My notice arrived before the fire. Does the moratorium help?

The bulletins require insurers to offer to rescind notices issued on or after the declaration date that were based on wildfire risk. For notices sent before the declaration, ask the insurer and the Department of Insurance how the bulletin applies.

Does the moratorium cover a non-renewal for my roof or claims?

It covers non-renewals based solely on the property being in the fire area (wildfire risk). Other reasons, and the listed exceptions, are not covered.

California wildfire moratorium: is your home protected?

Updated September 28, 2026· Sources verified September 26, 2026· Educational information, not legal advice

Short answer

After a declared wildfire emergency, the Insurance Commissioner can order a one-year moratorium in the affected and adjacent ZIP codes. During it, insurers may not cancel or refuse to renew a residential policy solely because the home is in an area where a wildfire occurred, and must offer to rescind such notices sent on or after the declaration. Moratoria have exceptions and end after one year.

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Is your ZIP code in an active moratorium area?

Enter a 5-digit California ZIP code. The check runs in your browser.

Moratoria active today

Pack Fire
Mono County · 4 ZIP codes · One year from December 9, 2025 (ends December 9, 2026)
CDI Bulletin 2025-17
Gifford Fire
San Luis Obispo and Santa Barbara counties · 29 ZIP codes · One year from December 23, 2025 (ends December 23, 2026)
CDI Bulletin 2026-01
Gann Fire
Calaveras County · 22 ZIP codes · One year from August 6, 2026 (ends August 6, 2027)
CDI Bulletin 2026-6

Each moratorium lasts one year from the declaration of emergency. Status on this page is recalculated daily from the dates in the Department of Insurance's bulletins.

What a moratorium does

Insurers may not cancel or refuse to renew based solely on the property being in a fire area.
Insurers must offer to rescind such notices issued on or after the declaration date.
It applies to residential policies in effect when the emergency was declared (some recent bulletins include commercial policies).

Exceptions

Willful or grossly negligent acts or omissions by the named insured that materially increase the risks insured against (§ 675.1(c)(1))
Losses unrelated to the post-disaster condition that collectively make the risk ineligible for renewal (§ 675.1(c)(2))
Physical or risk changes beyond the catastrophe-damaged condition that make the property uninsurable (§ 675.1(c)(3))

What to do if you think it applies

Check the date on your notice against the declaration date
And your ZIP code against the bulletin list.
Ask the insurer in writing whether it will rescind the notice
Reference the bulletin number.
Contact the Department of Insurance if the insurer doesn't respond
How to contact CDI.

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Official sources

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