Company Profile
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
2023 318 37 119 162 68
2022 146 35 53 58 16
2021 155 32 62 61 13

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
2023 Fire CCR 2694a5 Failed to respond or did not provide a complete response 1
2023 Fire CCR 2644.9(k)(3)(A) Insurer shall provide to the policyholder/applicant which mitigation measure(s) can be taken to lower the score or classification. 1
2023 Fire CCR 2644.9(k)(3)(B) Insurer shall provide the policyholder/applicant the amount of premium reduction that would be realized as a result of performing each mitigation measure. 1
2023 Fire CCR 2644.9(k)(2) Insurer shall provide policyholder/applicant the relative position of the score or classification and the impact on the rate or premium. 1
2023 Fire CCR 2644.9(k)(1) Insurer shall provide policyholder/applicant the range of scores or classification that could possibly be assigned to any policyholder or applicant. 1
2023 Fire CCR 2644.9(k)(3) Insurer shall provide policyholder/applicant a detailed written explanation of the assigned score or classification. 1
2023 Fire CCR 2644.9(i) Insurer shall provide information regarding right to appeal; receive and respond to policyholder/applicant appeals within the specified timelines. 1
2023 Fire CCR 2644.9(h)(1) Insurer shall provide applicant with risk score or classification no later than 15 days after submission of completed application. 1
2023 Homeowners CCR 2644.9(h)(2) Insurer shall provide policyholder with risk score or classification at least 45 days prior to renewal. 43
2023 Homeowners CCR 2644.9(h)(3) Insurer shall provide policyholder with risk score or classification at least 75 days prior to nonrenewal. 4
2023 Homeowners CCR 2644.9(k)(3)(A) Insurer shall provide to the policyholder/applicant which mitigation measure(s) can be taken to lower the score or classification. 53
2023 Homeowners CCR 2644.9(k)(3) Insurer shall provide policyholder/applicant a detailed written explanation of the assigned score or classification. 52
2023 Homeowners CCR 2644.9(k)(3)(B) Insurer shall provide the policyholder/applicant the amount of premium reduction that would be realized as a result of performing each mitigation measure. 56
2023 Homeowners CCR 2644.9(k)(1) Insurer shall provide policyholder/applicant the range of scores or classification that could possibly be assigned to any policyholder or applicant. 3
2023 Homeowners CIC 678(a)(1) An insurer shall deliver to the named insured an offer to renew at least 45 days in advance. 2
2023 Homeowners CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 1
2023 Homeowners CCR 2695.7(d) Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2023 Homeowners CIC 1668j Incompetency and exposing public to danger of loss 1
2023 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 8
2023 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 15
2023 Homeowners CIC 481.5a Personal Lines - Failure to return premium in a timely manner 1
2023 Homeowners CCR 2644.9(k)(2) Insurer shall provide policyholder/applicant the relative position of the score or classification and the impact on the rate or premium. 53

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
2023 Commercial Multi-Peril .00 4.220 .00 .00
2023 Homeowners 7.80 6.771 9.01 1.33

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


Last Revised - December 03, 2007 11:57 AM
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