On February 27, 2023, the California Department of Insurance (CDI) issued its 2023 Annual Notice describing the most significant California laws pertaining to property insurance policies, including those related to a declared state of emergency.

The 2023 Annual Notice is in a new format and is available in the “Education” section of CDI’s Insurance Adjuster Requirements web page. The CDI may also issue interim updates if significant changes to the law occur during the course of this year, which will be made available on the CDI’s website.

As an important note, the Annual Notice states to consult the notice applicable to the date of the pertinent fire or other declared emergency to determine which laws were applicable at the time of the loss. Some of the laws may not pertain to prior disaster claims. Notices focused on wildfire claims can be found on the CDI’s Wildfire Resources web page. 

Link to CDI's 2023 Annual Notice