California Code
DIVISION 2 - CLASSES OF INSURANCE
PART 1 - FIRE AND MARINE INSURANCE

CHAPTER 1 - The Marine Contract

ARTICLE 1 - Insurable Interests Peculiar to Marine Insurance

Section 1880. - 1880. The owner of a ship has in all cases...

Section 1881. - 1881. The insurable interest of the owner of a ship...

Section 1882. - 1882. Freightage, in marine insurance, signifies all the benefit derived...

Section 1883. - 1883. The owner of a ship has an insurable interest...

Section 1884. - 1884. The interest mentioned in the last section exists, in...

Section 1885. - 1885. In marine insurance, a person who has an interest...

Section 1886. - 1886. The charterer of a ship has an insurable interest...

ARTICLE 2 - Concealment and Representations Rules Peculiar to Marine Insurance

Section 1900. - 1900. In marine insurance each party is bound to communicate,...

Section 1901. - 1901. In marine insurance, information of the belief or expectation...

Section 1902. - 1902. A person insured by a contract of marine insurance...

Section 1903. - 1903. In marine insurance, concealment in respect to any of...

Section 1904. - 1904. In marine insurance, if a representation by the insured...

Section 1905. - 1905. The failure of subsequent circumstances to conform to a...

ARTICLE 3 - Implied Warranties Peculiar to Marine Insurance

Section 1920. - 1920. In every marine insurance upon a ship or involving...

Section 1921. - 1921. A ship is seaworthy when reasonably fit to perform...

Section 1922. - 1922. An implied warranty of seaworthiness is complied with if...

Section 1923. - 1923. A warranty of seaworthiness extends not only to the...

Section 1924. - 1924. Where any portion of the voyage contemplated by a...

Section 1925. - 1925. When a ship becomes unseaworthy during the voyage, an...

Section 1926. - 1926. A ship may be seaworthy for the purpose of...

Section 1927. - 1927. Where the nationality or neutrality of a ship or...

ARTICLE 4 - Effect of Course of Voyage

Section 1940. - 1940. When the voyage contemplated by marine insurance is described...

Section 1941. - 1941. If the course of sailing is not fixed by...

Section 1942. - 1942. Deviation is: (a) A departure from the course of...

Section 1943. - 1943. A deviation is proper: (a) When caused by circumstances...

Section 1944. - 1944. Every deviation not specified in the last section is...

Section 1945. - 1945. An insurer is not liable for any loss happening...

ARTICLE 5 - Loss in Marine Insurance

Section 1960. - 1960. A loss is either total or partial. (Enacted by...

Section 1961. - 1961. A total loss is either actual or constructive. (Enacted...

Section 1962. - 1962. An actual total loss is caused by: (a) A...

Section 1963. - 1963. A constructive total loss is one which gives to...

Section 1964. - 1964. An actual loss may be presumed from the continued...

Section 1965. - 1965. When a ship is prevented, at an intermediate port...

Section 1966. - 1966. In addition to the liability mentioned in section 1965,...

Section 1967. - 1967. Upon an actual total loss, the insured is entitled...

Section 1968. - 1968. Where it has been agreed that an insurance upon...

Section 1969. - 1969. When insurance is confined in its terms to an...

Section 1970. - 1970. Abandonment, in marine insurance, is the act of the...

Section 1971. - 1971. In marine insurance, after abandonment of the subject matter...

Section 1972. - 1972. An abandonment can not be either partial or conditional....

Section 1973. - 1973. An abandonment can be made only at a time...

Section 1974. - 1974. Where the information upon which an abandonment has been...

Section 1975. - 1975. Abandonment is made by giving oral or written notice...

Section 1976. - 1976. A notice of abandonment shall be explicit, and shall...

Section 1977. - 1977. An abandonment can be sustained only upon the cause...

Section 1978. - 1978. An abandonment is equivalent to a transfer to the...

Section 1979. - 1979. Whenever a marine insurer pays for a loss as...

Section 1980. - 1980. Upon an abandonment, acts done subsequent to the loss...

Section 1981. - 1981. An acceptance of an abandonment is not necessary to...

Section 1982. - 1982. The acceptance of an abandonment, whether express or implied,...

Section 1983. - 1983. An abandonment once made and accepted is irrevocable, unless...

Section 1984. - 1984. On an accepted abandonment of a ship, freightage earned...

Section 1985. - 1985. If an insurer refuses to accept a valid abandonment,...

Section 1986. - 1986. If an insured omits to abandon, he may nevertheless...

Section 1987. - 1987. (a) A valuation fraudulent in fact entitles a marine...

