CHAPTER 2. The Fire Insurance Contract [2030. - 2097.]

Chapter 2 enacted by Stats. 1935, Ch. 145.

§§ 2030–2097 · 44 sections

1. ARTICLE 1. Change of Risk §§ 2030–2033 · 4 sections

   • § 2030 An insurer is entitled to rescind a contract of fire insurance upon an alteration in the use or condition of the subject matter insured from that to which it…
   • § 2031 When a contract of fire insurance does not restrict use or condition of insured subject matter, such contract is not affected by an alteration in such use or…
   • § 2032 After the execution of a contract of fire insurance, an act of the insured does not affect the contract unless the act violates policy provisions, even though…
   • § 2033 (a) The California Safe Homes grant program is hereby established to be developed and administered by the department for the purpose of achieving the following…
2. ARTICLE 2. Measure of Indemnity §§ 2050–2062 · 13 sections

   • § 2050 The effect of a valuation in a fire policy is the same as in a marine policy.
   • § 2051 (a) Under an open policy, the measure of indemnity in fire insurance is the expense to the insured of replacing the thing lost or injured in its condition at…
   • § 2051.5 (a) (1) Under an open policy that requires payment of the replacement cost for a loss, the measure of indemnity is the amount that it would cost the insured to…
   • § 2052 Whenever the insured desires to have a valuation named in his policy insuring any building or structure against fire, he may require such building or structure…
   • § 2053 A clause shall be inserted in such a valued policy, stating substantially that the value of the insured’s interest in the insured building or structure has…
   • § 2054 In the absence of any change increasing the risk without the consent of the insurer or of fraud on the part of the insured, and except as provided in Sections…
   • § 2055 Except as provided by section 2056, the insurer shall not be required to pay more than the amount stated in such a valued policy.
   • § 2056 Stipulations in a valued policy concerning the repairing, rebuilding or replacing of buildings or structures wholly or partially damaged or destroyed shall…
   • § 2057 Under a contract of fire insurance, payment to the insured shall be made within 30 days after the amount of the loss and the liability of the company have been…
   • § 2058 Notwithstanding any other provision of law, if a loss arising out of fire is rebuilt or replaced, an insured covered by a valued policy shall receive full…
   • § 2060 (a) In the event of a loss under a homeowners’ insurance policy for which the insured has made a claim for additional living expenses, the insurer shall…
   • § 2061 (a) In the event of a covered loss relating to a state of emergency, as defined in Section 8558 of the Government Code, the following special provisions shall…
   • § 2062 In the event of a state of emergency, as defined in Section 8558 of the Government Code, an insurer shall offer a 60-day grace period for payment of premiums…
3. ARTICLE 3. California Standard Form Fire Insurance Policy §§ 2070–2085 · 24 sections

   • § 2070 All fire policies on subject matter in California shall be on the standard form, and, except as provided by this article shall not contain additions thereto.…
   • § 2070.1 (a) Any insurer whose insured has made a claim under his or her residential fire or property insurance policy for loss due, in whole or in part, to corrosive…
   • § 2071 (a) The following is adopted as the standard form of fire insurance policy for this state: California Standard Form Fire Insurance Policy No. [Space for…
   • § 2071.1 (a) This section applies to an examination of an insured under oath pursuant to Section 2071 labeled “Requirements in case loss occurs” and other relevant…
   • § 2072 The policy is not required to be used for reinsurance between insurers.
   • § 2073 The policy shall be plainly printed. The type shall not be smaller than eight-point and in a style not less legible than Century and subheads shall be in type…
   • § 2074 Either the blanks in the standard form or those in an endorsement attached thereto shall be appropriately filled. The first page of the policy or an…
   • § 2074.5 In lieu of showing the term of coverage in the form set forth in Section 2071, the standard form policy may show the term in any form which clearly states the…
   • § 2074.6 In lieu of showing the attestation clause and official signatures in the form as set forth in Section 2071, the standard form policy may show, immediately…
   • § 2074.7 Notwithstanding the provisions of Section 2071 granting the right to both insured and insurer to cancel a policy of insurance, or the provisions of any policy…
   • § 2074.8 Notwithstanding any of the other provisions of Sections 2071 and 6010, those paragraphs in Sections 2071 and 6010 captioned “Cancellation of policy” may, in…
   • § 2074.9 During such time as countersignatures are not required by law, the provisions of Section 2071 requiring policies to make provision for countersignatures shall…
   • § 2075 By special agreement indorsed on the policy or added thereto, the provisions regarding appraisement or apportionment of loss may be waived and the valuations…
   • § 2076 The insurer may add to the standard form any matter relating to its financial condition, directors, officers, shareholders and history, and the address of its…
   • § 2077 The insurer may add to the standard form, in red ink, any provisions required or permitted in its policies by the State or country of its organization,…
   • § 2078 There may be added to the standard form, clauses providing for and defining the rights, duties and obligations of mortgagees, assignees and other parties…
   • § 2079 Clauses may be added to the standard form: (a) Covering subject matter and risks not otherwise covered; provided that clauses covering loss or damage caused by…
   • § 2080 Except as otherwise provided in this article, clauses imposing specified duties and obligations upon the insured and limiting the liability of the insurer may…
   • § 2081 Whenever a clause is inserted, or rider attached, affecting the standard form liability of the insurer for loss or damage by fire occasioned either directly or…
   • § 2082 Any insurers, other than corporations, issuing policies on subject matter in California, shall use the standard form, changing only such words as refer to the…
   • § 2082.5 Where an insurer has no president or secretary in the United States, the facsimile signature on the standard form may be that of its principal executive…
   • § 2083 It is a misdemeanor for any insurer or any agent to countersign or issue a fire policy covering in whole or in part property in California and varying from the…
   • § 2084 (a) After a covered loss under a policy covered by Section 2071, an insurer shall provide to the insured, free of charge, a complete copy of the policy that…
   • § 2085 (a) (1) In the case of a declaration of a disaster by the President of the United States or the Governor, if a property owner or owner’s legal representative…
4. ARTICLE 5. Reduced Wildfire Risk §§ 2095–2097 · 3 sections

   • § 2095 The Legislature finds and declares all of the following: (a) More than 2,000,000 California households, or approximately one in four residential structures in…
   • § 2096 For purposes of this article: (a) “Building Materials Listing” means the list of construction materials and equipment biennially prepared by the Office of the…
   • § 2097 (a) (1) On or before January 1, 2030, and every five years thereafter, the department shall consider whether to update the Safer from Wildfires regulations to…