{"id":716666,"date":"2015-04-24T08:59:45","date_gmt":"2015-04-24T14:59:45","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=716666"},"modified":"2015-04-27T09:00:32","modified_gmt":"2015-04-27T15:00:32","slug":"a-new-twist-in-the-california-debate-over-allegedly-inadequate-replacement-cost-limits-in-homeowners-policies","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/a-new-twist-in-the-california-debate-over-allegedly-inadequate-replacement-cost-limits-in-homeowners-policies\/","title":{"rendered":"A New Twist in the California Debate Over Allegedly Inadequate Replacement Cost Limits in Homeowners\u2019 Policies"},"content":{"rendered":"<p>Joann Selleck and Maria Louise (Ria) Cousineau\u00a0| Cozen O&#8217;Connor&#8217;s Property Insurance Law Observer | April 15, 2015<\/p>\n<p>The April 8, 2015 decision of the California Court of Appeals in Ass\u2019n. of Cal. Insurance Companies v. Jones, 2015 WL 1569669, 2015 Cal. App. LEXIS 298 (Cal.Ct.App., Apr. 8, 2015) held that the state\u2019s Insurance Commissioner overstepped his authority in attempting to regulate the content and format of replacement cost estimates under homeowners\u2019 insurance policies.\u00a0 Although the legislature may choose to provide such a definition, it has not done so.\u00a0 While the sufficiency of policy limits remains a concern in the insurance industry and there are other valid statutes in effect that address replacement cost, pending a potential appeal of the decision the Regulation at issue, Title 10, Cal. Code of Regulations, \u00a72695.183, is therefore no longer effective.<\/p>\n<p>Fire victims, whose homes have been lost in any number of Southern California wildfires, have repeatedly argued that their replacement cost limits were insufficient to cover their rebuilding costs. \u00a0\u00a0Historically, many such homeowners filed lawsuits against their brokers or their insurers, alleging negligence and misrepresentation in policy placement.\u00a0 Insurers, community activists, and others have held numerous public hearings on the subject, and agencies have conducted studies to assess the adequacy of replacement cost limits in homeowners\u2019 policies over the last decade. \u00a0Attempting to remedy some of these concerns, effective in June 2011, the Insurance Commissioner issued\u00a0 \u00a72695.183.\u00a0 Entitled \u201cStandards for Estimates of Replacement Value,\u201d this elaborate Regulation set forth requirements for establishing replacement cost limits for homeowner\u2019s policies.<\/p>\n<p>The Association of California Insurance Companies (ACIC) filed a declaratory relief complaint against the Insurance Commissioner, arguing: (1) that the Regulation was invalid because the Commissioner lacked the authority to regulate the underwriting of homeowners insurance; \u00a0(2) that Cal. Ins. Code \u00a7 790.03 (the \u201cUnfair Insurance Practices Act\u201d or UIPA) did not authorize the imposition of a single detailed method for estimating the replacement cost of houses; and (3) that the Regulation violated the insurance companies\u2019 free speech rights under the First Amendment of the United States Constitution. \u00a0ACIC also argued that the Regulation was ineffective because it rendered, as unfair and deceptive, estimates that were accurate but not in the format directed by the Regulation while at the same time it did not sanction an inaccurate estimate that complied with its format and content requirements.<\/p>\n<p>After a bench trial consisting of lengthy briefing and oral argument, the trial court sided with ACIC and agreed that the Insurance Commissioner lacked the authority to enact \u00a72695.183.\u00a0 On behalf of the Commissioner, the Attorney General appealed.\u00a0 On April 8th, the California Court of Appeal for the Second Appellate District issued an opinion that affirmed the trial court and held that the Insurance Commissioner did not have authority to promulgate the Regulation under the authority delegated to him by UIPA.<\/p>\n<p>The court\u2019s opinion provides an intricate discussion of statutory construction, the extent of legislative authority, and the arguments made both by the insurers that brought the declaratory judgment action and by the policyholders and amici who were defendants.<\/p>\n<p>The appellate court concluded that the California legislature, with limited exceptions not applicable here, was the only body with authority to add new definitions of what constituted a violation of Cal. Ins. Code \u00a7790.03.\u00a0 \u00a0The court noted that while the legislature could have defined the content and format of replacement cost estimates and could have determined that inadequate replacement cost estimates should be included in the list of unfair and deceptive practices under UIPA, it had chosen not to do so.\u00a0 Further, the court concluded that UIPA did not give the Insurance Commissioner the authority to regulate the content and format of replacement cost estimates.<\/p>\n<p>We expect the defendants will seek an appeal with the state Supreme Court.<\/p>\n<p>via <a href=\"http:\/\/propertyinsurancelawobserver.com\/2015\/04\/15\/a-new-twist-in-the-california-debate-over-allegedly-inadequate-replacement-cost-limits-in-homeowners-policies\/\">A New Twist in the California Debate Over Allegedly Inadequate Replacement Cost Limits in Homeowners\u2019 Policies | Cozen O&#8217;Connor&#8217;s Property Insurance Law Observer<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joann Selleck and Maria Louise (Ria) Cousineau\u00a0| Cozen O&#8217;Connor&#8217;s Property Insurance Law Observer | April 15, 2015 The April 8, 2015 decision of the California Court of Appeals in Ass\u2019n. of Cal. Insurance Companies v. Jones, 2015 WL 1569669, 2015 Cal. App. LEXIS 298 (Cal.Ct.App., Apr. 8, 2015) held that the state\u2019s Insurance Commissioner overstepped&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/a-new-twist-in-the-california-debate-over-allegedly-inadequate-replacement-cost-limits-in-homeowners-policies\/\">Continue reading <span class=\"screen-reader-text\">A New Twist in the California Debate Over Allegedly Inadequate Replacement Cost Limits in Homeowners\u2019 Policies<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[7909,7911,7910],"class_list":["post-716666","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-cost-estimates","tag-homeowners-policies","tag-replacement-cost-limits","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A New Twist in the California Debate Over Allegedly Inadequate Replacement Cost Limits in Homeowners\u2019 Policies - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/a-new-twist-in-the-california-debate-over-allegedly-inadequate-replacement-cost-limits-in-homeowners-policies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A New Twist in the California Debate Over Allegedly Inadequate Replacement Cost Limits in Homeowners\u2019 Policies - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"Joann Selleck and Maria Louise (Ria) Cousineau\u00a0| Cozen O&#8217;Connor&#8217;s Property Insurance Law Observer | April 15, 2015 The April 8, 2015 decision of the California Court of Appeals in Ass\u2019n. of Cal. 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