After the Governor declares a state of emergency due to a wildfire, how long is an insurer prohibited from non-renewing residential property policies in the affected ZIP codes?
a.60 days from the date of the declaration
b.2 years from the date of the declaration
c.1 year from the date of the declaration
d.6 months from the date the fire is contained
Explanation
Cal. Ins. Code §675.1, strengthened by SB 824 (2018), imposes a one-year moratorium on non-renewal of residential property policies in ZIP codes within or adjacent to a wildfire disaster area following a gubernatorial state-of-emergency declaration. The moratorium runs from the date the emergency is declared, not from containment.
Law Reference: Cal. Ins. Code §675.1This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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