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
2022 892 200 348 344 36
2021 837 221 276 340 53
2020 782 218 251 313 34

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
2022 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 3
2022 Fire CCR 2695.7(b)(3) Must notify claimant that claim denial can be reviewed by the California Department of Insurance. 1
2022 Fire CCR 2695.9(d)(3) Insurer must adjust written estimate provided by claimant and provide a copy of the adjusted estimate to the claimant 1
2022 Fire CCR 2695.3(a) File must contain all documents. 1
2022 Fire CIC 677.2 Requirements for cancellation notices for policies covered by 675.5 1
2022 Fire CIC 679.5 Proof of mailing property insurance 1
2022 Homeowners CCR 2695.5(b) Must provide complete response to claimant inquiries within 15 calendar days. 3
2022 Homeowners CIC 481.5a Personal Lines - Failure to return premium in a timely manner 1
2022 Homeowners CIC 14047(a) Primary point of contact must be assigned on claim due to declared emergency if 3rd adjuster assigned in 6 months 1
2022 Homeowners CIC 10095.7(b) An applicant who is denied, or policyholder who is cancelled or non-renewed, shall be provided with information regarding the depa 1
2022 Homeowners CIC 2051.5(b)(1)(B) Claim arising out of declared emergency, insured has up to 36 months from date of first ACV payment to collect replacement cost, s 1
2022 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 2
2022 Homeowners CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 2
2022 Homeowners CIC 880 Failure of insurer to use own name 3
2022 Homeowners CCR 2695.7(b)(3) Must notify claimant that claim denial can be reviewed by the California Department of Insurance. 2
2022 Homeowners CCR 2695.5(a) Must respond to the California Department of Insurance within 21 calendar days. 12
2022 Homeowners CCR 2695.7(c)(1) Must notify in writing every 30 calendar days if more time is required to investigate claim. 2
2022 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 11
2022 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 1
2022 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2022 Homeowners CIC 14046(b) Within 15 days after notice of claim, insurer must provide claimant with copy of annual CDI notice describing the most significant 4
2022 Homeowners CIC 678(c)(2) 75 day extension if insurer fails to give notice of nonrenewal for a policy that expires on or after July 1, 2020. 1
2022 Homeowners CIC 678(e) A notice of nonrenewal for policies expiring on or after July 1, 2021, shall be accompanied by the information outlined in the st 1
2022 Homeowners CCR 2695.183(g)(2) requires insurers to include the Section 2695.183(a) information in the dwelling replacement cost estimates 1
2022 Homeowners CCR 2695.7(b) Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim. 2
2022 Misc Lines CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 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 Commercial Multi-Peril .00 7.344 4.65 .63
2022 Homeowners 1.44 18.233 8.46 .46

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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