{"id":557,"date":"2021-10-19T22:34:34","date_gmt":"2021-10-19T22:34:34","guid":{"rendered":"https:\/\/sites.sandiego.edu\/cpil-blog\/?p=557"},"modified":"2021-10-19T22:35:08","modified_gmt":"2021-10-19T22:35:08","slug":"after-declaration-of-emergency-mandatory-moratorium-on-cancellations-and-non-renewals-ofresidentialpropertyinsurance","status":"publish","type":"post","link":"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/19\/after-declaration-of-emergency-mandatory-moratorium-on-cancellations-and-non-renewals-ofresidentialpropertyinsurance\/","title":{"rendered":"After Declaration of Emergency\u2014Mandatory Moratorium on Cancellations and Non-Renewals of Residential Property Insurance"},"content":{"rendered":"<h3>By Julia Zeigler<\/h3>\n<p>On September 20, 2021, Department of Insurance Commissioner Ricardo Lara issued a \u201c<a href=\"https:\/\/perma.cc\/UKA8-ZXUM\">bulletin<\/a>\u201d to announce the mandatory moratorium on cancellations and non-renewals of policies of residential property insurance. His announcement follows another year of record-breaking wildfires in California. Officials said the increased activity is being driven by hot, dry conditions, as well as by shifting jetstreams.<\/p>\n<p>The wildfires in California have caused obstacles for homeowners and renters to find and keep dwelling insurance.\u00a0 \u00a0Lara has repeatedly invoked the law imposing a one-year moratorium on policy cancellations for property in or next to major fire sites. The newest bulletin release extends the moratorium to numerous zip codes to respond to some recent fires in new geographic areas\u2014including the enormous Dixie fire and the Caldor fire in the South Lake Tahoe area.<\/p>\n<p>Lara\u2019s Bulletin states that \u201cdue to the Governor\u2019s September 7, 2021 emergency declaration, no insurer shall cancel or fail to renew a policy based on wildfire risk for one year after this date (until September 7, 2022).\u00a0 However, what are the implications for long-run home insurance coverage, particularly given the continuing danger of wildfires.\u00a0 For the Department, questions may also center on the status of a \u201cbulletin\u201d without the rulemaking required by the California Administrative Procedure Act.<\/p>\n<a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-facebook nolightbox\" data-provider=\"facebook\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Facebook\" href=\"https:\/\/www.facebook.com\/CPILUSD\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px;margin-right:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"Facebook\" title=\"Follow us on Facebook\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/facebook.png\" \/><\/a><a class=\"synved-social-button synved-social-button-follow synved-social-size-32 synved-social-resolution-single synved-social-provider-twitter nolightbox\" data-provider=\"twitter\" target=\"_blank\" rel=\"nofollow\" title=\"Follow us on Twitter\" href=\"https:\/\/twitter.com\/cpilusd\" style=\"font-size: 0px;width:32px;height:32px;margin:0;margin-bottom:5px\"><img loading=\"lazy\" decoding=\"async\" alt=\"twitter\" title=\"Follow us on Twitter\" class=\"synved-share-image synved-social-image synved-social-image-follow\" width=\"32\" height=\"32\" style=\"display: inline;width:32px;height:32px;margin: 0;padding: 0;border: none;box-shadow: none\" src=\"https:\/\/sites.sandiego.edu\/cpil-blog\/wp-content\/plugins\/social-media-feather\/synved-social\/addons\/extra-icons\/image\/social\/circle\/64x64\/twitter.png\" \/><\/a>","protected":false},"excerpt":{"rendered":"<p>By Julia Zeigler On September 20, 2021, Department of Insurance Commissioner Ricardo Lara issued a \u201cbulletin\u201d to announce the mandatory moratorium on cancellations and non-renewals of policies of residential property insurance. His announcement follows another year of record-breaking wildfires in <a class=\"more-link\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/19\/after-declaration-of-emergency-mandatory-moratorium-on-cancellations-and-non-renewals-ofresidentialpropertyinsurance\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1013,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[132877,132878],"tags":[137839,136697,132879,132937,137840,132988],"coauthors":[132864],"class_list":["post-557","post","type-post","status-publish","format-standard","hentry","category-department-of-insurance","category-major-projects-department-of-insurance","tag-bulletin","tag-commissioner-lara","tag-doi","tag-insurance","tag-moratorium","tag-wildfires"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>After Declaration of Emergency\u2014Mandatory Moratorium on Cancellations and Non-Renewals of Residential Property Insurance - Consumer Protection Policy Center - Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sites.sandiego.edu\/cpil-blog\/2021\/10\/19\/after-declaration-of-emergency-mandatory-moratorium-on-cancellations-and-non-renewals-ofresidentialpropertyinsurance\/\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:locale\" content=\"en_US\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:type\" content=\"article\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:title\" content=\"After Declaration of Emergency\u2014Mandatory Moratorium on Cancellations and Non-Renewals of Residential Property Insurance - Consumer Protection Policy Center - Blog\" class=\"yoast-seo-meta-tag\" \/>\n<meta property=\"og:description\" content=\"By Julia Zeigler On September 20, 2021, Department of Insurance Commissioner Ricardo Lara issued a \u201cbulletin\u201d to announce the mandatory moratorium on cancellations and non-renewals of policies of residential property insurance. 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