Company Complaint Information
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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 |
|---|---|---|---|---|---|
| 2022 | 175 | 27 | 121 | 27 | 10 |
| 2021 | 42 | 11 | 26 | 5 | 3 |
| 2020 | 5 | 3 | 1 | 1 | 2 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2022 | Fire | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
| 2022 | Fire | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 1 |
| 2022 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 3 |
| 2022 | Homeowners | CIC | 675.1(b)(1) | Cancellation/nonrenewal prohibited for residential property insurance for one year from declaration of emergency in any zip code a | 1 |
| 2022 | Homeowners | CIC | 678(a)(1) | An insurer shall deliver to the named insured an offer to renew at least 45 days in advance. | 1 |
| 2022 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 5 |
| 2022 | Homeowners | CIC | 676(d) | No notice of cancellation shall be effective unless it is based on discovery of grossly negligent acts or omissions by the insured | 1 |
| 2022 | Homeowners | CCR | 2695.183a(I) | Materials used in and interior features and finishes need to be included in the Replacement Cost Estimate | 1 |
| 2022 | Homeowners | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 1 |
| 2022 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 2 |
| 2022 | Misc Lines | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
| 2022 | Misc Lines | CIC | 481.5a | Personal Lines - Failure to return premium in a timely manner | 1 |
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 |
|---|---|---|---|---|---|
| 2022 | Homeowners | 2.76 | 2.594 | 2.31 | .89 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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