CA SB877

Requires residential property insurers to provide policyholders with copies of all claim-related documents within 15 calendar days of the document being created or generated following a covered loss

Mandates insurers disclose every version of loss estimates and other claim documents, including all altered, amended, edited, revised, or redacted versions, whether changed electronically or by hand

Requires each document version to include the full name and title of every person who made, ordered, reviewed, or approved changes, along with a detailed explanation for why each change was made

Documents must be made available through the insurer's document portal or primary communication method and cannot be removed or altered after disclosure

Claim-related documents include repair estimates, appraisals, scopes of loss, drawings, plans, and third-party findings, but excludes attorney-client privileged materials, fraud investigation documents, and medically privileged information