Reglas sobre renovación y no renovación de seguros de propiedad en California

Explicación Simple

Si tienes un seguro, la compañía debe avisarte 45 días antes de que se acabe. Te dirán si pueden renovarlo y si cambian algo, o si no lo renovarán y por qué.

Es como cuando un restaurante te llama para decirte que tu mesa está lista, pero también te avisan si el platillo que pediste ya no está en el menú.

Ejemplo Práctico

María tiene un seguro de vivienda que está por expirar. 45 días antes de la fecha, su aseguradora le envía una carta ofreciéndole renovar su póliza, pero le informa que la cobertura contra incendios ya no estará incluida. María tiene tiempo para decidir si acepta los nuevos términos o busca otra opción.

Texto Original del Estatuto (Inglés)

Insurance Code - INS DIVISION 1. GENERAL RULES GOVERNING INSURANCE [100 - 1879.8] ( Division 1 enacted by Stats. 1935, Ch. 145. ) PART 1. THE CONTRACT [100 - 679.75] ( Part 1 enacted by Stats. 1935, Ch. 145. ) CHAPTER 11. Cancellation and Failure to Renew Certain Property Insurance [675 - 679.7] ( Chapter 11 added by Stats. 1970, Ch. 313. ) 678. (a) (1) At least 45 days before the policy expiration, an insurer shall deliver to the named insured or mail to the named insured at the address shown in the policy, either of the following: (A) An offer of renewal of the policy contingent upon payment of premium as stated in the offer, stating each of the following: (i) Any reduction of limits or elimination of coverage. That reduction of limits or elimination of coverage shall identify the specific limits being reduced or coverage being eliminated by the offer of renewal. The elimination of coverage for the previously covered peril of fire shall be subject to subdivision (b) of Section 10103.6. (ii) The telephone number of the insurer’s representatives who handle consumer inquiries or complaints. The telephone number shall be displayed prominently in a font size consistent with the other text of the renewal offer. (B) A notice of nonrenewal of the policy. That notice shall contain all of the following: (i) The specific reason or reasons for the nonrenewal. (ii) The telephone number of the insurer’s representatives who handle consumer inquiries or complaints. The telephone number shall be displayed prominently in a font size consistent with the other text of the notice of nonrenewal. (iii) Until July 1, 2020, a brief statement indicating that if the consumer has contacted the insurer to discuss the nonrenewal and remains unsatisfied, the consumer may have the matter revie