilehome and manufactured homeowners, and renters.
   • The page states: Since 1996, CEA has been encouraging California homeowners, mobilehome owners, condo-unit owners and renters to reduce their risk of earthquake damage and loss through education, mitigation and insurance.
   • The home page displays no telephone number and displays the 400 Capitol Mall, Suite 1200, Sacramento, CA 95814 address in its footer.

   Active
4. [4]

   California Insurance Code Section 10089.6 (creation of the California Earthquake Authority)(opens the original record on California Legislative Information (California Legislature))

   California Legislative Information (California Legislature)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Changes only by legislative amendment.ID ca-ins-code-10089-point-6

   What this source supports (7)

   • Section 10089.6(a)(1) provides that there is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.7 under the authority of the commissioner, and overseen by the California Catastrophe Response Council solely with regard to administrative or support services the authority may provide to or for the benefit of the Wildfire Fund or the Wildfire Fund Administrator, with all other businesses or activities of the authority governed solely by the board.
   • Section 10089.6(a)(1) provides that the authority shall be authorized to transact insurance in this state as necessary to sell policies of basic residential earthquake insurance in the manner set forth in Sections 10089.26, 10089.27, and 10089.28, and that the authority shall have no authority to transact any other type of insurance business.
   • Section 10089.6(b)(2) provides that the rights, obligations, and duties owed by the authority to its insureds, beneficiaries of insureds, and applicants for insurance shall be the same as those owed by insurers under common law, regulations, and statutes, and that the authority shall be liable to them as an insurer is liable.
   • Section 10089.6(a)(1) begins: 'There is hereby created the California Earthquake Authority, which shall be administered and governed by the governing board described in Section 10089.7 under the authority of the commissioner and overseen by the California Catastrophe Response Council solely with regard to any administrative or support services the authority may provide to, or for the benefit of, the Wildfire Fund'. The sentence does not end at the word 'commissioner'.
   • Section 10089.6(a)(1) further provides that all other businesses or activities of the authority unrelated to the Wildfire Fund shall be governed solely by the board, and that the authority shall have the powers conferred by the chapter.
   • The section sits in CHAPTER 8.6. California Earthquake Authority [10089.5 - 10089.55], added by Stats. 1995, Ch. 944, Sec. 2.
   • This section establishes that the California Earthquake Authority exists and is state-created; it says nothing about CEA's market share.

   Active
5. [5]

   Insurance Company Profiles(opens the original record on California Department of Insurance)

   California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: Underlying company data is maintained continuously by CDI.ID cdi-company-profiles

   What this source supports (3)

   • A person can search by partial or full company name to retrieve an insurance company profile, and can alternatively search for company profiles by what kind of insurance the company is able to sell in California.
   • A CDI company profile includes location, former names of the company, agent for service of process, reference information (license status, company type, state of domicile), lines of insurance the company is authorized to transact, and complaint history.
   • CDI points users to the National Association of Insurance Commissioners' Global Receivership Information Database for receivership information from U.S. jurisdictions, and to California's Conservation and Liquidation Office for additional California information.

   Active
6. [6]

   Check out the Insurance Company(opens the original record on California Department of Insurance)

   California Department of InsuranceRegulatorSecondaryJurisdiction CALast checked August 31, 2026Updates: CDI updates its consumer pages without a published revision schedule; no revision date was shown on the page when fetched.ID cdi-check-insurance-company

   What this source supports (1)

   • CDI tells consumers to search Insurance Company Profiles to verify that an insurance company is authorized to conduct business in California, and to enter the name of the company to view the full company information.

   Fetched 2026-08-31 and added in this revision so the recommendation to verify an insurer's status is attached to a source rather than asserted. The page showed no revision date. It is cited only for the existence and purpose of the Insurance Company Profiles search, not for what any lookup result would say about any particular insurer.

   Active
7. [7]

   California Insurance Code section 10081 (mandatory offer of earthquake coverage)(opens the original record on California Legislative Information (official))

   California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended only by legislation; re-check leginfo annuallyID ca-ins-code-10081

   What this source supports (9)

   • No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter.
   • The earthquake coverage may be provided in the residential property policy itself by specific policy provision or endorsement, or in a separate policy or certificate of insurance covering earthquake alone or in combination with other perils.
   • The section was added by Stats. 1984, Ch. 916, Sec. 1.
   • Section 10081 reads: 'No policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of this chapter, initially renewed in this state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in this chapter.'
   • Section 10081 continues: 'That coverage may be provided in the policy of residential property insurance itself, either by specific policy provision or endorsement, or in a separate policy or certificate of insurance which specifically provides coverage for loss or damage caused by the peril of earthquake alone or in combination with other perils.'
   • The section sits in CHAPTER 8.5. Earthquake Insurance [10081 - 10089.4], added by Stats. 1984, Ch. 916, Sec. 1.
   • The 'initially renewed' clause in Section 10081 is qualified by the phrase 'with respect to policies in effect on the effective date of this chapter'; Section 10081 does not by its own terms impose an offer duty at every renewal.
   • California Insurance Code section 10081 provides that no policy of residential property insurance may be issued or delivered or, with respect to policies in effect on the effective date of the chapter, initially renewed in the state by any insurer unless the named insured is offered coverage for loss or damage caused by the peril of earthquake as provided in the chapter.
   • Section 10081 allows the earthquake offer to be satisfied by a provision or endorsement within the residential property insurance policy, or by a separate policy or certificate covering the peril of earthquake alone or together with other perils.

   Published: 1984 (added by Stats. 1984, Ch. 916, Sec. 1) Effective: not separately stated on the page beyond the 1984 enactment note

   Active
8. [8]

   California Insurance Code Section 10083 (timing and prescribed language of the earthquake offer; every-other-year re-offer)(opens the original record on California Legislative Information (official))

   California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended only by legislation; re-check leginfo annuallyID ca-ins-code-10083

   What this source supports (14)

