California Insurance Code CHAPTER 8.5 - Earthquake Insurance

• Section 10081.
  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,...
• Section 10082.
  (a) 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...
• Section 10082.3.
  Notwithstanding any other provision of law, the following provisions regarding loss requirements, appraisals, and adjusters shall apply to the following types of policies originated or...
• Section 10082.5.
  (a) If an insurer subject to this chapter charges an additional earthquake insurance premium or deductible because a dwelling fails to comply with paragraph (1), (2),...
• Section 10083.
  (a) 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...
• Section 10083.a.
  (a) 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...
• Section 10084.
  An insurer which issues or delivers a policy of residential property insurance in this state may comply with the provisions of Section 10081 in any...
• Section 10085.
  If the insurer establishes proof of mailing or delivery of the required offer and the offer of earthquake coverage is not accepted by the named...
• Section 10086.
  (a) If an offer of earthquake coverage, made pursuant to Section 10081, is accepted, the coverage shall be continued at the applicable rates and conditions for...
• Section 10086.1.
  (a) Where the offer of earthquake coverage has not been accepted, the insurer shall notify the named insured that the policy does not provide that coverage....
• Section 10086.5.
  (a) The Legislature hereby finds and declares that the continued regulation of the business practices of insurers and their products is in the interest of the...
• Section 10087.
  (a) As used in this chapter, “policy of residential property insurance” shall mean a policy insuring individually owned residential structures of not more than four dwelling...
• Section 10087.a.
  (a) As used in this chapter “policy of residential property insurance” shall mean a policy insuring individually owned residential structures of not more than four dwelling...
• Section 10087.5.
  (a) Every policy of residential property insurance which provides coverage for loss or damage to a structure from the peril of earthquake, but that provides for...
• Section 10088.
  Notwithstanding the provisions of Section 530, 532, or any other provision of law, and in the absence of an endorsement or an additional policy provision...
• Section 10088.5.
  Notwithstanding Section 2081, nothing in Section 10088 exempts an insurer from its obligation under a fire insurance policy to cover the losses of a fire...
• Section 10089.
  (a) At a minimum, an offer of coverage of loss or damage caused by the peril of earthquake pursuant to Section 10081 shall include the following...
• Section 10089.1.
  To the extent that the coverage is not already provided in the minimum offer of coverage, every insurer shall offer the following optional coverage as...
• Section 10089.2.
  (a) (1) Subject to the approval of the commissioner, every insurer subject to this chapter shall, at the time of offering to issue or offer to renew...
• Section 10089.3.
  (a) The department shall adopt regulations setting forth standards governing the training of insurance adjusters in evaluating damage caused by earthquakes. For purposes of this section,...
• Section 10089.4.
  (a) No person may use a geographically based earthquake assessment system or program for the purpose of requiring earthquake insurance, or imposing a fee or any...

Last modified: October 22, 2018