California Insurance Commissioner Orders Moratorium on Cancellations, Non-Renewals Following Wildfires

August 15, 2022

California Insurance Commissioner Ricardo Lara has ordered insurers to preserve residential insurance coverage for 8,500 affected homes following Gov. Gavin Newsom’s emergency declaration as wildfires in Siskiyou County continue to threaten homeowners.

The commissioner’s order shields those properties within the perimeter or in adjacent ZIP codes of the McKinney Fire and China 2 Fire from insurance non-renewal or cancellation for one year from the date of the Newsom’s July 30 declaration regardless of whether they suffered a loss.

“Siskiyou County residents have endured wildfire emergencies over the past three years and protecting their insurance is essential to recovery,” Lara said in a statement. “I will both continue to enforce this law to protect consumers and continue working to create long-term solutions to make our communities safer from wildfires.”

The order includes 16 ZIP codes impacting an estimated 8,500 residential policyholders. Nearly 50% of Siskiyou County is affected by the order. ZIP codes in Del Norte and Humboldt counties are also included.