Section 1988. - 1988. In a case of partial loss, a marine insurer...

Section 1989. - 1989. Where profits are separately insured in marine insurance, in...

Section 1990. - 1990. In case of a valued policy of marine insurance...

Section 1991. - 1991. When profits are valued and insured by marine insurance,...

Section 1992. - 1992. In estimating a loss under an open policy of...

Section 1993. - 1993. If cargo insured against partial loss arrives at the...

Section 1994. - 1994. A marine insurer is liable for all the expense...

Section 1995. - 1995. In marine insurance, when an insured is required to...

Section 1996. - 1996. In marine insurance, where an insured has a demand...

Section 1997. - 1997. In the case of a partial loss of a...

ARTICLE 6 - Exemptions

Section 2010. - 2010. The provisions of Sections 481, 800, 801, 802, 803,...

CHAPTER 2 - The Fire Insurance Contract

ARTICLE 1 - Change of Risk

Section 2030. - 2030. An insurer is entitled to rescind a contract of...

Section 2031. - 2031. When a contract of fire insurance does not restrict...

Section 2032. - 2032. After the execution of a contract of fire insurance,...

ARTICLE 2 - Measure of Indemnity

Section 2050. - 2050. The effect of a valuation in a fire policy...

Section 2051. - 2051. (a) Under an open policy, the measure of indemnity...

Section 2051.5. - 2051.5. (a) (1) Under an open policy that requires payment...

Section 2052. - 2052. Whenever the insured desires to have a valuation named...

Section 2053. - 2053. A clause shall be inserted in such a valued...

Section 2054. - 2054. In the absence of any change increasing the risk...

Section 2055. - 2055. Except as provided by section 2056, the insurer shall...

Section 2056. - 2056. Stipulations in a valued policy concerning the repairing, rebuilding...

Section 2057. - 2057. Under a contract of fire insurance, payment to the...

Section 2058. - 2058. Notwithstanding any other provision of law, if a loss...

Section 2060. - 2060. (a) In the event of a loss under a...

Section 2061. - 2061. (a) In the event of a covered loss relating...

Section 2062. - 2062. In the event of a state of emergency, as...

ARTICLE 3 - California Standard Form Fire Insurance Policy

Section 2070. - 2070. All fire policies on subject matter in California shall...

Section 2070.1. - 2070.1. (a) Any insurer whose insured has made a claim...

Section 2071. - 2071. (a) The following is adopted as the standard form...

Section 2071.1. - 2071.1. (a) This section applies to an examination of an...

Section 2072. - 2072. The policy is not required to be used for...

Section 2073. - 2073. The policy shall be plainly printed. The type shall...

Section 2074. - 2074. Either the blanks in the standard form or those...

Section 2074.5. - 2074.5. In lieu of showing the term of coverage in...

Section 2074.6. - 2074.6. In lieu of showing the attestation clause and official...

Section 2074.7. - 2074.7. Notwithstanding the provisions of Section 2071 granting the right...

Section 2074.8. - 2074.8. Notwithstanding any of the other provisions of Sections 2071...

Section 2074.9. - 2074.9. During such time as countersignatures are not required by...

Section 2075. - 2075. By special agreement indorsed on the policy or added...

Section 2076. - 2076. The insurer may add to the standard form any...

Section 2077. - 2077. The insurer may add to the standard form, in...

Section 2078. - 2078. There may be added to the standard form, clauses...

Section 2079. - 2079. Clauses may be added to the standard form: (a)...

Section 2080. - 2080. Except as otherwise provided in this article, clauses imposing...

Section 2081. - 2081. Whenever a clause is inserted, or rider attached, affecting...

Section 2082. - 2082. Any insurers, other than corporations, issuing policies on subject...

Section 2082.5. - 2082.5. Where an insurer has no president or secretary in...

Section 2083. - 2083. It is a misdemeanor for any insurer or any...

Section 2084. - 2084. (a) After a covered loss under a policy covered...

Section 2085. - 2085. (a) (1) In the case of a declaration of...

CHAPTER 4 - General Mutual Insurers

ARTICLE 1 - General Provisions

Section 4010. - 4010. A “mutual” insurer is an insurance corporation without capital...

Section 4011. - 4011. The provisions of Section 36 shall apply to domestic...

Section 4012. - 4012. Domestic mutual insurers, incorporating or qualifying to transact any...

Section 4013. - 4013. (a) Each policyholder of a domestic mutual insurer, other...

Section 4014. - 4014. Any person, government or governmental agency, state or political...

Section 4015. - 4015. With respect to the management, records, and affairs of...

Section 4016. - 4016. Each member of a domestic mutual insurer is entitled...