   • The offer of earthquake coverage may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.
   • If the offer is not accepted, the insurer must offer earthquake coverage on an every other year basis in connection with any continuation, renewal, reinstatement, or policy that extends or replaces the residential property insurance policy.
   • The prescribed offer includes the statement that if the insured does not accept the offer of earthquake insurance within 30 days of the mailing of the notice, the insurance company shall presume that the insured has not accepted the offer.
   • The prescribed disclosures must be set in at least 10-point boldface type.
   • The prescribed disclosure states that the residential property insurance policy does not cover earthquake damage to the home or its contents.
   • The prescribed disclosure states that the deductible represents the amount of damage the covered property must incur before the earthquake insurance coverage begins.
   • The section became operative on January 1, 2019.
   • Section 10083(a) reads: 'The offer of coverage required by Section 10081 may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.'
   • Section 10083(a) continues: 'If the offer of coverage is mailed to the named insured or applicant, it shall be mailed to the mailing address shown on the policy of residential property insurance or on the application.'
   • Section 10083(a)(1) and (a)(2) prescribe the offer language for nonparticipating insurers and for participating insurers respectively, each requiring that the offer 'shall contain all of the following language in at least 10-point boldface type', and the prescribed language begins: 'Your residential property insurance policy does not cover earthquake damage to your home or its contents.'
   • The prescribed offer language includes fill-in items labeled '(A) Amount of Dwelling/Building Coverage Limit', '(B) Deductible', '(C) Contents Coverage Limit', '(D) Additional Living Expenses Coverage Limit', and '(E) Estimated Annual Premium'.
   • The prescribed offer language states: 'If you do not accept the offer of earthquake insurance below within 30 days of the mailing of this notice, your insurance company shall presume that you have not accepted this offer of earthquake insurance.'
   • Section 10083(b) reads: 'If the offer of earthquake coverage made pursuant to Section 10081 is not accepted, the insurer or any affiliated insurer shall be required on an every other year basis to offer earthquake coverage in connection with any continuation, renewal, or reinstatement of the policy following any lapse thereof, or with respect to any other policy that extends, changes, supersedes, or replaces the policy of residential property insurance.'
   • Section 10083(g) reads: 'This section shall become operative on January 1, 2019.' The section note reads 'Amended (as amended by Stats. 2014, Ch. 427, Sec. 2.5) by Stats. 2016, Ch. 549, Sec. 2. (AB 499) Effective January 1, 2017. Section operative January 1, 2019, by its own provisions.'

   Effective: 2019-01-01 (operative date stated on the page)

   Active
9. [9]

   Earthquake Insurance (information guide, text version)(opens the original record on California Department of Insurance)

   California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: CDI revises this guide periodically and CEA limit and deductible options change by filing; re-verify each review cycleID cdi-earthquake-insurance-guide

   What this source supports (14)

   • If you have homeowners insurance in California, your company must offer to sell you earthquake insurance, and it must offer this every other year.
   • The offer must be in writing and must tell you the amounts it covers (the limits), the deductible, and the premium.
   • You have 30 days to accept the offer, the 30-day period starts the date the company mails the offer to you, and if you do not reply you are rejecting the offer.
   • Homeowners, renters, and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides.
   • California law says that both homeowners and renters insurance must cover fire damage that is caused by or follows an earthquake.
   • You cannot buy earthquake insurance directly from CEA; you buy it from insurance companies that are members of CEA, you must have a residential property insurance policy in place in order to get a CEA earthquake policy, and you must purchase the CEA policy from the same insurance company that carries your residential policy.
   • CEA offers deductibles of 5 percent, 10 percent, 15 percent, 20 percent, and 25 percent, with two exceptions: if a home is valued at over $1 million dollars, and/or if the home was built before 1980 on a raised or other non-slab type foundation and is not verified to have been seismically retrofitted. In both these cases the lowest available deductible will be 15 percent.
   • For CEA Coverage A dwelling coverage, the limit on your earthquake insurance is the same as the limit on your homeowners insurance dwelling coverage.
   • For CEA Coverage C personal property, the limit starts at $5,000 and you can increase the limit to $25,000.
   • For CEA Coverage D additional living expenses, the limits range from $1,500 to $100,000, and this coverage never has a deductible under CEA.
   • CEA condo unit policies provide up to $100,000 for the unit owner's share of certain assessments if the association imposes an assessment for covered damage caused by an earthquake.
   • You may be able to buy building code upgrade coverage, now up to $30,000, and CEA homeowners policies include the first $1,500 for emergency repairs with no deductible.
   • As with most earthquake policies, CEA insurance does not cover landscaping, pools, fences, masonry, or separate buildings.
   • A few companies offer stand-alone policies that are not CEA policies and that can be bought without buying homeowners insurance from the same company.

   Published: 2024-04-25 Effective: not applicable; guidance page

   Active
10. [10]

    Earthquake Insurance (consumer information guide, Form 925, October 2024)(opens the original record on California Department of Insurance)

    California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: Reissued periodically by CDI; this edition is marked Form 925 - October 2024.ID cdi-earthquake-guide-925

    What this source supports (10)

    • The guide states: 'Generally, homeowners, renters and condominium insurance policies do not cover damage from natural disasters such as earthquakes, floods, and landslides.'
    • The guide states: 'Your homeowner's insurance does not cover earthquake damage.'
    • The guide states: 'California law says that both homeowners and renter's insurance must cover fire damage that is caused by or follows an earthquake. This means that fire damage is covered, whether or not you have earthquake insurance.'
    • The guide states that if you have homeowner's insurance in California your company must offer to sell you earthquake insurance every other year, that 'The offer must be in writing. It must tell you the amounts it covers (the limits), the deductible, and the premium.', and that 'You have 30 days to accept the offer. The 30-day period starts the date the company mails the offer to you. If you do not reply, you are rejecting the offer.'
    • The guide states: 'The California Earthquake Authority (CEA) provides most earthquake insurance in California.', 'You cannot purchase earthquake insurance directly from CEA. It is sold by insurance companies that are members of CEA (also known as Participating Insurers).', and 'You must purchase a CEA policy from the same insurance company that you have your residential policy with.'
    • The guide describes three main parts of the basic CEA earthquake coverage: Dwelling (Coverage A), Personal Property (Coverage C), and Additional Living Expenses (Coverage D).
    • Under the heading 'What Earthquake Insurance Does Not Cover' the guide states 'All insurance policies have exclusions.' and lists as 'Some common earthquake insurance exclusions': Fire, Land, Vehicles, Flood. The list is presented by CDI as examples, not as a complete list.
    • The guide states that with CEA insurance older homes may qualify for a discount of up to 20 percent if they have been properly retrofitted, and directs consumers to 'Use the Premium Calculator at www.earthquakeauthority.com to estimate your premium.'
    • The guide gives the CDI Consumer Assistance Hotline as 1-800-927-4357 and states that consumers may file a Request for Assistance against the insurer or the agent/broker by mail or online.
    • The footer reads 'Form 925 - October 2024'. The guide contains no statement about earthquake deductibles being a percentage of any limit, and no statement about tsunami or about obtaining flood coverage.

