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  2. California FAIR Plan - Wikipedia

    en.wikipedia.org/wiki/California_FAIR_Plan

    If the FAIR Plan does not have the money to pay out all claims, it collects money from insurance companies that operate in California. [5] According to data from 2020, the FAIR Plan covers 2.5% of the statewide market share, but 20.4% of the market share in ZIP codes at high risk from wildfires. [6]

  3. California Insurance Code - Wikipedia

    en.wikipedia.org/wiki/California_Insurance_Code

    The California Insurance Code are the codified California laws regarding insurance.The code not only covers requirements for home, auto, medical and business insurance policies, but also covers the licensing of bail bond agents, workers' compensation, motor club services, and other related business types.

  4. Water damage - Wikipedia

    en.wikipedia.org/wiki/Water_damage

    An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy.

  5. Blazes could break California’s last-resort insurer; plans ...

    www.aol.com/blazes-could-break-california-last...

    (The Center Square) - California’s fire insurer of last resort has long been on the brink of insolvency. Not only could FAIR customers — in the absence of a government bailout — face major ...

  6. New California regulation requires insurance companies to ...

    www.aol.com/california-regulation-requires...

    The commissioner’s office said the requirement will be limited to California, so in-state consumers will not be on the hook for the insurance costs of other high-risk areas, like the Gulf Coast.

  7. California's home insurance crisis: What went wrong, how it ...

    www.aol.com/news/californias-home-insurance...

    The companies are blaming wildfires, inflation that raised reconstruction costs, higher prices for reinsurance they buy to boost their balance sheets and protect themselves from catastrophes, as ...

  8. California Department of Insurance - Wikipedia

    en.wikipedia.org/wiki/California_Department_of...

    Its budget is primarily derived from funds generated by license fees, assessments, and Proposition 103 recoupment fees. The CDI licenses over 1,500 insurance companies and more than 320,000 insurance agents and insurance brokers in the state of California, United States. The current California Insurance Commissioner is Ricardo Lara.

  9. Total loss - Wikipedia

    en.wikipedia.org/wiki/Total_loss

    Even though only partially sunk in shallow water, in 2012 the relatively new cruise liner Costa Concordia was declared a "constructive total loss" due to escalating environmental and salvage clean-up costs. In insurance claims, a total loss or write-off is a situation where the lost value, repair cost or salvage cost of a damaged property ...

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