Section 4016.1. - 4016.1. Notice of all meetings of members whether annual or...

Section 4016.2. - 4016.2. (a) The presence in person or by proxy of...

Section 4017. - 4017. A member shall have the right to vote in...

Section 4018. - 4018. No member’s vote upon any proposal to divest the...

Section 4019. - 4019. This chapter does not apply to a mutual insurer...

ARTICLE 2 - Directors

Section 4020. - 4020. The affairs of every domestic mutual insurer shall be...

Section 4021. - 4021. Directors shall be elected by the members of a...

Section 4022. - 4022. A director of a mutual insurer shall be a...

Section 4023. - 4023. As to an insurer operating as an authorized insurer...

ARTICLE 3 - Management and Exclusive Agency Contracts

Section 4030. - 4030. A domestic mutual insurer shall not hereafter make any...

Section 4031. - 4031. Any such contract shall provide that any such manager...

Section 4032. - 4032. The commissioner shall disapprove any such contract if he...

Section 4033. - 4033. The commissioner may, after a hearing held thereon, withdraw...

Section 4034. - 4034. The holder of any such contract described in this...

ARTICLE 4 - Loans

Section 4040. - 4040. A mutual insurer may borrow money to defray the...

Section 4042. - 4042. The issuance of any document evidencing any such loan...

Section 4044. - 4044. This section shall not apply to loans obtained by...

ARTICLE 5 - Dividends to Policyholders

Section 4050. - 4050. The directors of a domestic mutual insurer may from...

Section 4051. - 4051. A dividend otherwise proper may be payable out of...

Section 4052. - 4052. The payment of any such dividends on a workers’...

ARTICLE 6 - Nonassessable Policies

Section 4060. - 4060. A domestic mutual insurer while maintaining unimpaired surplus funds...

Section 4061. - 4061. The commissioner shall not authorize a domestic insurer to...

Section 4062. - 4062. A foreign or alien mutual insurer may issue nonassessable...

Section 4063. - 4063. The commissioner shall revoke the certificate of a domestic...

Section 4064. - 4064. During the absence of such certificate the insurer shall...

ARTICLE 7 - Insolvency

Section 4070. - 4070. Such an insurer is insolvent if its surplus becomes...

ARTICLE 8 - Applicable Insurance Laws

Section 4080. - 4080. Such an insurer shall be subject to all the...

Section 4081. - 4081. Any county mutual fire insurer, or two or more...

ARTICLE 9 - Merger, Consolidation, Reinsurance, or Transfer of Assets and Liabilities

Section 4090. - 4090. By following the procedure specified in this article, any...

Section 4091. - 4091. The plan and agreement by which any such transaction...

Section 4092. - 4092. When any such plan and agreement shall have been...

Section 4093. - 4093. If the vote is in the affirmative, a certified...

Section 4094. - 4094. Any plan of merger, consolidation, or other unification under...

Section 4095. - 4095. In the event a mutual insurer is merged, consolidated,...

Section 4096. - 4096. In the event a domestic mutual insurer is merged,...

ARTICLE 10 - Conversion of an Incorporated Medical Malpractice Mutual Insurer into an Incorporated Stock Insurer

Section 4097. - 4097. (a) A domestic incorporated medical malpractice mutual insurer, issuing...

Section 4097.01. - 4097.01. The definitions in this section apply to the following...

Section 4097.02. - 4097.02. The plan of conversion shall include appropriate proceedings for...

Section 4097.03. - 4097.03. For the conversion of a medical malpractice mutual insurer,...

Section 4097.04. - 4097.04. For the demutualization of a mutual insurer into a...

Section 4097.05. - 4097.05. A plan of conversion adopted by a medical malpractice...

Section 4097.06. - 4097.06. (a) The commissioner shall examine the plan submitted pursuant...

Section 4097.07. - 4097.07. The meeting of members prescribed by subdivision (c) of...

Section 4097.08. - 4097.08. Nothing in this article shall be deemed to prohibit...

Section 4097.09. - 4097.09. No director, officer, agent, or employee of the mutual...

Section 4097.10. - 4097.10. At any time before that plan of conversion becomes...

Section 4097.11. - 4097.11. (a) Upon consent by the commissioner to the plan...

Section 4097.12. - 4097.12. (a) Upon the effective date of a plan of...

Section 4097.13. - 4097.13. (a) Prior to, and for a period of five...

Section 4097.14. - 4097.14. Unless otherwise provided in the plan of conversion, the...

Section 4097.15. - 4097.15. (a) Notwithstanding any other provision of law and except...

Section 4097.16. - 4097.16. The offer or sale of securities, including any debt...