    Fetched 2026-08-31; WebFetch could not parse the PDF inline, so the saved file was extracted with pdftotext and read in full. publishedDate is recorded as 2024-10 rather than a specific day, because the only dating on the document itself is the 'October 2024' footer. Published: 2024-10

    Active
11. [11]

    California Insurance Code Section 10082 (content of the earthquake offer; underwriting standards)(opens the original record on California Legislative Information (Legislative Counsel of California))

    California Legislative Information (Legislative Counsel of California)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by act of the California Legislature.ID ca-ins-code-10082

    What this source supports (4)

    • Section 10082(a) reads: 'The offer required by Section 10081 shall include coverage against risk of loss or damage from the peril of earthquake, in accordance with the minimum coverages required by subdivisions (a) and (b) of Section 10089.'
    • Section 10082(b) reads: 'The earthquake coverage shall be in accordance with the insurer's rules and rating plan, provided, however, that nothing contained in this chapter shall require an insurer to issue a policy of residential property insurance except in accordance with the insurer's usual underwriting standards. However, those standards shall not permit an insurer to provide a policy of residential property insurance unless the offer of coverage required by this chapter is made.'
    • The section carries the note 'Amended by Stats. 1996, Ch. 124, Sec. 77. Effective January 1, 1997.'
    • Section 10082 contains no offer-timing language; the 60-day window is in Section 10083(a).

    URL normalized to drop the trailing period after the section number that appeared in the draft; the normalized URL resolves and was read on 2026-08-31.

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12. [12]

    California Insurance Code section 10087 (chapter definition of a policy of residential property insurance)(opens the original record on California Legislative Information (official))

    California Legislative Information (official)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: amended only by legislation; re-check leginfo annuallyID ca-ins-code-10087

    What this source supports (6)

    • The definition in this section is scoped to the earthquake insurance chapter in which it sits and does not purport to define residential property insurance for any other purpose.
    • Within that chapter, a policy of residential property insurance means a policy insuring individually owned residential structures of not more than four dwelling units, individually owned condominium units, or individually owned mobilehomes, and their contents, located in this state and used exclusively for residential purposes, or a tenant's policy insuring personal contents of a residential unit located in this state.
    • The definition does not include insurance for real property or its contents used for any commercial, industrial, or business purpose, except a structure of not more than four dwelling units rented for individual residential purposes.
    • The definition does not include policies that do not provide the perils of a standard fire policy.
    • The definition excludes policies issued on or after January 1, 2022 providing coverage for fines, penalties, restitution, or losses arising from recovery residences or substance abuse treatment facilities, subject to a carve-out for certain not-for-profit resident-managed recovery residences.
    • Proof of first-class mailing creates a conclusive presumption of delivery, as does a signed receipt for hand delivery.

    Effective: not stated on the page as a single date; subdivision addressing recovery residences applies to policies issued on or after January 1, 2022

    Active
13. [13]

    Basic Earthquake Policy - Homeowners, Form BEQ-3B (01-2026 edition), sample policy(opens the original record on California Earthquake Authority)

    California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: CEA refiles its policy forms periodically; this edition is designated 01-2026 and supersedes the 01-2019 sample previously published.ID cea-beq3b-homeowners-policy-form

    What this source supports (11)

    • Every page carries the form line 'BEQ-3B (01-2026 edition)'; the sample runs 26 pages. A notice page states 'THE LANGUAGE OF THIS POLICY HAS BEEN APPROVED BY THE CALIFORNIA INSURANCE COMMISSIONER'.
    • The AGREEMENT states: 'This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.'
    • Definition 12 defines 'Earthquake' as 'a vibration-generating rupture event caused by displacement within the earth's crust through release of strain associated with tectonic processes and includes effects such as ground shaking, liquefaction, and damaging amplification of ground motion', and ends 'Earthquake does not mean or include tsunami or volcanic eruption.'
    • Definition 11 states: 'Dwelling does not include land, whether or not beneath the residential structure or mobile home, even if required for support.'
    • LOSSES EXCLUDED Item 1 excludes 'Fire or explosion.'
    • LOSSES EXCLUDED Item 2 excludes water damage including 'Flood, precipitation (including but not limited to rain, snow, hail, or sleet), or surface water; waves, tsunami, or tidal water; rupture of a dam, levee, berm, or sea wall; overflow of a natural or man-made body of water; or spray from any of these' and water below the surface of the ground, subject to write-backs for earthquake-caused release of water from water heaters, refrigerators, or water supply pipes within the dwelling; displacement of water from an aquarium, drinking water container or dispenser, swimming pool, decorative pool, spa, or hot tub; release of water from municipal or other water supply lines or of water or sewage from sewers or drains; and precipitation entering a building through an opening in a roof or wall that is the direct result of earthquake damage.
    • LOSSES EXCLUDED Item 5 excludes 'Earth movement, settling of land, land sliding, subsidence, mudflows, or earth sinking, rising or shifting' unless it 'is induced by, and would not have occurred in the absence of, an earthquake that commences during the policy period as part of a seismic event that commences during the policy period' and 'causes loss that manifests within one year after the earthquake that caused the loss.'
    • Property Not Covered under Coverage A and Coverage B, Items 1 and 2, excludes 'Land, including land underlying the dwelling' and the cost of land stabilization, stabilization structures, and associated engineering, in each case except as provided under OTHER COVERAGES Item 3, 'Land'. OTHER COVERAGES Item 3 pays up to $10,000, as a sublimit of the combined single limit for Coverage A and Coverage B, to restore or stabilize land necessary to support the dwelling where stabilization is necessary for habitability.
    • IMPORTANT NOTICES Item 2, Companion Policy Requirement, states that during the entire policy period the insured must keep in force a companion policy providing fire insurance for the same property, issued by the same participating insurer, and that 'if no companion policy is in effect at the time of loss, this CEA policy is void and no payment will be made under this CEA policy.' The AGREEMENT Item 5 states the same requirement.
    • The DEDUCTIBLE CLAUSE states: 'The deductible amount is a percentage of the combined single limit of insurance for COVERAGE A: DWELLING and COVERAGE B: EXTENSIONS TO DWELLING.' Coverage D Loss of Use is not subject to a deductible, nor is the first $1,500 of coverage under OTHER COVERAGES Item 1, Emergency Repairs, and the deductible amount does not reduce any limit of insurance stated on the declarations.
    • IMPORTANT NOTICES Item 3 states that the policy does not have a 'guaranteed replacement cost' or 'extended replacement cost' feature and that the combined single limit for Coverage A and Coverage B is not modified by any such feature in the homeowners or other companion policy.

