180 Day Playbook to California Wildfire Regulation Compliance

Carriers will be required to refile their rating plans within a very tight compliance window.

Three leading challenges to complying with the new regulations:

How do you get started towards compliance?

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The California Department of Insurance is significantly changing how wildfire risk is insured in the state.

California Mitigation in Rating Plans and Wildfire Risk Models 

Where to Start?


Carriers must incorporate twelve new property-specific factors into their rating plan.


Carriers must contract new vendors, implement new data sources, create new customer communications summarizing complex risk assessments including the impact of mitigation on their rates, and establish a new appeals process.


Rating plans will need to incorporate new mandatory factors and be submitted to the Commissioner within 180 days. In short, carriers have to demonstrate their rate table reflects property-specific risk factors and accounts for mitigation efforts.