AB 570: Insurance: policy documents.
- Session Year: 2025-2026
- House: Assembly
- Latest Version Date: 2025-02-12
Current Status:
In Progress
(2026-08-12: In committee: Hearing postponed by committee.)
Introduced
In Committee
Awaiting First Chamber Vote
Passed First Chamber
In Committee
Awaiting Second Chamber Vote
Passed Second Chamber
Enacted
What does this bill do?
The bill shortens the time insurers have to give a policyholder a free copy of their fire insurance policy that was in effect at the time of a covered loss from 30 days to 15 days after the policyholder requests it. The copy must still include the full policy, any endorsements, and the declarations page, and policyholders without a covered loss can still request one free copy each year.
The summary is provided by generative AI which can make mistakes. For original language, please view the details in the table below.
Existing law generally regulates classes of insurance, including fire insurance. Existing law requires an insurer, after a covered loss under a fire insurance policy, to provide the insured a free copy of their policy within 30 calendar days of receiving a request from the insured. Existing law authorizes the Insurance Commissioner to extend this period.
This bill would require the insurer to provide the insured a free copy of their fire insurance policy within 15 calendar days of receiving a request from the insured.
(a)After a covered loss under a policy covered by Section 2071, an insurer shall provide to the insured, free of charge, a complete copy of the policy that was in effect at the time of the loss within 30 15 calendar days of receipt of a request from the insured. The time period for providing the policy may be extended by the Insurance Commissioner. The policy provided to the insured shall include, where applicable and without limitation, the full insurance policy, any endorsements to the policy, and the policy declarations page.
(b)An insured under a policy covered by Section 2071 who does not experience a covered loss shall, upon request, be entitled to one free copy of his or her their policy annually. The policy provided to the insured shall include, where applicable and without limitation, the full insurance policy, any endorsements to the policy, and the policy declarations page.
(c)(1)An insurer responding to a request made pursuant to subdivision (a) for a covered loss that was the result of a state of emergency, as defined in Section 8558 of the Government Code, may, and an insurer compliant with the electronic transaction requirements of Section 38.6 shall, upon the request of an insured who has not elected to receive electronic documents pursuant to Section 38.6, transmit or provide access to an electronic copy of the entire policy. Section 38.6 shall not apply to transmitting or providing access to a policy pursuant to this paragraph.
(2)A request of an insured pursuant to paragraph (1) does not constitute a request to participate in electronic transactions or communications for any purpose other than receiving the documents described in this section.
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Date
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Status
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| Aug 12, 2026 | In committee: Hearing postponed by committee. |
| Aug 10, 2026 | In committee: Hearing postponed by committee. |
| Jun 22, 2026 | In committee: Hearing postponed by committee. |
| Jun 10, 2026 | From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 6. Noes 0.) (June 10). Re-referred to Com. on APPR. |
| May 14, 2025 | Referred to Com. on INS. |
| May 1, 2025 | In Senate. Read first time. To Com. on RLS. for assignment. |
| May 1, 2025 | Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 0. Page 1387.) |
| Apr 24, 2025 | Read second time. Ordered to Consent Calendar. |
| Apr 23, 2025 | From committee: Do pass. To Consent Calendar. (Ayes 15. Noes 0.) (April 23). |
| Apr 2, 2025 | From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 17. Noes 0.) (April 2). Re-referred to Com. on APPR. |
| Feb 24, 2025 | Referred to Com. on INS. |
| Feb 13, 2025 | From printer. May be heard in committee March 15. |
| Feb 12, 2025 | Read first time. To print. |
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Date
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Description
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Location
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Votes
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|---|---|---|---|---|
| Jun 10, 2026 | Do pass, but first be re-referred to the Committee on [Appropriations] with the recommendation: To Consent Calendar | Senate Standing Committee on Insurance |
Passed |
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| May 1, 2025 | AB 570 Calderon Consent Calendar Second Day Regular Session | Assembly Floor |
Passed |
|
| Apr 23, 2025 | Do pass. To Consent Calendar. | Assembly Standing Committee on Appropriations |
Passed |
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| Apr 2, 2025 | Do pass and be re-referred to the Committee on [Appropriations] with recommendation: To Consent Calendar | Assembly Standing Committee on Insurance |
Passed |
This list shows positions taken on this bill by organizations on the date displayed, which is linked to the original source.
Positions by individuals are not included.
SENATE COMMITTEE ON INSURANCE
Senator Stephen Padilla, Chair
2025 - 2026 Regular
Bill No: AB 570 Hearing Date: June 10, 2026
Author: | Calderon | ||
Version: | February 12, 2025 Introduced | ||
Urgency: | No | Fiscal: | Yes |
Consultant: | Brandon Seto | ||
SUBJECT: Insurance: policy documents
DIGEST:
Reduces the time an insurer must provide a policyholder, after a covered loss, a copy of their homeowner’s policy to 15 calendar days rather than 30 calendar days, once requested by the policyholder.
ANALYSIS:
Existing law:
- Requires an insurer, after a covered loss, to provide the policyholder a copy of their policy that was in effect at the time of the loss within 30 calendar days of receipt of such a request from the policyholder.
- Specifies that a complete copy of a policy includes: the full policy, any coverage changes to the policy, and the policy declarations page.