Section 4097.17. - 4097.17. The commissioner shall have the authority from time to...

Section 4097.18. - 4097.18. Upon completion of the act of conversion and issuance...

Section 4097.19. - 4097.19. (a) The amended articles of incorporation of a converted...

Section 4097.20. - 4097.20. If the name of a mutual insurer converting to...

CHAPTER 5 - County Mutual Fire Insurers

ARTICLE 1 - Formation and Organization

Section 5050. - 5050. Two hundred fifty (250) or more persons residing in...

Section 5050.1. - 5050.1. If such persons have not performed all acts and...

Section 5050.5. - 5050.5. Any county mutual fire insurer heretofore or hereafter incorporated...

Section 5051. - 5051. Upon the payment in advance of seven thousand fifty-five...

Section 5052. - 5052. The commissioner shall examine the proposed articles of incorporation....

Section 5053. - 5053. The duly executed articles of incorporation and a copy...

Section 5054. - 5054. The articles of incorporation and certificate obtained by any...

Section 5055. - 5055. The by-laws and all amendments thereto shall be filed...

Section 5056. - 5056. Such insurer shall have not less than seven, nor...

Section 5057. - 5057. The annual meeting of the members of the insurer...

Section 5058. - 5058. In the election of the first board of directors...

Section 5059. - 5059. A member may cast his votes in person or...

Section 5060. - 5060. The directors shall elect, from their own number, a...

Section 5061. - 5061. The treasurer and secretary shall give bonds to the...

Section 5062. - 5062. No incorporators or persons acting in their behalf or...

Section 5063. - 5063. No such insurer may enter into any general agency...

ARTICLE 2 - Powers

Section 5080. - 5080. Such insurer and its directors possess the usual powers,...

Section 5081. - 5081. Such insurer may accumulate such surplus as its directors...

ARTICLE 3 - Membership

Section 5090. - 5090. Any person having an insurable interest in property in...

Section 5090.2. - 5090.2. Not more than one person licensed as an insurance...

Section 5091. - 5091. Any member of such insurer may commence to withdraw...

Section 5092. - 5092. The withdrawal may be completed by paying the member’s...

Section 5093. - 5093. The insurer may cancel any policy by giving the...

Section 5094. - 5094. In case of cancellation by the insurer it shall...

ARTICLE 4 - The Policy

Section 6010. - 6010. (a) The following is adopted as the standard form...

Section 6010.5. - 6010.5. The policy is not required to be used for...

Section 6011. - 6011. Either the blanks in the standard form or those...

Section 6011.5. - 6011.5. In lieu of showing the term of coverage in...

Section 6011.6. - 6011.6. In lieu of the attestation clause and official signatures...

Section 6012. - 6012. By special agreement indorsed on the policy or added...

Section 6013. - 6013. The standard form of policy shall be plainly printed....

Section 6014. - 6014. All county mutual fire insurance policies on subject matter...

Section 6015. - 6015. The insurer may add to the policy any matter...

Section 6016. - 6016. Clauses may be added to the policy providing for...

Section 6017. - 6017. Insurers authorized to limit or eliminate their assessment liability...

Section 6017.5. - 6017.5. Insurers authorized to eliminate their assessment liability in accordance...

Section 6018. - 6018. No clause shall be inserted nor rider attached affecting...

Section 6019. - 6019. Clauses may be added to the policy: (a) Covering...

Section 6020. - 6020. Except as otherwise provided by this article, clauses may...

Section 6021. - 6021. It is a misdemeanor for any insurer or its...

ARTICLE 5 - Risks

Section 6040. - 6040. Such insurer may issue policies on dwellings, schoolhouses, churches,...

Section 6040.5. - 6040.5. Insurers authorized to eliminate their assessment liability in accordance...

Section 6041. - 6041. Insurance permitted by this chapter upon personal property owned...

Section 6042. - 6042. Policies may be executed for any time not exceeding...

Section 6043. - 6043. All members of such an insurer shall agree in...

Section 6044. - 6044. All such insurers shall classify the subject matter insured...

Section 6045. - 6045. For the purpose of this chapter: (a) “A city...

Section 6047. - 6047. Except as provided in this section, such insurer shall...

Section 6048. - 6048. Except as provided in Section 6041 such insurer shall...

Section 6049. - 6049. Such an insurer shall not assume any risks on...

Section 6050. - 6050. Where the amount of insurance in policies already written...

ARTICLE 6 - Reinsurance

Section 6070. - 6070. Any such insurer may accept reinsurance under any agreement...

Section 6071. - 6071. Any such insurer may cede reinsurance provided the amount...