    Replaces the 01-2019 sample cited in the draft, which is a superseded edition. Fetched 2026-08-31; WebFetch could not parse the PDF inline, so the saved file was extracted with pdftotext and the DEFINITIONS, DEDUCTIBLE CLAUSE, IMPORTANT NOTICES, COVERAGES, OTHER COVERAGES, and LOSSES EXCLUDED sections were read directly. effectiveDate is 'unknown' because the sample states an edition designation but no filing effective date. Published: 2026-01

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14. [14]

    Homeowners Coverages and Deductibles (CEA homeowners policy)(opens the original record on California Earthquake Authority)

    California Earthquake AuthorityCarrier officialPrimaryJurisdiction CALast checked August 31, 2026Updates: changes with CEA rate and form filings; verify limit and deductible options each review cycleID cea-homeowners-coverages-deductibles

    What this source supports (11)

    • CEA offers a Standard Homeowners policy under which all coverages fall under one deductible, and a Homeowners Choice policy that provides separate deductibles for dwelling and for personal property and allows the purchase of dwelling coverage only.
    • The deductible options are 5, 10, 15, 20, or 25 percent of the Coverage A and B limit.
    • The 5 percent and 10 percent deductible options are not available for homes with a Coverage A dwelling limit greater than $1,000,000, or for dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.
    • CEA Coverage A and B must be the same as the residential homeowners policy's Coverage A dwelling limit.
    • Coverage C personal property available limits are $5,000 or $25,000, with $500 included for damage to some breakable personal property.
    • Coverage D loss of use available limits are $1,500, $10,000, $15,000, $25,000, $50,000, $75,000, and $100,000, and loss of use carries no deductible under either policy type.
    • Building code upgrade coverage is $10,000 with purchasable options of $20,000 or $30,000, and is paid once the covered dwelling damage exceeds the Coverage A and B deductible.
    • There is no deductible on the first $1,500 of emergency repairs coverage, and amounts exceeding $1,500 require meeting the Coverage A and B or Coverage C deductible.
    • CEA states that exclusions and special limits apply and that all terms and conditions of CEA insurance coverage are found in the CEA insurance-policy form.
    • CEA lists the deductible choices for its homeowners policy as 5, 10, 15, 20, or 25 percent, expressed as a percentage of the Coverage A and B limit.
    • The page states: 'The 5% and 10% deductible options are not available for homes with Coverage A dwelling limit greater than $1,000,000, or dwellings with frame construction built before 1980 that are not on a slab foundation and do not have a verified retrofit.'

    Effective: not stated on the page

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15. [15]

    Cal. Code Regs. tit. 10, section 2695.183 - Standards for Estimates of Replacement Value(opens the original record on California Code of Regulations, Title 10 (text reproduced by Cornell Legal Information Institute))

    California Code of Regulations, Title 10 (text reproduced by Cornell Legal Information Institute)Primary lawPrimaryJurisdiction CAThird-party reproductionLast checked August 31, 2026Updates: Amended only through California rulemaking; the section itself requires the sources and methods behind estimates to be kept current no less frequently than annually.ID ca-10-ccr-2695-183

    What this source supports (16)

    • California Code of Regulations Title 10 section 2695.183, titled Standards for Estimates of Replacement Value, exists; the filing note reads New section filed 12-29-2010; operative 6-27-2011 pursuant to Government Code section 11343.4(b) (Register 2010, No. 53).
    • An estimate of replacement cost must include the cost of labor, building materials and supplies; overhead and profit; the cost of demolition and debris removal; and the cost of permits and architect's plans.
    • The estimate must consider components and features of the insured structure including type of foundation, type of frame, roofing materials and type of roof, siding materials and type of siding, whether the structure is located on a slope, the square footage of the living space, geographic location of property, number of stories and any nonstandard wall heights, materials used in and generic types of interior features and finishes, age of the structure or the year it was built, and size and type of attached garage.
    • The estimate of replacement cost shall be based on an estimate of the cost to rebuild or replace the structure taking into account the cost to reconstruct the single property being evaluated, as compared to the cost to build multiple, or tract, dwellings.
    • The estimate of replacement cost shall not be based upon the resale value of the land, or upon the amount or outstanding balance of any loan.
    • The estimate of replacement cost shall not include a deduction for physical depreciation.
    • The licensee shall, no less frequently than annually, take reasonable steps to verify that the sources and methods used to generate the estimate of replacement cost are kept current.
    • Subdivision (g)(1) sets more than one clock. The licensee must provide a copy of the estimate of replacement cost to the applicant or insured at the time the estimate is communicated. In the event the estimate is communicated by telephone to an insured, the copy shall be mailed to the insured no later than three business days after the time of the telephone conversation. In the event the estimate is communicated by telephone to an applicant, the copy shall be mailed to the applicant no later than three business days after the applicant agrees to purchase the coverage.
    • Subdivision (g)(1) also carries an exception: in the event the estimate of replacement cost is communicated by a licensee to an applicant to whom the licensee determines an insurance policy shall not be issued, the licensee is not required to provide a copy of the estimate of replacement cost.
    • The re-disclosure subdivision does not apply when the update or revision to the estimate of replacement cost or the policy limit results solely from the application of an inflationary provision in a policy or an inflation factor.
    • Licensees shall maintain a record of the information supplied by the applicant or insured that is used by the licensee to generate the estimate of replacement cost, and if a policy is issued these records and copies shall be maintained for the entire term of the insurance policy or the duration of coverage, whichever terminates later in time, and for five years thereafter.
    • Under 10 CCR 2695.183(a), an estimate of replacement cost must include the expenses that would reasonably be incurred to rebuild the insured structure in its entirety, including at least the cost of labor, building materials and supplies, overhead and profit, cost of demolition and debris removal, cost of permits and architect's plans, and consideration of the components and features of the insured structure.
    • The regulation states that the estimate of replacement cost shall not be based upon the resale value of the land, or upon the amount or outstanding balance of any loan.
    • The regulation states that the estimate of replacement cost shall not include a deduction for physical depreciation.
    • The regulation requires a licensee who communicates an estimate of replacement cost to an applicant or insured in connection with an application for or renewal of a homeowners insurance policy that provides coverage on a replacement cost basis to provide a copy of the estimate to the applicant or insured at the time the estimate is communicated.
    • The reproduction states that these standards became operative June 27, 2011.

