California Insurance Code

§ 675.55

INS § 675.55 Effective Jan 1, 2026Div. 1 · Part 1 · Ch. 11

Statute text

(a)(1) An insurer shall not cancel or refuse to renew a policy of commercial property insurance for a property located in any ZIP Code within or adjacent to the fire perimeter, for one year after the declaration of a state of emergency, as defined in Section 8558 of the Government Code, based solely on the fact that the insured structure is located in an area in which a wildfire has occurred. This prohibition applies to all policies of commercial property insurance in effect at the time of the declared emergency.

(2)For the purposes of this section, the fire perimeter shall be determined by the Department of Forestry and Fire Protection in consultation with the Office of Emergency Services. The department shall provide the commissioner with data describing the fire perimeter sufficient for the commissioner to determine which ZIP Codes are within or adjacent to the fire perimeter. The commissioner shall then issue a bulletin to inform insurers which ZIP Codes are subject to this subdivision.

(b)Subdivision (a) does not apply in any of the following circumstances:

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Legislative history

Added by Stats. 2025, Ch. 544, Sec. 1. (SB 547) Effective January 1, 2026.