Section 6072. - 6072. The restrictions imposed by this chapter upon any insurer...

ARTICLE 7 - Loss

Section 6090. - 6090. Every member of such insurer who sustains loss by...

Section 6091. - 6091. An action may be brought and maintained against any...

ARTICLE 8 - Assessments

Section 7010. - 7010. When any loss exceeds in amount the cash funds...

Section 7011. - 7011. Upon being convened for the purpose, the directors shall...

Section 7012. - 7012. When the amount of such loss does not exceed...

Section 7013. - 7013. The term of any such loan shall not be...

Section 7014. - 7014. The board of directors may at its annual meeting...

Section 7015. - 7015. (a) No assessment or assessments may be levied upon...

Section 7015.5. - 7015.5. The commissioner shall charge and collect in advance a...

Section 7016. - 7016. The secretary, whenever such an assessment is made, shall...

Section 7017. - 7017. The insurer may bring an action against any member...

Section 7018. - 7018. A director of any such insurer who wilfully refuses...

ARTICLE 9 - Reports and Statements

Section 7030. - 7030. The secretary shall prepare an annual statement, showing the...

Section 7031. - 7031. The president and secretary shall, on or before the...

ARTICLE 9.5 - Merger

Section 7040. - 7040. Notwithstanding the provisions of Section 900 of the Corporations...

Section 7041. - 7041. When any such plan and agreement shall have been...

Section 7042. - 7042. If the vote is in the affirmative a certified...

Section 7043. - 7043. After any merger made under the provisions of this...

Section 7044. - 7044. Any plan of merger under this article shall provide...

Section 7044.5. - 7044.5. Any one or more county mutual fire insurers, by...

ARTICLE 9.6 - Transformation

Section 7045. - 7045. The board of directors of any county mutual fire...

Section 7046. - 7046. After the commissioner has granted tentative approval of any...

Section 7047. - 7047. The meeting called for the purpose of transformation, shall...

Section 7048. - 7048. Such corporation shall be a continuance of the original...

Section 7049. - 7049. After the policyholders have elected such a transformation a...

ARTICLE 10 - Dissolution

Section 7050. - 7050. Any such insurer may be proceeded against and dissolved...

ARTICLE 11 - Exemptions

Section 7060. - 7060. The provisions of subdivision (f) of Section 381 and...

CHAPTER 6 - County Mutual Fire Reinsurers

ARTICLE 1 - Formation and Organization

Section 7080. - 7080. Five or more insurers, operating under Chapter 5 of...

Section 7081. - 7081. Upon payment in advance of two hundred fifty dollars...

Section 7082. - 7082. The declaration shall be signed by the president and...

Section 7083. - 7083. The articles shall be executed by each incorporator through...

Section 7084. - 7084. The commissioner shall examine the proposed articles of incorporation,...

Section 7085. - 7085. Upon filing with the Secretary of State of the...

Section 7086. - 7086. Three delegates shall be elected by each member at...

Section 7087. - 7087. The delegates shall be elected by ballot and shall...

Section 7088. - 7088. The annual meeting of the members of the reinsurer...

Section 7089. - 7089. At such meeting one director shall be elected from...

Section 7090. - 7090. In the election of the first board of directors...

Section 7091. - 7091. The directors of the reinsurer shall elect from their...

Section 7092. - 7092. The directors and all of such officers shall hold...

Section 7093. - 7093. The treasurer and secretary shall give bonds to the...

ARTICLE 2 - Powers and Duties

Section 8010. - 8010. Upon organizing under its articles of incorporation, such reinsurer...

Section 8011. - 8011. Such reinsurer and its directors shall possess such of...

ARTICLE 3 - Additional Memberships

Section 8030. - 8030. Any county mutual fire insurer in this State may...

Section 8031. - 8031. County mutual fire insurers, upon becoming members of such...

ARTICLE 4 - Risks

Section 8050. - 8050. Restrictions on risks as to “distances,” “city or town...

Section 8051. - 8051. All such reinsurers shall classify the reinsured subject matter...

Section 8052. - 8052. Such reinsurer may write reinsurance on property which is...

Section 8053. - 8053. Such reinsurer shall not at any time write reinsurance,...

ARTICLE 5 - Loss

Section 8070. - 8070. A member of such reinsurer, upon sustaining loss covered...

Section 8071. - 8071. The president and secretary shall proceed to ascertain the...

Section 8072. - 8072. If the claim is for more than five thousand...

Section 8073. - 8073. If in any case there is a failure of...

Section 8074. - 8074. If the two arbitrators thus appointed fail to agree...

Section 8075. - 8075. Such arbitrators so appointed may examine witnesses and do...

