Amended IN Assembly June 29, 2017 Amended IN Senate May 26, 2017 Amended IN Senate April 04, 2017 CALIFORNIA LEGISLATURE 20172018 REGULAR SESSION Senate Bill No. 569Introduced by Senator MonningFebruary 17, 2017 An act to add Section 2085 to the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTSB 569, as amended, Monning. Insurance: disasters: identification of insurer.Existing law generally regulates fire insurance, which includes insurance against loss by fire, lightning, windstorm, tornado, or earthquake, and establishes a standard form of fire insurance policy for the state. Existing law requires an insurer to provide an insured, free of charge, a complete, current copy of his or her fire insurance policy after a covered loss under the policy and within 30 calendar days of receipt of a request from the insured.This bill would require the Insurance Commissioner, in the case of a declaration of a disaster and at the request of an insured, or the insureds a property owner, or the owners legal representative, that is unable to identify the insurer for property located in the disaster area, to electronically provide the insureds owners name and property location information to insurers who issue fire homeowners fire insurance policies. The bill would deem that information to be provided with the voluntary written consent of the insured owner or his or her legal representative, as specified. The bill would require an insurer to respond, free of charge, to the insured or the insureds property owner or owners legal representative within 90 days after receiving that transmission if the property is covered or was previously covered by a policy issued by the insurer. the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. The bill would limit the liability of the commissioner or the commissioners authorized representatives representative, any department employees, and the insurer or the insurers employees, for statements made or conduct performed in good faith while carrying out these provisions.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: NO Bill TextThe people of the State of California do enact as follows:SECTION 1. Section 2085 is added to the Insurance Code, to read:2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.
Amended IN Assembly June 29, 2017 Amended IN Senate May 26, 2017 Amended IN Senate April 04, 2017 CALIFORNIA LEGISLATURE 20172018 REGULAR SESSION Senate Bill No. 569Introduced by Senator MonningFebruary 17, 2017 An act to add Section 2085 to the Insurance Code, relating to insurance. LEGISLATIVE COUNSEL'S DIGESTSB 569, as amended, Monning. Insurance: disasters: identification of insurer.Existing law generally regulates fire insurance, which includes insurance against loss by fire, lightning, windstorm, tornado, or earthquake, and establishes a standard form of fire insurance policy for the state. Existing law requires an insurer to provide an insured, free of charge, a complete, current copy of his or her fire insurance policy after a covered loss under the policy and within 30 calendar days of receipt of a request from the insured.This bill would require the Insurance Commissioner, in the case of a declaration of a disaster and at the request of an insured, or the insureds a property owner, or the owners legal representative, that is unable to identify the insurer for property located in the disaster area, to electronically provide the insureds owners name and property location information to insurers who issue fire homeowners fire insurance policies. The bill would deem that information to be provided with the voluntary written consent of the insured owner or his or her legal representative, as specified. The bill would require an insurer to respond, free of charge, to the insured or the insureds property owner or owners legal representative within 90 days after receiving that transmission if the property is covered or was previously covered by a policy issued by the insurer. the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. The bill would limit the liability of the commissioner or the commissioners authorized representatives representative, any department employees, and the insurer or the insurers employees, for statements made or conduct performed in good faith while carrying out these provisions.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: NO
Amended IN Assembly June 29, 2017 Amended IN Senate May 26, 2017 Amended IN Senate April 04, 2017
Amended IN Assembly June 29, 2017
Amended IN Senate May 26, 2017
Amended IN Senate April 04, 2017
CALIFORNIA LEGISLATURE 20172018 REGULAR SESSION
Senate Bill No. 569
Introduced by Senator MonningFebruary 17, 2017
Introduced by Senator Monning
February 17, 2017
An act to add Section 2085 to the Insurance Code, relating to insurance.
LEGISLATIVE COUNSEL'S DIGEST
## LEGISLATIVE COUNSEL'S DIGEST
SB 569, as amended, Monning. Insurance: disasters: identification of insurer.
