Company Complaint Information

Company Profile



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Company Performance
In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year	Closed Complaints (TOTAL of Categories 1-3)	Category 1: Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.	Category 2: Complaints found to be without Merit.	Category 3: Complaints with Other Outcomes	Category 4: Justified Complaints
2020	41	5	11	25	13
2019	38	17	3	18	14
2018	8	2	0	6	4

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated.

Year	Line of Coverage	Law	Section	Summarized Description of Law	# of Alleged Violations
2020	Homeowners	CIC	38.6(b)(2)(D)	The licensee needs to disclose the process or system to report a change or correction in the person's email address	2
2020	Homeowners	CIC	10081	Residential property insurance policy cannot be issued unless the insured is offered coverage for loss/damage caused by earthquake	2
2020	Homeowners	CIC	38.6(b)(2)(A)	The opt in agreement to receive the record by electronic transmission is voluntary	2
2020	Homeowners	CCR	2695.183(a)(5)(	The Replacement Cost Estimate shall list the materials in, and generic types of, interior features and finishes.	1
2020	Homeowners	CIC	38.6(b)(2)(C)	A description of the record that the person will receive by electronic transmission	2
2020	Homeowners	CIC	677	Cancellation notice requirements	1
2020	Homeowners	CIC	791.13	Disclosure of personal or privileged information	1
2020	Homeowners	CCR	2360.2	Eligibility guidelines	1
2020	Homeowners	CIC	10095(h)	Every insurer member of the plan shall provided to applicants who are denied coverage the toll free number for the CA FAIR Plan	1
2020	Homeowners	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	2
2020	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	1
2020	Homeowners	CIC	880	Failure of insurer to use own name	2
2020	Homeowners	CIC	10103(b)	Failure to disclose building code upgrade information	1
2020	Homeowners	CIC	10102(a)	Failure to send or include the correct language in the residential insurance disclosure form	1
2020	Homeowners	CCR	2695.183(g)(1)	HO company must provide insured with copy of replacement cost estimate	4
2020	Homeowners	CIC	38.6(b)(7)	If a record is transmitted electronically, a licensee shall maintain a process or system that demonstrates proof of delivery and a	4
2020	Homeowners	CIC	460	Inception hour	8
2020	Homeowners	CIC	791.04	Insurer or agent shall provide written notice of info practices to all applicants and policyholders that involve ins transactions	1
2020	Homeowners	CCR	2695.7d	Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant.	1
2020	Homeowners	CCR	2695.183(a)	Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate.	2
2020	Homeowners	CCR	2695.7b3	Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance.	3
2020	Homeowners	CCR	2695.7c1	Must notify in writing every 30 calendar days if more time is required to investigate claim.	1
2020	Homeowners	CCR	2695.5a	Must respond to the California Department of Insurance within 21 calendar days.	4
2020	Homeowners	CIC	510	Notice of CDI consumer affairs unit	2
2020	Homeowners	CIC	10083	Offer of EQ coverage required within first 60 days of policy	1
2020	Homeowners	CCR	2695.183(g)(2)	requires insurers to include the Section 2695.183(a) information in the dwelling replacement cost estimates	4
2020	Homeowners	CIC	38.6(b)(2)(E)	The opt in agreement needs to include the licensee's contact information with at least a toll-free number or Internet Web address	2

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year	Line of Coverage	JustifiedComplaint Ratio	Market Share	Complaint Share	Index
2020	Homeowners	6.09	1.792	2.92	1.63

If complaint data does not appear for this company, this link will provide you with an explanation.