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ARTICLE · 06 JUNE 2019

SB 894 And Related Wildfire Legislation

Wilson Elser Moskowitz Edelman & Dicker LLP
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In response to the considerable losses caused by the 2017 wildfires, the California Legislature enacted and amended several statutes to allow insureds the resources to rebuild their homes,

United StatesInsurance
William K. Enger
William K. Enger
Shannon L. Santos
Shannon L. Santos
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I. Procedural History

In response to the considerable losses caused by the 2017 wildfires, the California Legislature enacted and amended several statutes to allow insureds the resources to rebuild their homes, especially given the reality of construction delays and price gouging of individuals in disaster locations. The following addresses the impact of these statutory revisions.

Effective September 21, 2018, California Insurance Code section 2051.5(b)(2) was amended to read:

  • In the event of a covered loss relating to a state of emergency, as defined in Section 8558 of the Government Code, coverage for additional living expenses shall be for a period of no less than 24 months from the inception of the loss, but shall be subject to other policy provisions. An insurer shall grant an extension of up to 12 additional months, for a total of 36 months, if an insured acting in good faith and with reasonable diligence encounters a delay or delays in

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