Section 8076. - 8076. The arbitrators shall make their award in writing to...

Section 8077. - 8077. The pay of each arbitrator shall be five dollars...

Section 8078. - 8078. The president and secretary of the reinsurer may secure...

ARTICLE 6 - Assessments and Coverage of Loss

Section 8090. - 8090. When the amount of any ascertained loss exceeds the...

Section 8091. - 8091. When the amount of such loss does not exceed...

Section 8092. - 8092. The term of such loan shall not be longer...

Section 8093. - 8093. The board of directors may at their annual meeting...

Section 8094. - 8094. Whenever an assessment is made, the secretary shall immediately...

Section 8095. - 8095. An action may be brought against any member of...

Section 8096. - 8096. The directors of any such reinsurer who wilfully refuse...

Section 8097. - 8097. An action may also be brought and maintained against...

ARTICLE 7 - Cancellation of Membership

Section 9010. - 9010. Any member of such reinsurer may cancel any policy...

Section 9011. - 9011. The cancellation may be accomplished only by complying with...

Section 9012. - 9012. The reinsurer may cancel or terminate any policy by...

ARTICLE 8 - Reports and Statements

Section 9030. - 9030. The secretary shall prepare an annual statement, showing the...

Section 9031. - 9031. The president and secretary shall, on or before the...

ARTICLE 9 - Dissolution

Section 9050. - 9050. Any such reinsurer may be proceeded against and dissolved...

ARTICLE 10 - Exemptions

Section 9060. - 9060. The provisions of Sections 980, 981, 982, 983, 984,...

CHAPTER 7 - Fraternal Fire Insurers

Section 9080. - 9080. Except as provided by this chapter, an association organized...

Section 9080.1. - 9080.1. On and after January 1, 1954, no association shall...

Section 9080.3. - 9080.3. Any religious organization engaged in the business of writing...

Section 9081. - 9081. Secret fraternal societies, having lodges, councils or granges in...

Section 9082. - 9082. Such association shall be formed by filing a certificate...

Section 9083. - 9083. The officers of the association shall be members of...

Section 9084. - 9084. Such an association may insure the property of its...

Section 9085. - 9085. A risk shall not be written by such association...

Section 9086. - 9086. All such associations shall classify the property insured by...

Section 9087. - 9087. No property within the corporate limits of any city...

Section 9087.5. - 9087.5. Section 9087 is not applicable to insurance covering an...

Section 9088. - 9088. Such association shall provide in its by-laws for the...

Section 9089. - 9089. Such association by and in its own name may:...

Section 9090. - 9090. Such association creates a mutual agreement of its members...

Section 9091. - 9091. Every insured shall give to the association a written...

Section 9092. - 9092. Persons insuring property with the association shall, at the...

Section 9093. - 9093. Policies of the association may be canceled by either...

Section 9094. - 9094. The secretary of each such association shall prepare an...

Section 9095. - 9095. (a) (1) An association may, if it has issued...

Section 9096. - 9096. An association certificated under this chapter is hereby declared...

Section 9097. - 9097. An association or organization certified under this chapter may...

Section 9098. - 9098. The plan and agreement by which any transaction permitted...

Section 9099. - 9099. The commissioner shall examine such plan and agreement and...

Section 9100. - 9100. When any such plan and agreement shall have been...

Section 9101. - 9101. The meeting of members at which the transaction is...

Section 9102. - 9102. If the members vote to approve the plan of...

Section 9103. - 9103. The board of directors or other governing body of...

CHAPTER 8 - Underwriters Fire Patrols

ARTICLE 1 - Scope of Chapter and Definitions

Section 10020. - 10020. As used in this chapter, an underwriters’ corps means...

Section 10021. - 10021. This chapter shall not impair or interfere with the...

Section 10022. - 10022. Any act of an underwriters’ corps shall not justify...

ARTICLE 2 - Formation and Organization

Section 10040. - 10040. Any domestic corporation of insurance underwriters, organized to discover...

ARTICLE 3 - Powers

Section 10050. - 10050. For the effective discharge of such duties, an underwriter’s...

Section 10051. - 10051. Such corporation, with its officers and corps, when going...

Section 10052. - 10052. All ordinances passed by the municipal authorities of any...

ARTICLE 4 - Meetings and Assessments

Section 10070. - 10070. In July of every year, there shall be held...

Section 10071. - 10071. Ten days’ notice of the meeting shall be inserted...

Section 10072. - 10072. At such meeting each insurer or insurance agent, doing...

Section 10073. - 10073. A majority of the whole number so represented may...

