Home, auto, the FAIR Plan, workers’ compensation, and contractor coverage, from the Chula Vista office.
In September 2025 the Los Angeles Times reported the California FAIR Plan was still denying some smoke-damage claims after a court loss and a push from the governor.…
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September 1, 2025 brought the first California advisory pure-premium increase in a decade: 8.7%. Charged rates had been falling for years. That era ended.
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An August 21, 2025 Axios San Diego report put numbers on it: Insurify projected full-coverage auto in California could run 7% higher by year-end if tariffs stuck, versus…
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A 17% emergency homeowners increase for State Farm General took effect June 1, 2025, after the Los Angeles fires. In exchange, the company had to halt new block…
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On March 28, 2025, Commissioner Lara approved a FAIR Plan commercial expansion: $20 million per building and $100 million per location, on top of the $3 million residential…
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In February 2025 the California FAIR Plan won approval to assess member insurers $1 billion after the Los Angeles wildfires. State Farm’s share was the largest. Policyholders statewide…
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The January 7, 2025 Los Angeles County wildfires tore through ZIP codes where State Farm and the FAIR Plan already held outsized shares. That is why the residual…
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On December 13, 2024, California’s catastrophe-modeling regulation was filed with the Secretary of State. Insurers that use the models must expand in wildfire-distressed areas. Rates will not go…
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On November 14, 2024, Commissioner Lara sent the wildfire catastrophe-modeling regulation to the Office of Administrative Law. Insurers that use the models must write more in wildfire-distressed ZIP…
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Industry RateWatch data showed California’s largest auto writers averaging a 16.2% approved increase in 2024 after 12.6% in 2023. Personal auto in this office felt it on clean…
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On September 22, 2024, Governor Newsom signed SB 1455, delaying the universal CSLB workers’ compensation requirement from January 1, 2026 to January 1, 2028. Roofers and the 2023…
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California is the only state that splits construction class codes by hourly wage. The 2023 review’s new thresholds applied to policies incepting September 1, 2024. Payroll on the…
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