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 75 21 35 19 6
2019 79 31 34 14 11
2018 73 23 38 12 20

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 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 2
2020 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 2
2020 Homeowners CCR 2695.7d Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. 1
2020 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 1
2020 Homeowners CCR 2695.7h Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. 1
2020 Homeowners CIC 675.1a Adjustment to limits after a total loss, during reconstruction 1
2020 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
2020 Homeowners CCR 2695.183(a) Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate. 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 10.22 .493 1.35 2.74
2020 Workers Compensation .00 1.222 .00 .00

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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