As of January 1, 2026, several new laws provide additional safety nets for homeowners:
- Extended Non-Renewal Notice: New legislation (SB 1301) requires insurers to provide six months’ notice before non-renewing a policy, giving you more time to find a replacement or make required repairs.
- Claim Payout Speed: New laws have modernized the claims process to ensure faster payouts for wildfire survivors and granted consumers at least 100 days to provide proof of loss following a declared emergency.
- Moratorium Protections: The existing protection that prevents insurers from canceling policies in zip codes adjacent to recent wildfires has been strengthened and broadened.