    Fetched twice on 2026-08-31. Correction from the prior draft: the retention rule is not simply the policy term plus five years. The text is the entire term of the insurance policy or the duration of coverage, whichever terminates later in time, and for five years thereafter, and that full formulation is now used. Authority caveat: Cornell LII is a faithful reproduction, not the state's own publication. The official California Code of Regulations publisher site and a mirror at carules.elaws.us were both attempted on 2026-08-31 and did not return content (blocked host and timeout respectively), so the primary-law authority level here rests on a reproduction. A reader relying on exact wording should confirm against the official CCR. Published: 2010-12-29 Effective: 2011-06-27

    ActiveReproduction
16. [16]

    Residential Insurance: Homeowners and Renters (information guide, text version)(opens the original record on California Department of Insurance)

    California Department of InsuranceRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: revised periodically by CDI; the current text version carries the revision line Form 401 Revised January 2026, so compare that line against the live page each review cycleID cdi-residential-insurance-guide

    What this source supports (49)

    • The guide describes a homeowners policy in coverage parts: Coverage A Dwelling, Coverage B Other Structures, Coverage C Personal Property, Coverage D Loss of Use, Coverage E Personal Liability, and Coverage F Medical Payments to Others.
    • Coverage B Other Structures is normally limited to 10 percent of the Coverage A limit.
    • Coverage C provides protection for the contents of the home and other personal belongings owned by the insured and other family members who live with the insured, and additional amounts of insurance may be purchased.
    • The contents limit is generally around 50 percent of the dwelling amount, and the guide states that this is a guideline only.
    • Coverage D Loss of Use is normally limited to 20 percent of Coverage A.
    • Under the heading for what is typically covered by a homeowners policy if damage is caused by, the guide lists fourteen causes of loss: fire or lightning; windstorm or hail; explosion; riot or civil commotion; aircraft; vehicles; smoke; vandalism and malicious mischief; theft; volcanic eruption; falling objects; weight of ice, snow, sleet; sudden and accidental water damage; and breakage of glass.
    • The guide lists typical exclusions: flood; earthquake; earth movement; termites; insects, rats or mice; water damage caused by seepage or leaks; losses to a house vacant for 60 days or more; mold; wear and tear or maintenance; war; insurrection; tidal wave; neglect; and nuclear hazard.
    • The guide carries the instruction to read the exclusions in the insurance contract.
    • Coverage on certain types of property especially susceptible to loss is limited: jewelry, antiques, furs, collectibles, fine arts, firearms, silverware, and money.
    • The limited coverage amounts for specific types of personal property are not separate limits in addition to the contents limit; they are included in the overall contents limit and represent the maximum paid out for that specific type of personal property.
    • The guide defines the deductible as the amount of loss that the policyholder is responsible to pay up-front before covered benefits from the insurance company are payable.
    • The guide states that if the insured can afford to take a bit more of the risk, a larger deductible may significantly reduce the premium.
    • The guide states that an actual cash value policy will not completely replace the home, that a replacement cost policy improves the chances of being able to completely rebuild, that a policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit, and that other types of replacement cost policies will pay the policy limits plus a certain percentage above those limits.
    • For renters policies, the guide states that Coverage E Personal Liability is generally subject to a minimum of $100,000 and Coverage F Medical Payments to Others is generally subject to a minimum of $1,000.
    • The guide states that the landlord does not provide insurance for the tenant's personal property.
    • The guide identifies itself on the page as Form 401, Revised January 2026.
    • The guide lists the coverages of a homeowners policy as "Coverage A - Dwelling, Coverage B - Other Structures, Coverage C - Personal Property, Coverage D - Loss of Use, Coverage E - Personal Liability, Coverage F - Medical Payments to Others."
    • The guide describes Coverage D as follows: "This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A."
    • The guide states: "After a residential policy has been in effect for sixty days, the insurance company can only cancel a policy for reasons specified by law, which include; nonpayment of premium, fraud, material misrepresentation, or physical changes in the insured property that increase any hazard insured against."
    • The guide defines material misrepresentation as "A false statement given by an applicant of any important fact that had the insurance company known the truth, it would not have insured the risk."
    • The guide states: "The condominium association generally purchases insurance for the building structure and common areas, such as corridors and walls."
    • The guide states: "Like renters insurance, condominium unit-owners insurance provides coverage for personal property, loss of use, personal liability and medical payments to others. However, it also includes coverage for damages to the interior of the unit and improvements for which the unit owner is responsible to maintain in accordance with the governing rules of the condominium association."
    • The guide states: "Loss assessment may be an important coverage for you to consider, because it covers you for certain assessments that the condominium association makes as a result of a loss."
    • The dwelling limit should be the amount it would cost to replace your home, which may have nothing to do with the purchase price or the current market value.
    • Homeowners should base the limit on the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market.
    • Under an actual cash value settlement the recovery is reduced by a fair and reasonable deduction for physical depreciation, and with a replacement cost policy the chances that you will be able to completely rebuild your home are better.
    • Insurance coverage for losses resulting from floods is generally not provided in a homeowners or renters policy.
    • When an insurer writes your homeowners coverage in California, the insurer is legally obligated to offer you earthquake coverage for an additional premium.
    • What was previously called Extended Replacement Cost Coverage is now called Limited Replacement Cost Coverage.
    • The dwelling limit should be the amount it would cost to replace the home, and this may have nothing to do with the purchase price or the current market value of the home, as homeowners insurance does not generally cover the value of the land upon which the dwelling sits.
    • When determining the amount of coverage to purchase, consumers should consider the cost of labor and materials necessary to rebuild the dwelling, not fluctuations in the real estate market.
    • Insurance companies have their own formulas for evaluating replacement cost, and because those formulas are unique to each company, different insurers may suggest or require different limits of coverage for the same dwelling.
    • In a section summarizing key legislation, this guide describes Senate Bill 1855 (2004) as changing the use of the words Extended Replacement Cost Coverage in the California Residential Property Insurance Disclosure to Limited Replacement Cost Coverage. The page states this only as a description of that 2004 bill's effect on the wording of that disclosure; it does not state that Extended Replacement Cost Coverage is generally now called Limited Replacement Cost Coverage, and it gives no rationale specific to the change of words.
    • A policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit.
    • Unless the policy has building code upgrade coverage, the insurance company may not pay for changes needed to bring the structure up to current building codes.
    • CDI advises consumers to ask their agent, broker, or insurer whether they automatically review or increase limits on a regular basis, or whether they offer an automatic inflation guard option.
    • In its actual cash value discussion this guide uses the formulation the policy limit or the fair market value of the structure, whichever is less.
    • CDI describes a homeowners policy as divided into a property section with Coverage A dwelling, Coverage B other structures, Coverage C personal property and Coverage D loss of use, and a liability section with Coverage E personal liability and Coverage F medical payments to others.
    • CDI states that Coverage A provides major property coverage protecting the house and attached structures if damaged by a covered peril.
    • CDI states that Coverage B other structures is normally limited to 10 percent of the Coverage A limit, and that Coverage D loss of use is normally limited to 20 percent of Coverage A.
    • CDI states that certain personal property categories such as jewelry and firearms are subject to special limits that cap the amount paid.
    • CDI states that an actual cash value policy will not fully replace a destroyed home because it subtracts depreciation and pays either the repair cost less wear and tear or the policy limit, whichever is less.
    • CDI states that a policy cannot be sold as a guaranteed replacement cost policy unless it will pay to completely rebuild the home regardless of the coverage limit, and that other replacement cost variants pay the policy limits plus a certain percentage above those limits.
    • CDI warns that unless the policy has building code upgrade coverage, the insurance company may not pay for changes needed to bring the structure of the home up to current building codes.
    • CDI advises reviewing the dwelling limit initially and upon renewal, discussing any modifications to the home in writing with the agent, broker, or insurer, and contacting local general contractors to ask the current price per square foot for a home similar to your own.
    • CDI advises keeping an inventory of personal property listing all items owned, the dates purchased, and the price, and offers a free Home Inventory Guide.
    • CDI states that Coverage D reimburses housing, meals and warehouse storage when a covered loss makes the home uninhabitable, and advises keeping receipts for all additional living expenses and submitting them to the company for reimbursement consideration.
    • CDI warns that if you shop by comparing prices only and not by comparing coverage, you are doing yourself a disservice.
    • CDI notes that SB 1855 (2004) requires insurers to disclose, in the California Residential Property Insurance Disclosure and on the declarations page, that the cost to rebuild your home may be different from your homeowners policy limits, and that insurers must distribute the California Residential Property Insurance Bill of Rights every other year.

