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 134 32 46 56 11
2019 196 55 69 72 20
2018 159 35 63 61 15

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 CIC 790.03h3 Failing to adopt & implement standards for the prompt investigation & processing of claims 1
2020 Fire CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2020 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 1
2020 Homeowners CCR 2360.7 Failure to offer coverage upgrade at renewal 2
2020 Homeowners CCR 2695.183(a)(3) Cost of demolition and debris removal needs to be included in the Replacement Cost Estimate 2
2020 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2020 Homeowners CCR 2695.7b3 Must notify claimant that claim denial can be reviewed by the California Dept. of Insurance. 1
2020 Homeowners CCR 2695.183(a) Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate. 1
2020 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 1
2020 Homeowners CCR 2695.182 Licensee shall document and retain replacement cost information 1
2020 Homeowners CCR 2695.183(i) Licensee shall maintain a record of information supplied by the applicant or insured used to generate the estimate. 1
2020 Liability CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 1
2020 Liability CIC 790.03h1 Misrepresenting facts or policy provisions. 1
2020 Liability CIC 676.2 Cancellation of commercial policies 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 Homeowners 12.42 .541 1.80 3.33
2020 Commercial Multi-Peril .00 3.293 2.94 .89

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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