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  "contentVersion": "2026.08.31",
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  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "California Insurance Code Section 10083 (timing and prescribed language of the earthquake offer; every-other-year re-offer)",
  "publisher": "California Legislative Information (official)",
  "url": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10083",
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  "sourceType": "statute",
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  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "amended only by legislation; re-check leginfo annually",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "ca-ins-code-10083#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c1",
      "checksum": "a8d140b98441",
      "text": "The offer of earthquake coverage may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy."
    },
    {
      "claimId": "ca-ins-code-10083#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c2",
      "checksum": "5f8add6acf77",
      "text": "If the offer is not accepted, the insurer must offer earthquake coverage on an every other year basis in connection with any continuation, renewal, reinstatement, or policy that extends or replaces the residential property insurance policy."
    },
    {
      "claimId": "ca-ins-code-10083#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c3",
      "checksum": "790ea64afc55",
      "text": "The prescribed offer includes the statement that if the insured does not accept the offer of earthquake insurance within 30 days of the mailing of the notice, the insurance company shall presume that the insured has not accepted the offer."
    },
    {
      "claimId": "ca-ins-code-10083#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c4",
      "checksum": "86e3a833e1a0",
      "text": "The prescribed disclosures must be set in at least 10-point boldface type."
    },
    {
      "claimId": "ca-ins-code-10083#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c5",
      "checksum": "04b377fd59a1",
      "text": "The prescribed disclosure states that the residential property insurance policy does not cover earthquake damage to the home or its contents."
    },
    {
      "claimId": "ca-ins-code-10083#c6",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c6",
      "checksum": "04fad889c813",
      "text": "The prescribed disclosure states that the deductible represents the amount of damage the covered property must incur before the earthquake insurance coverage begins."
    },
    {
      "claimId": "ca-ins-code-10083#c7",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c7",
      "checksum": "343ff12a7d67",
      "text": "The section became operative on January 1, 2019."
    },
    {
      "claimId": "ca-ins-code-10083#c8",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c8",
      "checksum": "263d800208c8",
      "text": "Section 10083(a) reads: 'The offer of coverage required by Section 10081 may be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy.'"
    },
    {
      "claimId": "ca-ins-code-10083#c9",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c9",
      "checksum": "69fe14fb269f",
      "text": "Section 10083(a) continues: 'If the offer of coverage is mailed to the named insured or applicant, it shall be mailed to the mailing address shown on the policy of residential property insurance or on the application.'"
    },
    {
      "claimId": "ca-ins-code-10083#c10",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c10",
      "checksum": "da020b513767",
      "text": "Section 10083(a)(1) and (a)(2) prescribe the offer language for nonparticipating insurers and for participating insurers respectively, each requiring that the offer 'shall contain all of the following language in at least 10-point boldface type', and the prescribed language begins: 'Your residential property insurance policy does not cover earthquake damage to your home or its contents.'"
    },
    {
      "claimId": "ca-ins-code-10083#c11",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c11",
      "checksum": "29ad9bab4ecc",
      "text": "The prescribed offer language includes fill-in items labeled '(A) Amount of Dwelling/Building Coverage Limit', '(B) Deductible', '(C) Contents Coverage Limit', '(D) Additional Living Expenses Coverage Limit', and '(E) Estimated Annual Premium'."
    },
    {
      "claimId": "ca-ins-code-10083#c12",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c12",
      "checksum": "c2e3f3054b4a",
      "text": "The prescribed offer language states: 'If you do not accept the offer of earthquake insurance below within 30 days of the mailing of this notice, your insurance company shall presume that you have not accepted this offer of earthquake insurance.'"
    },
    {
      "claimId": "ca-ins-code-10083#c13",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c13",
      "checksum": "c742b68a59af",
      "text": "Section 10083(b) reads: 'If the offer of earthquake coverage made pursuant to Section 10081 is not accepted, the insurer or any affiliated insurer shall be required on an every other year basis to offer earthquake coverage in connection with any continuation, renewal, or reinstatement of the policy following any lapse thereof, or with respect to any other policy that extends, changes, supersedes, or replaces the policy of residential property insurance.'"
    },
    {
      "claimId": "ca-ins-code-10083#c14",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ca-ins-code-10083#c14",
      "checksum": "220d03f73e00",
      "text": "Section 10083(g) reads: 'This section shall become operative on January 1, 2019.' The section note reads 'Amended (as amended by Stats. 2014, Ch. 427, Sec. 2.5) by Stats. 2016, Ch. 549, Sec. 2. (AB 499) Effective January 1, 2017. Section operative January 1, 2019, by its own provisions.'"
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "Does homeowners insurance cover earthquake damage in California?",
      "url": "https://bestinsuranceresearch.com/questions/homeowners-earthquake-california"
    },
    {
      "kind": "Coverage",
      "title": "Homeowners insurance",
      "url": "https://bestinsuranceresearch.com/insurance/homeowners"
    },
    {
      "kind": "Coverage",
      "title": "Landlord / rental dwelling insurance",
      "url": "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling"
    },
    {
      "kind": "Coverage",
      "title": "Residential earthquake insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/residential-earthquake-california"
    },
    {
      "kind": "Module",
      "title": "Residential Property Position (2 checks)",
      "url": "https://bestinsuranceresearch.com/tools/property-position"
    },
    {
      "kind": "Module",
      "title": "California Earthquake Coverage (6 checks)",
      "url": "https://bestinsuranceresearch.com/tools/earthquake-pathways"
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  ],
  "reliedOnByCount": 6,
  "citation": {
    "text": "California Legislative Information (official). \"California Insurance Code Section 10083 (timing and prescribed language of the earthquake offer; every-other-year re-offer).\" unknown. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=10083 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ca-ins-code-10083, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ca-ins-code-10083",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}