    Published: 2026-01 (the page carries the line Form 401 Revised January 2026) Effective: not stated on the page

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17. [17]

    Eligibility | National Flood Insurance Program(opens the original record on FEMA, National Flood Insurance Program (FloodSmart))

    FEMA, National Flood Insurance Program (FloodSmart)RegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: FEMA updates NFIP program pages periodicallyID fema-nfip-eligibility

    What this source supports (5)

    • Most homeowners insurance does not cover flood damage, and it will not fulfill the mortgage or federal disaster assistance requirements for flood insurance.
    • You can get flood insurance from the National Flood Insurance Program if your city or town participates in the NFIP's floodplain management requirements.
    • You are required to have flood insurance if you own a home or business in a Special Flood Hazard Area and have a government-backed mortgage.
    • Some banks require flood insurance even if you do not live in a high-risk area, and the page tells readers to ask their mortgage lender about its flood insurance terms.
    • If a property has received federal disaster assistance before, flood insurance must be maintained to qualify for future disaster assistance, including FEMA disaster grants and Small Business Administration disaster loans.

    Effective: not stated on the page

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18. [18]

    Types of Flood Insurance Coverage(opens the original record on FEMA, National Flood Insurance Program (agents.floodsmart.gov))

    FEMA, National Flood Insurance Program (agents.floodsmart.gov)RegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: FEMA updates NFIP coverage limits only when Congress raises them; verify limits before quoting.ID nfip-agents-coverage

    What this source supports (4)

    • A residential building can be insured for up to 250,000 dollars.
    • A non-residential building can be insured for up to 500,000 dollars.
    • Belongings can be insured up to 100,000 dollars under a residential policy and up to 500,000 dollars under a non-residential policy.
    • Belongings are covered for their value at the time of the damage, which the page calls Actual Cost Value, not their original cost, and there is no option for full replacement value.

    Fetched on 2026-08-31 and confirmed the four caps and the contents valuation language. The page uses the phrase Actual Cost Value. Any use of the phrase actual cash value is an editorial paraphrase and must not be presented as page language. This page does not address lender requirements.

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19. [19]

    Standard Flood Insurance Policy, Dwelling Form (44 CFR part 61, appendix A(1))(opens the original record on FEMA National Flood Insurance Program, Code of Federal Regulations, text hosted by Cornell Legal Information Institute)

    FEMA National Flood Insurance Program, Code of Federal Regulations, text hosted by Cornell Legal Information InstituteSecondaryPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: FEMA amends the Standard Flood Insurance Policy by rulemaking; confirm the current codified text on eCFR or govinfo before relying on it.ID nfip-sfip-dwelling-form

    What this source supports (5)

    • The Dwelling Form defines direct physical loss by or from flood as loss or damage to insured property, directly caused by a flood, and states that there must be evidence of physical changes to the property.
    • The Dwelling Form defines actual cash value as the cost to replace an insured item of property at the time of loss, less the value of its physical depreciation.
    • The Dwelling Form applies replacement cost settlement to a single family dwelling that is the insured's principal residence when, at the time of loss, the amount of insurance in the policy that applies to the dwelling is 80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP. The two branches are stated in the alternative, so satisfying either one meets the insurance-amount condition.
    • The Dwelling Form provides separate coverages with separate limits for Building Property and Personal Property, with the limit amounts shown on the Declarations Page, and provides that separate deductibles apply to the building and personal property insured by the policy.
    • The Dwelling Form provides that the insurer will pay no more than $2,500 for any one loss to one or more of several listed kinds of personal property, including artwork, photographs, collectibles, or memorabilia, rare books, jewelry, and furs.

    Fetched 2026-08-31 and each claim read on the page. Re-fetched on 2026-08-31 to read the Loss Settlement replacement cost condition in full, because an earlier draft quoted only the 80 percent branch; the form states the insurance-amount condition in the alternative, '80 percent or more of its full replacement cost immediately before the loss, or is the maximum amount of insurance available under the NFIP', and both branches are now recorded. eCFR was tried again on 2026-08-31 for the official rendering and returned a redirect to unblock.federalregister.gov rather than the appendix, so the Cornell hosted copy remains the accessible text. authorityLevel is recorded as 'secondary' rather than 'primary-law' for that reason. This is one specific published federal form and is cited as an example that anyone can read, not as representative of private homeowners or commercial form wording.