Existing law generally regulates fire insurance, which includes insurance against loss by fire, lightning, windstorm, tornado, or earthquake, and establishes a standard form of fire insurance policy for the state. Existing law requires an insurer to provide an insured, free of charge, a complete, current copy of his or her fire insurance policy after a covered loss under the policy and within 30 calendar days of receipt of a request from the insured.This bill would require the Insurance Commissioner, in the case of a declaration of a disaster and at the request of an insured, or the insureds a property owner, or the owners legal representative, that is unable to identify the insurer for property located in the disaster area, to electronically provide the insureds owners name and property location information to insurers who issue fire homeowners fire insurance policies. The bill would deem that information to be provided with the voluntary written consent of the insured owner or his or her legal representative, as specified. The bill would require an insurer to respond, free of charge, to the insured or the insureds property owner or owners legal representative within 90 days after receiving that transmission if the property is covered or was previously covered by a policy issued by the insurer. the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. The bill would limit the liability of the commissioner or the commissioners authorized representatives representative, any department employees, and the insurer or the insurers employees, for statements made or conduct performed in good faith while carrying out these provisions.
Existing law generally regulates fire insurance, which includes insurance against loss by fire, lightning, windstorm, tornado, or earthquake, and establishes a standard form of fire insurance policy for the state. Existing law requires an insurer to provide an insured, free of charge, a complete, current copy of his or her fire insurance policy after a covered loss under the policy and within 30 calendar days of receipt of a request from the insured.
This bill would require the Insurance Commissioner, in the case of a declaration of a disaster and at the request of an insured, or the insureds a property owner, or the owners legal representative, that is unable to identify the insurer for property located in the disaster area, to electronically provide the insureds owners name and property location information to insurers who issue fire homeowners fire insurance policies. The bill would deem that information to be provided with the voluntary written consent of the insured owner or his or her legal representative, as specified. The bill would require an insurer to respond, free of charge, to the insured or the insureds property owner or owners legal representative within 90 days after receiving that transmission if the property is covered or was previously covered by a policy issued by the insurer. the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. The bill would limit the liability of the commissioner or the commissioners authorized representatives representative, any department employees, and the insurer or the insurers employees, for statements made or conduct performed in good faith while carrying out these provisions.
## Digest Key
## Bill Text
The people of the State of California do enact as follows:SECTION 1. Section 2085 is added to the Insurance Code, to read:2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.
The people of the State of California do enact as follows:
## The people of the State of California do enact as follows:
SECTION 1. Section 2085 is added to the Insurance Code, to read:2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.
SECTION 1. Section 2085 is added to the Insurance Code, to read:
### SECTION 1.
2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.
2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.
2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.
2085. (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if an insured or the insureds a property owner or owners legal representative is unable to identify the insurer of the insureds owners property that is located in the declared disaster area, the commissioner shall, at the request of the insured or the insureds property owner or owners legal representative, electronically provide the insureds property owners name and property location information to insurers that issue homeowners insurance policies subject to Section 2071.
(2) Information transmitted to the commissioner or an insurer pursuant to this section shall, within the meaning of subdivision (b) of Section 1798.24 of the Civil Code, constitute information provided with the voluntary written consent of the person transmitting the information and shall authorize the commissioner or an insurer to provide the information to others in accordance with this section. No reasonable expectation of privacy shall exist for the information provided to the commissioner or an insurer pursuant to this section and no cause of action shall arise nor shall any liability be imposed against the commissioner, the commissioners authorized representatives or any Department employee the commissioner or an insurer, the commissioners or an insurers authorized representatives, or any department or insurer employee for statements made or conduct performed in good faith while carrying out the provisions of this section.
(3) Communication between a property owner or owners legal representative and the commissioner, and between the commissioner and insurers, shall not constitute the filing of a claim.
(b) (1)An insurer that issues homeowners insurance policies subject to Section 2071 shall provide the commissioner with an email address for accepting an electronic transmission from the commissioner pursuant to subdivision (a).
(2)The email address provided to the commissioner by the insurer shall be maintained specifically for the purposes of responding to inquiries pursuant to subdivision (a).
(c) (1) An insurer that issues homeowners insurance policies subject to Section 2071 shall respond to theinsured or the insureds property owner or owners legal representative within 90 days after receiving a transmission pursuant to subdivision (a) and shall indicate whether the property is covered or was previously covered by a policy that is subject to Section 2071 and issued by the insurer. if the insurer issued a homeowners insurance policy on the property located in the disaster area and identified in the commissioners communication that was in force at the time that the disaster occurred. An insurers response to the property owner or owners legal representative pursuant to this paragraph shall not be an acknowledgment of a claim, and shall not constitute an admission of coverage under any policy for any loss.
(2) Notwithstanding paragraph (1), neither the department nor the insurer shall be required to respond to an insured or an insureds a property owner or the owners legal representative if the insurer determines that it did not issue a policy for the property.
(3) A response by an insurer to the insured or his or her property owner or the owners legal representative pursuant to paragraph (1) shall be provided free of charge.