CA| Bulletin 2026-5 explains that, effective January 1, 2026, SB 495 amends California Insurance Code section 2051.5 to require insurers, in any loss related to a declared state of emergency, to allow policyholders at least 100 days from the date of loss—not from the emergency declaration—to submit proof of loss, and to grant one or more additional three‑month extensions for good cause when delays are beyond the insured’s control. It notes this change was driven by experiences in the 2025 Los Angeles wildfires, where the prior 60‑day standard fire policy deadline proved impractical because many insureds could not safely access their properties. The Department advises that insurers must maintain clear, accurate policy language consistent with SB 495, avoid ambiguous wording or miscalculation of deadlines, and comply with the statutory protections even if policy forms have not yet been updated, warning that noncompliance may result in administrative action.
After LA Wildfires, California Mandates Longer Proof of Loss Timelines and Good‑Cause Extensions
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