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
2018 73 23 38 12 20
2017 37 13 22 2 3
2016 34 8 25 1 4

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
2018 Homeowners CIC 675.1a Adjustment to limits after a total loss, during reconstruction 2
2018 Homeowners CIC 10102(b) Residential property disclosure form shall indicate which coverages have abeen selected or purchased 2
2018 Homeowners CIC 678(a) An insurer shall deliver to the named insured an offer to renew or notice of non-renewal at least 45 days prior to expiration 1
2018 Homeowners CCR 2360.0b Bears no reasonable relationship to risk of loss 1
2018 Homeowners CCR 2360.2 Eligibility guidelines 1
2018 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 7
2018 Homeowners CCR 2694a5 Failed to respond or did not provide a complete response 1
2018 Homeowners CIC 880 Failure of insurer to use own name 1
2018 Homeowners CCR 2695.183(g)(1) HO company must provide insured with copy of replacement cost estimate 8
2018 Homeowners CCR 2694a4 In contravention of or inconsistent with policy/contracts 1
2018 Homeowners CCR 2694a3 In contravention of own rules, policies, procedures, guidelines 11
2018 Homeowners CCR 2695.183(a) Lists the dwelling expenses and characteristics that must be included in the dwelling replacement cost estimate. 1
2018 Homeowners CCR 2695.7b1 Must deny all claims in writing. Must cite statute, applicable law or policy provision on 1st party claims. 1
2018 Homeowners CCR 2695.5a Must respond to the California Department of Insurance within 21 calendar days. 2
2018 Homeowners CIC 791.10e Adverse underwriting decision; specific reason or reasons shall be provided in writing at the time of the decision 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
2018 Homeowners 27.93 .634 4.93 7.78
2018 Workers Compensation .00 .650 .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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