CA AB2611

Establishes an appeal process for insureds or applicants who disagree with determinations made by an insurer using a wildfire risk model, including decisions about coverage eligibility or premium amounts.

Requires insurers to respond to appeals within 30 calendar days and prohibits adverse underwriting actions (cancellation, nonrenewal, or premium increases) during the pendency of an appeal.

Mandates insurers to provide written notice with specific reasons for adverse underwriting decisions resulting from appeals, including mailing address, website, and phone number for the Department of Insurance review unit.

Requires the Insurance Commissioner to issue a bulletin to insurers with contact information for the department unit that performs review of adverse underwriting decisions and to update that information as necessary.

Defines "wildfire risk model" as a computer-based, map-based, or other measurement tool used by insurers to rate, underwrite, or assess wildfire risk to residential structures.