Law360 (October 4, 2018, 1:48 PM EDT) -- The 2017-2018 California wildfires and mudslides spurred the introduction of a multitude of legislative proposals in the California Legislature. While the proposals addressed more than just insurance-related issues, many of them focused on insurance subjects that would have altered insurers' contractual obligations and would have required homeowners insurers to make extraordinary changes to their rating and underwriting practices.
For example, an early version of Senate Bill 894 would have allowed a homeowner, when his or her home was damaged during a declared disaster, to combine policy limits for the primary dwelling, other structures, contents and additional living expenses; the combined limits...
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