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Bill to require clearer nonrenewal notices and mitigation windows wins committee support after survivor testimony
Summary
SB 13 01 would force insurers to spell out why a homeowner’s policy won’t be renewed, publish underwriting guidelines and give homeowners a reasonable, documented opportunity to mitigate defects so coverage can be continued. Fire survivors testified about opaque notices and costly fixes; insurers pressed for narrower timelines and rules about inspections and reporting.
Sen. Allen introduced SB 13 01 to require insurers to provide specific, written justification when they decline to renew a homeowners policy, to disclose the underwriting standards that make a property ineligible and to offer homeowners a reasonable, documented opportunity to mitigate conditions that put a property outside underwriting guidelines.
Author and supporters said the current nonrenewal process is opaque and often leaves homeowners without a way to correct problems. Magda Molina, an Altadena homeowner who lost coverage after following insurer instructions and spending $8,000 on roof work, told the…
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