A new California bill has been introduced that would require insurance companies to pay homeowners 100% of the coverage for personal belongings lost in natural disasters, eliminating the need for itemized lists of destroyed possessions.
Known as the Eliminate “The List” Act, the bill is aimed at reducing the burden on homeowners who face the devastation of losing their homes in events such as wildfires. The bill was introduced by California Insurance Commissioner Ricardo Lara and State Senator Ben Allen, who represents areas affected by wildfires, including the Pacific Palisades burn zone.
According to Senator Allen, the bill’s goal is to ease the process for homeowners recovering from a total loss: “Californians who have lost their homes should not have to endure the added stress of insufficient coverage or complicated paperwork. This bill is about simplifying recovery and modernizing our approach to data collection, giving us valuable insights into climate risks and improving our future insurance practices.”
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If enacted, the bill would make California the first state to mandate full payouts from insurers without requiring a detailed inventory. This approach differs from similar bills proposed in other states like Oregon and Colorado, where measures would have required insurers to pay 70% and 65% of the coverage limit respectively, in the absence of itemization.
The bill is part of a broader legislative package that includes 10 proposals aimed at improving wildfire response and protecting homeowners, such as offering greater insurance protection and preventing the non-renewal of policies in high-risk areas.
California previously passed a law in 2020 allowing insurers to pay 30% of a policy’s dwelling limit without an inventory if a total loss occurs during a state of emergency. This new proposal would go even further, providing more comprehensive coverage for victims of natural disasters
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