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
2020 782 218 251 313 34
2019 592 191 172 229 66
2018 626 205 174 247 91

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 Fire CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 2
2020 Fire CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 4
2020 Fire CIC 880 Failure of insurer to use own name 1
2020 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2020 Homeowners CIC 880 Failure of insurer to use own name 3
2020 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 1
2020 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 7
2020 Homeowners CCR 2695.9d3 Insurer must adjust written estimate provided by claimant and provide a copy of the adjusted estimate to the claimant 1
2020 Homeowners CCR 2695.7d Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 3
2020 Homeowners CCR 2695.4a Must disclose all benefits, time limits & possible applicable provisions to 1st party claimants. 1
2020 Homeowners CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 5
2020 Homeowners CCR 2695.7c1 Must notify in writing every 30 calendar days if more time is required to investigate claim. 2
2020 Homeowners CCR 2695.7h Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2020 Homeowners CCR 2695.5b Must provide complete response to claimant inquiries within 15 calendar days. 3
2020 Homeowners CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2020 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 1
2020 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 8
2020 Homeowners CIC 678(a) An insurer shall deliver to the named insured an offer to renew at least 45 days in advance; or 45 days notice of nonrenewal until 1
2020 Homeowners CIC 2071. California Standard form Fire Insurance policy 2
2020 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
2020 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 8
2020 Misc Lines CIC 677.2 Requirements for cancellation notices for policies covered by 675.5 1
2020 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
2020 Commercial Multi-Peril .00 6.953 5.88 .85
2020 Homeowners 1.40 18.592 6.97 .37

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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