Section 10074. - 10074. The amount of expense so fixed shall not exceed...

Section 10075. - 10075. Such assessment is collectible by and in the name...

Section 10076. - 10076. In order to pay persons employed by the corporation,...

Section 10077. - 10077. Each statement shall be under oath and shall be...

Section 10078. - 10078. The secretary of such corporation shall, within the prescribed...

Section 10079. - 10079. The demand may be delivered personally at the office...

Section 10080. - 10080. The corporation may bring action to recover such penalty,...

CHAPTER 8.5 - Earthquake Insurance

Section 10081. - 10081. No policy of residential property insurance may be issued...

Section 10082. - 10082. (a) The offer required by Section 10081 shall include...

Section 10082.3. - 10082.3. Notwithstanding any other provision of law, the following provisions...

Section 10082.5. - 10082.5. (a) If an insurer subject to this chapter charges...

Section 10083. - 10083. (a) The offer of coverage required by Section 10081...

Section 10084. - 10084. An insurer which issues or delivers a policy of...

Section 10085. - 10085. If the insurer establishes proof of mailing or delivery...

Section 10086. - 10086. (a) If an offer of earthquake coverage, made pursuant...

Section 10086.1. - 10086.1. (a) Where the offer of earthquake coverage has not...

Section 10086.5. - 10086.5. (a) The Legislature hereby finds and declares that the...

Section 10087. - 10087. (a) (1) As used in this chapter, “policy of...

Section 10087.5. - 10087.5. (a) Every policy of residential property insurance which provides...

Section 10088. - 10088. Notwithstanding the provisions of Section 530, 532, or any...

Section 10088.5. - 10088.5. Notwithstanding Section 2081, nothing in Section 10088 exempts an...

Section 10089. - 10089. (a) At a minimum, an offer of coverage of...

Section 10089.1. - 10089.1. To the extent that the coverage is not already...

Section 10089.2. - 10089.2. (a) (1) Subject to the approval of the commissioner,...

Section 10089.3. - 10089.3. (a) The department shall adopt regulations setting forth standards...

Section 10089.4. - 10089.4. (a) No person may use a geographically based earthquake...

CHAPTER 8.6 - California Earthquake Authority

Section 10089.5. - 10089.5. As used in this chapter: (a) “Authority” means the...

Section 10089.6. - 10089.6. (a) (1) There is hereby created the California Earthquake...

Section 10089.7. - 10089.7. (a) The authority shall be governed by a three-member...

Section 10089.8. - 10089.8. (a) The authority shall operate pursuant to a written...

Section 10089.9. - 10089.9. (a) Upon commencement of participation in the authority, each...

Section 10089.10. - 10089.10. To expand the capacity of the authority and achieve...

Section 10089.11. - 10089.11. (a) The commissioner shall adopt regulations to implement the...

Section 10089.12. - 10089.12. The commissioner shall have full power and authority to...

Section 10089.13. - 10089.13. (a) One year following its commencement of operations, and...

Section 10089.14. - 10089.14. (a) The authority shall not issue any earthquake policy...

Section 10089.15. - 10089.15. (a) Initial operating capital shall be contributed by insurance...

Section 10089.16. - 10089.16. (a) On application to the board, payment of any...

Section 10089.17. - 10089.17. Notwithstanding subdivision (h) of Section 10089.7, the authority shall...

Section 10089.19. - 10089.19. (a) Participating insurers that want to withdraw from the...

Section 10089.20. - 10089.20. The authority shall renew any policy of basic residential...

Section 10089.21. - 10089.21. The authority is a public instrumentality of the State...

Section 10089.22. - 10089.22. (a) The authority shall be continued in existence for...

Section 10089.23. - 10089.23. (a) (1) If at any time following the payment...

Section 10089.24. - 10089.24. (a) Notwithstanding any other provision of this chapter, the...

Section 10089.25. - 10089.25. Beginning December 31, 1997, and annually thereafter on the...

Section 10089.26. - 10089.26. (a) The authority shall issue policies of basic residential...

Section 10089.27. - 10089.27. (a) Every participating insurer that has in-force residential earthquake...

Section 10089.28. - 10089.28. (a) All policies of residential earthquake insurance provided by...

Section 10089.29. - 10089.29. (a) (1) Notwithstanding the prior approval requirement of Section...

Section 10089.30. - 10089.30. If claims and claim expenses paid by the authority...

Section 10089.31. - 10089.31. If claims and claim expenses paid by the authority...

Section 10089.32. - 10089.32. The authority shall endeavor at all times to make...

Section 10089.33. - 10089.33. (a) If the average daily balance of the authority’s...

