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 | 76 | 27 | 14 | 35 | 23 |
| 2021 | 14 | 5 | 6 | 3 | 3 |
| 2020 | 6 | 0 | 4 | 2 | 0 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2022 | Fire | CIC | 880 | Failure of insurer to use own name | 1 |
| 2022 | Fire | CIC | 10102(a) | Failure to send or include the correct language in the residential insurance disclosure form | 1 |
| 2022 | Fire | CIC | 10103(a)(2) | Failure to include statement regarding the valuation of the structure on the declarations page for residential property insurance | 1 |
| 2022 | Fire | CCR | 2694a5 | Failed to respond or did not provide a complete response | 1 |
| 2022 | Fire | CIC | 38.6(b)(4) | The email address of the person who has consented to electronic transmission shall be set forth on the consent disclosure. | 1 |
| 2022 | Fire | CCR | 2360.6 | Insurer must keep documentation in every underwriting file identifying all info considered in determining premium charged | 1 |
| 2022 | Fire | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
| 2022 | Homeowners | CCR | 2360.6 | Insurer must keep documentation in every underwriting file identifying all info considered in determining premium charged | 12 |
| 2022 | Homeowners | CIC | 10101 | Residential property insurance policy may not be issued unless the insured is provided a copy of the Property disclosure form | 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 | CIC | 10103(a)(2) | Failure to include statement regarding the valuation of the structure on the declarations page for residential property insurance | 13 |
| 2022 | Homeowners | CIC | 10102(a) | Failure to send or include the correct language in the residential insurance disclosure form | 11 |
| 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 | 2695.7(c)(1) | Must notify in writing every 30 calendar days if more time is required to investigate claim. | 1 |
| 2022 | Homeowners | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 4 |
| 2022 | Homeowners | CIC | 790.03b | Prohibited acts-untrue, deceptive, misleading statements | 7 |
| 2022 | Homeowners | CIC | 791.28 | Residential Property; Insurer must disclose to insured that it reports claims info to claims info database. | 1 |
| 2022 | Homeowners | CIC | 10103(a)(1) | The limits of liability for the structure needs to be listed on the declaration page | 1 |
| 2022 | Homeowners | CIC | 677.4 | Requirements for cancellation notices for policies covered by the CIC 675 | 4 |
| 2022 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 17 |
| 2022 | Homeowners | CIC | 880 | Failure of insurer to use own name | 10 |
| 2022 | Homeowners | CIC | 790.03h3 | Failing to adopt & implement standards for the prompt investigation & processing of claims | 1 |
| 2022 | Homeowners | CCR | 2694a5 | Failed to respond or did not provide a complete response | 9 |
| 2022 | Homeowners | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 13 |
| 2022 | Homeowners | CIC | 38.6(b)(4) | The email address of the person who has consented to electronic transmission shall be set forth on the consent disclosure. | 9 |
| 2022 | Homeowners | CCR | 2360.2 | Eligibility guidelines | 1 |
| 2022 | Homeowners | CIC | 790.02 | Engaging in trade practice defined as unfair method of competition prohibited | 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 | 21.31 | .858 | 5.90 | 6.87 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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