{"id":892925,"date":"2017-09-20T15:11:59","date_gmt":"2017-09-20T21:11:59","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=892925"},"modified":"2017-09-20T15:11:59","modified_gmt":"2017-09-20T21:11:59","slug":"california-supreme-court-affirms-california-fair-plan-assn-v-garnes-preserves-homeowners-interests","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/california-supreme-court-affirms-california-fair-plan-assn-v-garnes-preserves-homeowners-interests\/","title":{"rendered":"California Supreme Court Affirms California Fair Plan Ass\u2019n v. Garnes, and Preserves Homeowners\u2019 Interests"},"content":{"rendered":"

Stephanie Poll | Property Insurance Coverage Law Blog<\/a> | August 17, 2017<\/p>\n

The California Department of Insurance recently issued a\u00a0press release\u00a0announcing that the California Supreme Court affirmed the homeowner reimbursement protections recently decided in\u00a0California Fair Plan Association v. Garnes<\/em>.1<\/sup>\u00a0Back in June, my colleague\u00a0Kevin Pollack\u00a0wrote about the recent decision and whether actual cash value means fair market value or replacement cost minus depreciation in,\u00a0Does Actual Cash Value Mean Fair Market Value or Replacement Cost Minus Depreciation<\/em><\/a>.<\/p>\n

Last week, the California Supreme Court refused to consider the insurance industry\u2019s petition to overturn a lower court\u2019s decision that insurers must pay to repair a home even if the repair costs exceed the home\u2019s market value. There, a house fire occurred and the homeowner submitted a claim for $320,549 to her insurer, California Fair Plan Association. This amount represented the cost to repair the damaged home, less depreciation. Garne\u2019s FAIR fire insurance policy had a limit of $425,000, yet Fair Plan denied the claim and only paid $75,000, which was determined to be the fair market of the property in 2011 (in large part due to the mortgage-driven recession).<\/p>\n

The supreme court\u2019s refusal to consider the proposal ended an ongoing battle and cemented an important decision that protects homeowners\u2019 interests.\u00a0Insurance Commissioner Dave Jones stated: \u201cThis is an important win for homeowners who should have confidence their insurer will deliver on its promises regardless of housing value fluctuations.\u201d2<\/sup>\u00a0Jones filed an\u00a0amicus<\/em>\u00a0brief in support of Garnes, arguing the Insurance Code entitled Garnes to be reimbursed. The lower court agreed and relied on Jone\u2019s interpretation of the Insurance Code when ruling in Ms. Garne\u2019s favor.<\/p>\n

The Insurance Commissioner appeared as an\u00a0amicus curiae<\/em>, or friend of the court. Jones\u2019 interest was in protecting consumers and ensuring the Insurance Code is properly interpreted and enforced. Our friends over at\u00a0United Policyholders\u00a0also filed an\u00a0amicus<\/em>\u00a0brief\u00a0supporting Garnes and advocating for homeowners\u2019 rights.
\n______________
\n1<\/sup>\u00a0California Fair Plan Ass\u2019n v. Garnes<\/em>, No. A143190, 2017 WL 2303165 (Cal. Ct. App. May 26, 2017).
\n2<\/sup>\u00a0http:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2017\/release082-17.cfm<\/p>\n","protected":false},"excerpt":{"rendered":"

Stephanie Poll | Property Insurance Coverage Law Blog | August 17, 2017 The California Department of Insurance recently issued a\u00a0press release\u00a0announcing that the California Supreme Court affirmed the homeowner reimbursement protections recently decided in\u00a0California Fair Plan Association v. Garnes.1\u00a0Back in June, my colleague\u00a0Kevin Pollack\u00a0wrote about the recent decision and whether actual cash value means fair… Continue reading California Supreme Court Affirms California Fair Plan Ass\u2019n v. Garnes, and Preserves Homeowners\u2019 Interests<\/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":[9914],"tags":[6601,9895,88,6600,10266,23],"class_list":["post-892925","post","type-post","status-publish","format-standard","hentry","category-insurance-coverage","tag-actual-cash-value","tag-advise-consult","tag-california","tag-depreciation","tag-homeowners-rights","tag-insurance-coverage","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nCalifornia Supreme Court Affirms California Fair Plan Ass\u2019n v. 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