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  "id": "cdi-moratorium",
  "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-moratorium",
  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "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": "Mandatory One Year Moratorium on Non-Renewals (consumer page)",
  "publisher": "California Department of Insurance",
  "url": "https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm",
  "officialHost": true,
  "sourceType": "regulator-guidance",
  "authorityLevel": "regulator",
  "primary": true,
  "jurisdiction": "CA",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Updated by the Department as new wildfire emergencies are declared and new moratorium bulletins are issued.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "cdi-moratorium#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-moratorium#c1",
      "checksum": "bbfc97add997",
      "text": "The Department of Insurance states that the one year moratorium on insurance cancellations and non-renewals is authorized under California Insurance Code section 675.1."
    },
    {
      "claimId": "cdi-moratorium#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-moratorium#c2",
      "checksum": "8be9355ca689",
      "text": "The Department states that the protection from cancellation or non-renewal lasts for one year from the date of the Governor's emergency declaration."
    },
    {
      "claimId": "cdi-moratorium#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-moratorium#c3",
      "checksum": "be42e375510f",
      "text": "The Department states that this one year protection applies to all residential policyholders within the affected areas who suffer less than a total loss, including those who suffer no loss."
    },
    {
      "claimId": "cdi-moratorium#c4",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-moratorium#c4",
      "checksum": "30d1241e6c69",
      "text": "The Department states that it coordinates with CAL FIRE and the Governor's Office of Emergency Services to identify wildfire perimeters and adjacent ZIP Codes within the mandatory moratorium areas."
    },
    {
      "claimId": "cdi-moratorium#c5",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/cdi-moratorium#c5",
      "checksum": "8c2d1489f119",
      "text": "The page describes residential property insurance policies and does not describe commercial policies."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Example",
      "title": "A composite homeowner with no fire damage receives a nonrenewal notice after a declared wildfire emergency and reads the statute that governs the moratorium",
      "url": "https://bestinsuranceresearch.com/examples/wildfire-nonrenewal-moratorium"
    }
  ],
  "reliedOnByCount": 1,
  "citation": {
    "text": "California Department of Insurance. \"Mandatory One Year Moratorium on Non-Renewals (consumer page).\" unknown. https://www.insurance.ca.gov/01-consumers/140-catastrophes/MandatoryOneYearMoratoriumNonRenewals.cfm (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record cdi-moratorium, content version 2026.08.31. https://bestinsuranceresearch.com/sources/cdi-moratorium",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}