{"id":892637,"date":"2017-07-27T14:26:19","date_gmt":"2017-07-27T20:26:19","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=892637"},"modified":"2017-07-27T14:26:19","modified_gmt":"2017-07-27T20:26:19","slug":"assignment-benefits-part-10-california","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/assignment-benefits-part-10-california\/","title":{"rendered":"Assignment of Benefits, Part 10: California"},"content":{"rendered":"<p>Charles Mathis | <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2017\/07\/articles\/insurance\/assignment-of-benefits-part-10-california\/\" target=\"_blank\">Property Insurance Coverage Law Blog<\/a> | July 17, 2017<\/p>\n<p>The requests from our readers keep coming and in this week\u2019s installment of\u00a0my blog series on Assignment of Benefits (\u201cAOB\u201d)\u00a0we are taking a look at California and how AOBs are handled there.<\/p>\n<p>California Insurance Code \u00a7 520, states as follows, \u201c[a]n agreement not to transfer the claim of the insured against the insurer after a loss has happened, is void if made before the loss.\u201d<\/p>\n<p>The Supreme Court of California confirmed the enforceability of this statute in the case of\u00a0<em>Fluor Corp. v. Superior Court of Orange County<\/em>. There, the court provided an extensive history of case law and statutes in California regarding first and third-party liability insurance policies, and ultimately held:<\/p>\n<blockquote><p>[A]fter [] property damage [] resulting in loss occurs within the time limits of the policy, an insurer is precluded from refusing to honor an insured\u2019s assignment of the right to invoke defense or indemnification coverage regarding that loss. This result obtains even without consent by the insurer\u2014and even though the dollar amount of the loss remains unknown or undetermined until established later by a judgment or approved settlement.<sup>1<\/sup><\/p><\/blockquote>\n<p>As you can see, this decision follows with the majority of states we have reviewed prior to this, and as long as your assignment takes place after a loss, California permits assignment of benefits without the consent of the insurance carrier and despite any anti-assignment language include in the policy.<\/p>\n<p>If you have specific questions on AOBs or would like to see your state come up sooner, please comment below, or send me an email at cmathis@merlinlawgroup.com.<\/p>\n<p>________<\/p>\n<p><sup>1<\/sup>\u00a0<em>Fluor Corp. v. Superior Court of Orange County, et al,,<\/em>\u00a061 Cal.4th 1175, 1224, 354 P.3d 302, 334 (2015).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Charles Mathis | Property Insurance Coverage Law Blog | July 17, 2017 The requests from our readers keep coming and in this week\u2019s installment of\u00a0my blog series on Assignment of Benefits (\u201cAOB\u201d)\u00a0we are taking a look at California and how AOBs are handled there. California Insurance Code \u00a7 520, states as follows, \u201c[a]n agreement not&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/assignment-benefits-part-10-california\/\">Continue reading <span class=\"screen-reader-text\">Assignment of Benefits, Part 10: California<\/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":[9895,10229,88,3],"class_list":["post-892637","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-advise-consult","tag-assignment-of-benefits","tag-california","tag-insurance-claims","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>Assignment of Benefits, Part 10: California - Advise &amp; 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