CA SB824

Prohibits insurers from canceling or refusing to renew residential property insurance for one year after a state of emergency is declared based solely on wildfire occurrence, for properties within or adjacent to the fire perimeter.

Requires admitted insurers with California premiums of $10 million or more to submit reports on residential property fire loss data to the Insurance Commissioner by April 1, 2020, and every two years thereafter, with the premium threshold increasing to $12 million in 2026.

Mandates the Insurance Commissioner to compile and post a wildfire risk report on the department's website every two years using data submitted by insurers, including fire losses, property coverage, fire risk scores, premiums, and ZIP codes.

Establishes civil penalties of up to $5,000 for failure to submit required reports, or up to $10,000 if the failure is willful, with a 30-day extension available for unintended delays.

Declares submitted insurer data confidential, exempt from public records requests, not subject to subpoena, and inadmissible as evidence in civil proceedings.