Section 10089.34. - 10089.34. (a) (1) The policies issued by the authority shall...

Section 10089.35. - 10089.35. (a) If at any time the board determines that...

Section 10089.36. - 10089.36. In the event a natural disaster program is enacted...

Section 10089.37. - 10089.37. The board shall set aside in each calendar year...

Section 10089.38. - 10089.38. Upon the development and implementation of an economical system...

Section 10089.39. - 10089.39. (a) The operational rules of the Earthquake Loss Mitigation...

Section 10089.395. - 10089.395. (a) The Legislature finds and declares that there exists...

Section 10089.396. - 10089.396. (a) In administering the Earthquake Brace and Bolt program...

Section 10089.397. - 10089.397. (a) The Legislature finds and declares that there exists...

Section 10089.40. - 10089.40. (a) Rates established by the authority shall be actuarially...

Section 10089.41. - 10089.41. (a) The offer of an authority policy by a...

Section 10089.42. - 10089.42. (a) At least once each year a participating insurer...

Section 10089.43. - 10089.43. Upon termination of the authority by the Legislature, its...

Section 10089.44. - 10089.44. Notwithstanding any other provision of law, premiums collected by...

Section 10089.46. - 10089.46. Bonds issued under this chapter shall not be a...

Section 10089.47. - 10089.47. Bonds issued by the authority are legal investments for...

Section 10089.48. - 10089.48. Interest earned on any bonds issued by the authority...

Section 10089.49. - 10089.49. The state hereby pledges to and agrees with the...

Section 10089.50. - 10089.50. The Treasurer may from time to time enter into...

Section 10089.51. - 10089.51. The authority shall have the power to pledge to...

Section 10089.52. - 10089.52. Nothing in Section 10089.50 or 10089.51 is intended to...

Section 10089.53. - 10089.53. (a) Any insurer that withdraws from the authority under...

Section 10089.54. - 10089.54. (a) Unless authorized by a statute enacted subsequent to...

Section 10089.55. - 10089.55. The board shall conduct the affairs of the authority...

CHAPTER 8.9 - Insurance Mediation

Section 10089.70. - 10089.70. (a) The department shall establish a program for the...

Section 10089.71. - 10089.71. Any insured having a dispute with an insurer under...

Section 10089.72. - 10089.72. (a) If, after the department’s intervention, the insurer and...

Section 10089.73. - 10089.73. If the dispute is not resolved within the time...

Section 10089.74. - 10089.74. (a) If the insurer notifies the department of the...

Section 10089.75. - 10089.75. (a) Any insurer may inform an insured who has...

Section 10089.76. - 10089.76. Upon referral of a complaint to mediation, the department...

Section 10089.77. - 10089.77. The department shall contract with a diverse pool of...

Section 10089.78. - 10089.78. Upon receipt of a complaint, the mediation service, to...

Section 10089.79. - 10089.79. (a) The costs of mediation shall be reasonable, and...

Section 10089.80. - 10089.80. (a) The representatives of the insurer shall know the...

Section 10089.81. - 10089.81. All parties to the mediation proceeding shall negotiate in...

Section 10089.82. - 10089.82. (a) An insured may not be required to use...

Section 10089.83. - 10089.83. (a) On or before August 1 of each year...

CHAPTER 9 - Basic Property Insurance Inspection and Placement Plan

Section 10090. - 10090. The purposes of this chapter are to do all...

Section 10091. - 10091. Unless the provision or context otherwise requires, the following...

Section 10092. - 10092. This chapter shall not apply to county mutual fire...

Section 10093. - 10093. (a) Any person having an insurable interest in real...

Section 10094. - 10094. (a) Within 30 days after the effective date of...

Section 10094.2. - 10094.2. (a) Notwithstanding subdivision (c) of Section 10095, the facility...

Section 10094.5. - 10094.5. Within 90 days following the effective date of this...

Section 10095. - 10095. (a) Within 30 days following the effective date of...

Section 10095.5. - 10095.5. (a) The association shall establish and maintain an Internet...

Section 10095.7. - 10095.7. (a) The commissioner shall establish the California Home Insurance...

Section 10096. - 10096. (1) Any applicant or affected insurer shall have the...

Section 10097. - 10097. There shall be no liability on the part of,...

Section 10098. - 10098. Acceptance of risks assigned under this chapter and performance...

Section 10099. - 10099. In addition to any powers conferred upon him by...

Section 10100. - 10100. The commissioner may require such reports from insurers concerning...

Section 10100.1. - 10100.1. The facility, subject to the approval of the Insurance...

Section 10100.2. - 10100.2. (a) (1) Rates for the FAIR Plan shall not...

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