- Requires an insurer to provide a policyholder with one copy of their policy annually, upon request.
This bill:
- Requires an insurer to provide the policyholder with a free copy of their insurance policy within 15 calendar days, upon request.
Background
According to the author:
Under existing law, once requested by the policyholder, an insurer has 30 calendar days to provide a policyholder a copy of their policy, free of charge, after suffering a covered loss. The Palisades and Eaton fires highlighted the 30 calendar day duration as inefficient, as policyholders looked to quickly determine coverage for their losses. After catastrophic events such as the recent wildfires, many policyholders do not have a copy of their policy because it was destroyed in the fire. Many would feel more secure having a copy of all specified policy documents sooner rather than later following a covered loss.
Related/Prior Legislation
AB 1799 (Levine, Chapter 69, Statutes of 2018) required insurers to provide a free copy of a fire insurance policy, including endorsements and the declarations page, within 30 days of a request by a policyholder.
ARGUMENTS IN SUPPORT:
None received.
ARGUMENTS IN OPPOSITION:
None received.
SUPPORT:
None.
OPPOSITION:
None.
-- END --
Date of Hearing: April 23, 2025
ASSEMBLY COMMITTEE ON APPROPRIATIONS
Buffy Wicks, Chair
ABPCA Bill Id:AB 570
Author:(Calderon) – As Introduced Ver:February 12, 2025
Policy Committee: | Insurance | Vote: | 17 - 0 |
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Urgency: No State Mandated Local Program: No Reimbursable: No
SUMMARY:
This bill shortens, by 15 days, the time by which an insurer must provide the insured, upon request after a covered loss, a free copy of the insured’s fire insurance policy.
FISCAL EFFECT:
Minor and absorbable costs to the Department of Insurance (CDI) to update related informational materials.
COMMENTS:
- Purpose. According to the author:
Under existing law, once requested by the policyholder, an insurer has 30 calendar days to provide a policyholder a copy of their policy, free of charge, after suffering a covered loss. The Palisades and Eaton fires highlighted the 30 calendar day duration as inefficient, as policyholders looked to quickly determine coverage for their losses. After catastrophic events such as the recent wildfires, many policyholders do not have a copy of their policy because it was destroyed in the fire. Many would feel more secure having a copy of all specified policy documents sooner rather than later following a covered loss.
- Insurance Policy Documents. AB 1799 (Levine), Chapter 69, Statutes of 2018, required an insurer to provide a free copy of the insured’s complete fire insurance policy within 30 days of the insured’s request after a covered loss. This bill shortens the 30-day period to 15 days.
Analysis Prepared by: Irene Ho / APPR. / (916) 319-2081
Date of Hearing: April 2, 2025
ASSEMBLY COMMITTEE ON INSURANCE
Lisa Calderon, Chair
ABPCA Bill Id:AB 570 (
Author:Calderon) – As Introduced Ver:February 12, 2025
SUBJECT: Insurance: policy documents
SUMMARY: Requires an insurer, after a covered loss, to provide a policyholder a free copy of their homeowner’s policy within 15 calendar days instead of 30 calendar days, once requested by the policyholder.
EXISTING LAW:
- Requires an insurer, after a covered loss, to provide the policyholder, free of charge, a complete copy of the policy that was in effect at the time of the loss within 30 calendar days of receipt of a request from the policyholder. (Insurance (Ins.) Code, Section 2084)
- Specifies that a complete copy of the policy includes: the full policy, any endorsements to the policy, and the policy declarations page. (Ins. Code, Section 2084)
- Requires an insurer to provide a policyholder who does not experience a loss, upon request, one free copy of their policy annually. (Ins. Code, Section 2084)
- Provides that if the request for a copy of the policy is a result of a loss in a state of emergency, the insurer may, upon the request of the insured, provide an electronic copy of the entire policy. (Ins. Code, Section 2084)
- Provides that a request by an insured for an electronic copy of the policy does not constitute a request to participate in electronic communications or transactions for any other purpose. (Ins. Code, Section 2084.)
FISCAL EFFECT: Unknown
COMMENTS:
- Background: Under existing law, once requested by the policyholder, an insurer has 30 calendar days to provide a policyholder a copy of their policy, free of charge, after suffering a covered loss. The Palisades and Eaton fires highlighted the 30 calendar day duration as inefficient, as policyholders looked to quickly determine coverage for their losses. After catastrophic events such as the recent wildfires, many policyholders do not have a copy of their policy because it was destroyed in the fire. Many would feel more secure having a copy of all specified policy documents sooner rather than later following a covered loss. Allowing 30 days to elapse after a disaster is far too long. Policyholders need clear knowledge of their coverage. AB 570 intends to strengthen existing law with respect to a policyholder’s right to receive a copy of the fire insurance policy after a loss in a shorter period of time.
- Previous Legislation: AB 1799 (Levine, Chapter 69, Statutes of 2018) required insurers to provide a free copy of a fire insurance policy, including endorsements and the declarations page, within 30 days of a request by a policyholder.
REGISTERED SUPPORT / OPPOSITION:
Support
None on file.
Opposition
None on file.
Analysis Prepared by: Kathleen O'Malley / INS. / (916) 319-2086
Bill Author
Bill Co-Author(s):