Title INS — California Ins. Code
0 chapters · 3,633 sections in this title.
Ins. Code § 16010.5 Section 16010.5
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The commissioner shall establish insurance disaster assessment teams in accordance with the provisions of this chapter.
Ins. Code § 16011 Section 16011
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(a) Each team shall consist of not more than seven insurance representatives. Insurers doing business in this state that want to participate in the insurance disaster assessment teams shall submit the names of qualified representatives to the commissioner. (b) The commissioner ma…
Ins. Code § 16012 Section 16012
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Upon the occurrence of any state of emergency involving property damage, the commissioner may require any insurance disaster assessment team to assemble for the purpose of assessing the extent, type, and degree of insured damage involved in the emergency.
Ins. Code § 16013 Section 16013
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State and local law enforcement officials shall permit an insurance disaster assessment team to have access to any disaster area as soon as determined safe and practical by the incident commander. The commissioner shall be responsible for the coordination and dispatch of insuranc…
Ins. Code § 16014 Section 16014
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The insurance disaster assessment team may use any of the following techniques to assess the amount of damage: (a) Ground surveying on foot or vehicle, or aerial surveying if necessary. (b) Analysis of data provided by others.
Ins. Code § 16015 Section 16015
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The insurance disaster assessment team shall make a general assessment of the amount and types of damage suffered in an attempt to identify the overall scope of damage.
Ins. Code § 16016 Section 16016
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The insurance disaster assessment team shall compile its findings into a report and submit the report to the commissioner as soon as practical, but not more than five days after completion of the assessment unless authorized by the commissioner. The report shall be developed, in …
Ins. Code § 16020 Section 16020
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The commissioner, in consultation with the Office of Emergency Services and other emergency service agencies, shall establish a method for identification of representatives of insurers.
Ins. Code § 16021 Section 16021
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(a) In accordance with the methods established under Section 16020, the commissioner shall issue identification badges to each insurer insuring property in the state. The insurer shall be responsible for the distribution of the identification badges to appropriate insurer represe…
Ins. Code § 16022 Section 16022
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The commissioner shall distribute identification badges to insurance adjusters for the purpose of identifying persons who should be given access to disaster areas. Every insurer shall maintain a list of adjusters that have been assigned to work in the disaster area.
Ins. Code § 16030 Section 16030
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(a) The commissioner, in cooperation with insurers, the Office of Emergency Services, and other emergency service agencies, shall establish procedures for the coordination of efforts between insurers and their representatives and those of emergency response agencies. (b) The comm…
Ins. Code § 16032 Section 16032
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Any privately owned or operated resources hired by an insurer for the purpose of protecting structures endangered by fire or performing firefighting duties shall report to the incident commander or his or her designee immediately upon arriving at the site of a fire. Those resourc…
Ins. Code § 330 Section 330
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Neglect to communicate that which a party knows, and ought to communicate, is concealment. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 331 Section 331
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Concealment, whether intentional or unintentional, entitles the injured party to rescind insurance. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 332 Section 332
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Each party to a contract of insurance shall communicate to the other, in good faith, all facts within his knowledge which are or which he believes to be material to the contract and as to which he makes no warranty, and which the other has not the means of ascertaining. (Enacted …
Ins. Code § 333 Section 333
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Neither party to a contract of insurance is bound to communicate information of the matters following, except in answer to the inquiries of the other:
Ins. Code § 334 Section 334
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Materiality is to be determined not by the event, but solely by the probable and reasonable influence of the facts upon the party to whom the communication is due, in forming his estimate of the disadvantages of the proposed contract, or in making his inquiries. (Enacted by Stats…
Ins. Code § 335 Section 335
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Each party to a contract of insurance is bound to know: (a) All the general causes which are open to his inquiry equally with that of the other, and which may affect either the political or material perils contemplated. (b) All the general usages of trade. (Enacted by Stats. 1935…
Ins. Code § 336 Section 336
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The right to information of material facts may be waived, either (a) by the terms of insurance or (b) by neglect to make inquiries as to such facts, where they are distinctly implied in other facts of which information is communicated. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 337 Section 337
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Information of the nature or amount of the interest of one insured need not be communicated unless in answer to an inquiry, except as prescribed by section 381, or by the provisions of the insurance contract if such provisions are prescribed by this code as part of a standard for…
Ins. Code § 338 Section 338
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An intentional and fraudulent omission, on the part of one insured, to communicate information of matters proving or tending to prove the falsity of a warranty, entitles the insurer to rescind. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 339 Section 339
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Neither party to a contract of insurance is bound to communicate, even upon inquiry, information of his own judgment upon the matters in question. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 350 Section 350
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A representation may be oral or written. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 351 Section 351
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A representation may be made at the time of, or before, issuance of the policy. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 352 Section 352
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The language of a representation is to be interpreted by the same rules as contracts in general. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 353 Section 353
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A representation as to the future is a promise, unless it is merely a statement of a belief or an expectation. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 354 Section 354
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A representation cannot qualify an express provision in a contract of insurance; but it may qualify an implied warranty. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 355 Section 355
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A representation may be altered or withdrawn before the insurance is effected, but not afterwards. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 356 Section 356
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The completion of the contract of insurance is the time to which a representation must be presumed to refer. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 357 Section 357
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When an insured has no personal knowledge of a fact, he may nevertheless repeat information which he has upon the subject, and which he believes to be true, with the explanation that he does so on the information of others; or he may submit the information, in its whole extent, t…
Ins. Code § 358 Section 358
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A representation is false when the facts fail to correspond with its assertions or stipulations. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 359 Section 359
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If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 360 Section 360
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The materiality of a representation is determined by the same rule as the materiality of a concealment. (Enacted by Stats. 1935, Ch. 145.)
Ins. Code § 361 Section 361
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The provisions of this chapter apply as well to a modification of a contract of insurance as to its original formation. (Enacted by Stats. 1935, Ch. 145.)