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  "title": "California Insurance Code Section 2051.5 (replacement cost measure of indemnity, actual cash value holdback, and time to collect)",
  "publisher": "California Legislative Information (official)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=2051.5",
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  "accessedDate": "2026-08-31",
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  "updateCadence": "amended by legislation, including post-wildfire bills; re-check leginfo each session",
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      "text": "Under an open policy that requires payment of the replacement cost for a loss, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lost or injured, without a deduction for physical depreciation, or the policy limit, whichever is less."
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      "text": "A time limit of less than 12 months from the date that the first payment toward the actual cash value is made shall not be placed upon an insured to collect the full replacement cost."
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      "text": "For a loss relating to a state of emergency, a time limit of less than 36 months from the date that the first payment toward the actual cash value is made shall not be placed upon the insured."
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      "text": "An insurer shall provide to a policyholder one or more additional extensions of six months for good cause where delays are beyond the insured's control."
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      "text": "For a loss relating to a state of emergency, an insurer shall not require the insured to provide proof of loss less than 100 days after the loss."
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      "text": "On and after July 1, 2026, all policy forms issued or renewed by an insurer shall comply with this section in its entirety."
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      "text": "The section states its own scope: it applies 'Under an open policy that requires payment of the replacement cost for a loss'."
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      "text": "Within that scope, the measure of indemnity is the amount that it would cost the insured to repair, rebuild, or replace the thing lost or injured, without a deduction for physical depreciation, or the policy limit, whichever is less."
    },
    {
      "claimId": "ca-ins-code-2051-5#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-2051-5#c9",
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      "text": "The insurer pays the actual cash value of the damaged property until the damaged property is repaired, rebuilt, or replaced, and once it is repaired, rebuilt, or replaced the insurer pays the difference."
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      "text": "A time limit of less than 12 months from the date that the first payment toward the actual cash value is made shall not be placed upon an insured, and a time limit of less than 36 months shall not be placed upon the insured for a loss relating to a state of emergency."
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      "text": "The insurer shall provide one or more additional extensions of six months for good cause, where the insured acting in good faith and with reasonable diligence encounters delays beyond the insured's control in approval for or reconstruction of the home or residence."
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      "kind": "Question",
      "title": "Why can two insurance policies with the same limit protect differently?",
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  "citation": {
    "text": "California Legislative Information (official). \"California Insurance Code Section 2051.5 (replacement cost measure of indemnity, actual cash value holdback, and time to collect).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=2051.5 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-2051-5, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-2051-5",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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