CA SB1301

Beginning July 1, 2027, insurers must provide renewal offers at least 90 days before policy expiration, or nonrenewal/coverage reduction notices at least 180 days before expiration, increased from current 45-75 day requirements

Insurers must provide policyholders with detailed explanations for nonrenewal decisions, including wildfire risk scores, property-specific characteristics, imagery, and documentation used in making the determination

Policyholders must receive at least 90 days to complete remediation or provide additional information to qualify for renewal, with extensions up to 180 days available for delays beyond their control such as permit issues or contractor unavailability

Insurers are prohibited from refusing coverage based on unpaid claims, claims within deductibles, previous policy inquiries, or solely on roof age if an inspection confirms at least 5 years of useful life remaining

Insurers must submit annual reports to the Insurance Commissioner by April 1, 2028, detailing nonrenewals and coverage reductions by county and ZIP Code, with aggregated data published on the department website by July 1, 2028