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20. [20]

    Homeowners 3 - Special Form (HO 00 03 05 11)(opens the original record on American Family / Homesite filed copy of the ISO Homeowners 3 - Special Form, hosted by the Nevada Division of Insurance; page footers read "Insurance Services Office, Inc., 2010")

    American Family / Homesite filed copy of the ISO Homeowners 3 - Special Form, hosted by the Nevada Division of Insurance; page footers read "Insurance Services Office, Inc., 2010"Standards bodyPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: ISO revises its homeowners program periodically and a newer edition (HO 00 03 03 22) exists, so check the form number and edition date printed on your own declarations page and forms list.ID iso-ho-00-03-05-11-nv-doi

    What this source supports (10)

    • The HO 00 03 05 11 form defines "residence premises" as: a. the one-family dwelling where you reside; b. the two-, three- or four-family dwelling where you reside in at least one of the family units; or c. that part of any other building where you reside, and which is shown as the "residence premises" in the Declarations. It adds that "residence premises" also includes other structures and grounds at that location.
    • Coverage D.2 Fair Rental Value of the HO 00 03 05 11 form reads: "If a loss covered under Section I makes that part of the 'residence premises' rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in." Payment is for the shortest time required to repair or replace such premises.
    • Additional Coverage E.10 Landlord's Furnishings of the HO 00 03 05 11 form reads: "We will pay up to $2,500 for your appliances, carpeting and other household furnishings, in each apartment on the 'residence premises' regularly rented or held for rental to others by an 'insured', for loss caused by a Peril Insured Against in Coverage C, other than Theft."
    • Coverage B of the HO 00 03 05 11 form does not cover "other structures rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage."
    • Coverage C of the HO 00 03 05 11 form does not cover "property in an apartment regularly rented or held for rental to others by an 'insured', except as provided in E.10. Landlord's Furnishings", and does not cover "property rented or held for rental to others off the 'residence premises'."
    • The HO 00 03 05 11 form defines "business" to include "a trade, profession or occupation engaged in on a full-time, part-time or occasional basis" and "any other activity engaged in for money or other compensation," excepting one or more activities for which no insured receives more than $2,000 in total compensation for the 12 months before the beginning of the policy period.
    • Section II Exclusion E.2. of the HO 00 03 05 11 form states that the exclusion does not apply to the rental or holding for rental of an "insured location" (a) on an occasional basis if used only as a residence; (b) in part for use only as a residence, unless a single-family unit is intended for use by the occupying family to lodge more than two roomers or boarders; or (c) in part, as an office, school, studio or private garage.
    • The HO 00 03 05 11 form excludes vandalism and malicious mischief, and any ensuing loss caused by any intentional and wrongful act committed in the course of the vandalism or malicious mischief, "if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not considered vacant."
    • The glass or safety glazing material Additional Coverage of the HO 00 03 05 11 form does not include loss on the "residence premises" if the dwelling has been vacant for more than 60 consecutive days immediately before the loss, except where the breakage results directly from earth movement.
    • Section I Condition R. Concealment Or Fraud of the HO 00 03 05 11 form states: "We provide coverage to no 'insureds' under this policy if, whether before or after a loss, an 'insured' has: 1. Intentionally concealed or misrepresented any material fact or circumstance; 2. Engaged in fraudulent conduct; or 3. Made false statements; relating to this insurance."

    Downloaded 2026-08-31 (HTTP 200, application/pdf, about 122 KB). The fetch tool could not parse the compressed PDF streams, so the text was extracted locally with pdftotext -layout and read directly. Page 1 header reads "HOMEOWNERS / HO 00 03 05 11 / HOMEOWNERS 3 - SPECIAL FORM"; 24 pages; every page footer reads "Insurance Services Office, Inc., 2010". Every claim above was read verbatim in the extracted text. This is a carrier-filed copy hosted by a state regulator, not an ISO-published document, and a carrier's own filed edition can differ from the ISO edition. Published: 2011-05-01 Effective: 2011-05-01

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21. [21]

    Homeowners 6 - Unit-Owners Form (HO 00 06 05 11)(opens the original record on Insurance Services Office, Inc. (page footers read "Insurance Services Office, Inc., 2010"); copy hosted by the Maine Bureau of Insurance)

    Insurance Services Office, Inc. (page footers read "Insurance Services Office, Inc., 2010"); copy hosted by the Maine Bureau of InsuranceStandards bodyPrimaryJurisdiction USThird-party reproductionLast checked August 31, 2026Updates: ISO revises its homeowners program periodically and newer editions exist, so check the form number and edition date printed on your own declarations page and forms list.ID iso-ho-00-06-05-11-me-bureau

    What this source supports (3)

    • The HO 00 06 05 11 form defines "residence premises" as "the unit where you reside shown as the 'residence premises' in the Declarations."
    • Coverage D.2 Fair Rental Value of the HO 00 06 05 11 form reads: "If a loss covered under Section I makes that part of the 'residence premises' rented to others or held for rental by you not fit to live in, we cover the fair rental value of such premises less any expenses that do not continue while it is not fit to live in." Payment is for the shortest time required to repair or replace such premises.
    • Coverage A of the HO 00 06 05 11 form is headed "Coverage A - Dwelling" and covers: the alterations, appliances, fixtures and improvements which are part of the building contained within the "residence premises"; items of real property which pertain exclusively to the "residence premises"; property which is your insurance responsibility under a corporation or association of property owners agreement; and structures owned solely by you, other than the "residence premises", at the location of the "residence premises".

    Downloaded 2026-08-31 (HTTP 200, application/pdf, about 153 KB). Text extracted locally with pdftotext -layout and read directly. Page 1 header reads "HOMEOWNERS / HO 00 06 05 11 / HOMEOWNERS 6 - UNIT-OWNERS FORM"; 21 pages; page footers read "Insurance Services Office, Inc., 2010". Definition 11, Coverage A.1 and Coverage D.2 were read verbatim. An earlier draft described this as a "homeowners-family form for condominium and similar unit owners" with "a Coverage A for the unit"; that phrasing appears nowhere in the document and has been replaced with the form's own Coverage A wording. Published: 2011-05-01 Effective: 2011-05-01

    ActiveReproduction
22. [22]

    Next Steps After Acceptance: Retrofit Program Guide(opens the original record on California Residential Mitigation Program (CRMP))

    California Residential Mitigation Program (CRMP)SecondaryPrimaryJurisdiction CALast checked August 31, 2026Updates: as-revised-by-programID crmp-retrofit-next-steps

    What this source supports (5)

    • The page states that the homeowner or contractor must get the building permit after the program acceptance date.
    • The page lists, among the documents to be provided, an image of the signed building permit after the retrofit is complete and signed off.
    • The page states that the Dashboard is where the homeowner uploads pre-retrofit and post-retrofit documents and photos for review, approval, and payment.
    • The page states that the homeowner has six months from the day CRMP approval was received to schedule and complete the EBB or ESS retrofit.
    • The page treats a completed residential seismic retrofit as an event evidenced by permit and photographic documentation rather than by the homeowner's recollection.

