CA AB1800

Prohibits fire insurance policies issued or delivered in California from denying or limiting payment of replacement cost or building code upgrade costs when an insured rebuilds at a new location following a total loss of an insured structure.

Requires the measure of indemnity to not exceed the replacement cost to repair, rebuild, or replace the insured structure at its original location.

Establishes minimum timeframes for collecting full replacement costs: 12 months for standard losses and 36 months for losses related to states of emergency, with allowances for six-month extensions for good cause.

Permits insurers to grant up to 12 additional months of additional living expense coverage (for a total of 36 months) in state of emergency situations when reconstruction delays result from circumstances beyond the insured's control, including permit delays, material shortages, or contractor unavailability.

Requires all fire insurance policy forms issued or renewed on or after July 1, 2019, to comply with these provisions, and took effect immediately upon approval on September 21, 2018.