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23. [23]

    Regulation X, 12 CFR 1024.37 - Force-placed insurance(opens the original record on Consumer Financial Protection Bureau)

    Consumer Financial Protection BureauRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by CFPB rulemaking; check the CFPB regulations page and official interpretations.ID cfpb-1024-37

    What this source supports (12)

    • Force-placed insurance means hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing such loan.
    • The definition excludes hazard insurance required by the Flood Disaster Protection Act of 1973, hazard insurance obtained by a borrower but renewed by the servicer as described in 12 CFR 1024.17(k)(1), (2), or (5), and hazard insurance obtained by a borrower but renewed by the servicer at its discretion if the borrower agrees.
    • A servicer may not assess a premium charge or fee related to force-placed insurance unless it has a reasonable basis to believe that the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.
    • A servicer must deliver or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge.
    • The reminder notice must be delivered or mailed at least 30 days after the initial written notice and at least 15 days before the force-placed insurance charge is assessed.
    • Except for charges subject to State regulation as the business of insurance and charges authorized by the Flood Disaster Protection Act of 1973, all charges related to force-placed insurance assessed to a borrower by or through the servicer must be bona fide and reasonable.
    • Before assessing a charge or fee for renewing or replacing existing force-placed insurance, a servicer must deliver or mail a written notice at least 45 days before assessing that charge or fee.
    • Regulation X defines force-placed insurance as hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing the loan.
    • A servicer may not assess a force-placed insurance premium charge or fee on a borrower unless it has a reasonable basis to believe the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.
    • A servicer must deliver to the borrower or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge or fee.
    • A servicer must deliver a reminder notice at least 15 days before assessing the charge or fee, and may not deliver it until at least 30 days after delivering or mailing the first written notice.
    • Within 15 days of receiving evidence that the borrower has had in place the required hazard insurance coverage, the servicer must cancel the force-placed insurance it purchased and refund all force-placed insurance premium charges and related fees paid by the borrower for any period of overlapping coverage.

    Fetched on 2026-08-31 and confirmed the definition and its three exclusions, the reasonable-basis condition, the 45-day initial notice, both legs of the reminder-notice timing, the 45-day renewal or replacement notice, and the limitation on charges. The definitional exclusion is phrased on the page as hazard insurance required by the Flood Disaster Protection Act of 1973. The limitation on charges carries its own two carve-outs, for charges subject to State regulation as the business of insurance and for charges authorized by the Flood Disaster Protection Act of 1973; a prior draft stated the bona fide and reasonable rule without them.

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24. [24]

    Regulation X, 12 CFR 1024.17(k)(5) - Timely payment of hazard insurance premium charges and prohibition of force placement(opens the original record on Consumer Financial Protection Bureau)

    Consumer Financial Protection BureauRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by CFPB rulemaking; check the CFPB regulations page and official interpretations.ID cfpb-1024-17-k5

    What this source supports (4)

    • Where a borrower's hazard insurance premium charges are paid from an escrow account, a servicer may not purchase force-placed insurance unless the servicer is unable to disburse funds from that escrow account to ensure that the borrower's hazard insurance premium charges are paid in a timely manner.
    • A servicer shall not be considered unable to disburse funds from the borrower's escrow account because the escrow account contains insufficient funds for paying hazard insurance premium charges.
    • A servicer is unable to disburse funds only where it has a reasonable basis to believe that the borrower's hazard insurance has been canceled or was not renewed for reasons other than nonpayment of premium charges, or where the borrower's property is vacant.
    • A small servicer as defined in 12 CFR 1026.41(e)(4) may purchase force-placed insurance where the cost to the borrower of that insurance is less than the amount the small servicer would need to disburse from the escrow account to ensure that the borrower's hazard insurance premium charges were paid in a timely manner, subject to the requirements of 12 CFR 1024.37.

    Fetched on 2026-08-31 and read paragraph (k)(5). Added during this pass because the entry described the force-placed notice sequence without the escrow branch that limits force placement in the first place. This paragraph sits in 12 CFR 1024.17, not 1024.37, and 1024.37(a) cross-references it.

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25. [25]

    California Insurance Code Section 10089 (minimum coverages in the mandatory earthquake offer)(opens the original record on California Legislative Information (Legislative Counsel of California))

    California Legislative Information (Legislative Counsel of California)Primary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended only by act of the California Legislature.ID ca-ins-code-10089

    What this source supports (7)

    • Section 10089(a)(1) requires the offer to include dwelling coverage 'not including outbuildings, appurtenant structures, swimming pools, masonry fences and walls not necessary for the structural integrity of the dwelling, walkways and patios not necessary for regular ingress or egress from the dwelling, awnings or other patio coverings, decorative or artistic features including plaster if other covering would be more cost-effective, landscaping, or masonry chimneys, provided that the policy covers replacement of a damaged masonry chimney with a nonmasonry, earthquake resistant chimney.'
    • Section 10089(a)(2) requires 'contents coverage either in an amount not less than 10 percent of the amount of the covered dwelling loss, or in an amount not less than five thousand dollars ($5,000)', and provides that the insurer elects which of the two contents coverages it will use at the time it files its rate application, after which the elected option must be offered to every policyholder who receives an offer under the chapter.
    • Section 10089(a)(3) requires 'additional living expenses of an amount no less than one thousand five hundred dollars ($1,500) to cover expenses while the residential dwelling remains uninhabitable due to physical loss or damage from the peril of earthquake.'
    • Section 10089(b), a separate subdivision from the (a) minimums, reads: 'Coverages provided in paragraphs (1) and (2) of subdivision (a) shall not contain a deductible of more than 15 percent of coverage provided for the dwelling.'
    • Section 10089(c) permits the commissioner to approve rate applications allowing an insurer to offer coverage other than the coverage specified in the section, provided at least one coverage offered meets the section's criteria.
    • Section 10089(d) permits the minimum additional living expenses coverage to be waived by the applicant or policyholder for a residential dwelling that is not owner occupied, if the insurer gives notice that the coverage is offered but may be waived and the waiver is in writing.
    • The section carries the note 'Amended by Stats. 1995, Ch. 939, Sec. 4. Effective January 1, 1996.'

    URL normalized to drop the trailing period after the section number. Full text of subdivisions (a) through (d) pulled and read on 2026-08-31. Effective: 1996-01-01

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