republic-os/legislation/us/states/ca/20152016/ab-499.md

---
type: "Bill"
title: "Insurance: earthquake: mandatory offer."
description: "Existing law provides that a policy of residential property insurance may not be issued or delivered or, under certain circumstances, initially renewed by an insurer unless the named insured is offered coverage for loss or damage caused by an earthquake. The required offer of earthquake coverage is authorized to be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy and must contain certain disclosure language. Existing law provides that when the insurer, agent, or broker establishes delivery of the disclosure form by obtaining the signature of the applicant or insured, or when an insurer, agent, or broker provides the applicant with the disclosure form and the applicant does not return a signed acknowledgment of receipt within 60 days of the date it was provided, there is a conclusive presumption that the insurer, agent, or broker has complied with the disclosure requirements."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20152016"
identifier: "AB 499"
citation: "California AB 499 (20152016)"
classification: ["bill"]
subjects: ["Insurance: earthquake: mandatory offer."]
status: "enacted"
primary_sponsors: ["Cooley"]
version_count: 5
action_count: 24
vote_count: 6
first_action: "2015-02-23"
last_action: "2016-09-24"
source: "openstates"
source_identifier: "ocd-bill/8a3229f4-96b7-48ba-96d0-e25a5dc8ea0a"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201520160AB499"
source_hash: "0e45c18ae045ed19c77f5a9ac724182dadc8a0d68c5c3d9db8dc4acffa0b9616"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ca"]
---

# California AB 499 (20152016) — Insurance: earthquake: mandatory offer.

Existing law provides that a policy of residential property insurance may not be issued or delivered or, under certain circumstances, initially renewed by an insurer unless the named insured is offered coverage for loss or damage caused by an earthquake. The required offer of earthquake coverage is authorized to be made prior to, concurrent with, or within 60 days following the issuance or renewal of a residential property insurance policy and must contain certain disclosure language. Existing law provides that when the insurer, agent, or broker establishes delivery of the disclosure form by obtaining the signature of the applicant or insured, or when an insurer, agent, or broker provides the applicant with the disclosure form and the applicant does not return a signed acknowledgment of receipt within 60 days of the date it was provided, there is a conclusive presumption that the insurer, agent, or broker has complied with the disclosure requirements.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **02/23/15 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB499&version=20150AB49999INT)
2. **06/09/16 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB499&version=20150AB49998AMD)
3. **09/24/16 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB499&version=20150AB49996CHP)
4. **AB499** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201520160AB499)
5. **08/31/16 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201520160AB499&version=20150AB49997ENR)

## Votes

- AB 499 COOLEY Concurrence in Senate Amendments — **80–0** (pass) · lower
- Consent Calendar 2nd — **37–0** (pass) · upper
- Do pass and be ordered to the Consent Calendar — **8–0** (pass) · upper
- With recommendation: That Senate amendments be concurred in. — **12–0** (pass) · lower
- AB 499 COOLEY Consent Calendar Second Day — **78–0** (pass) · lower
- Do pass. To Consent Calendar. — **15–0** (pass) · lower

## Sponsors

- Cooley — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2015-02-23** Read first time. To print. `reading-1`
- **2015-02-24** From printer. May be heard in committee March 26.
- **2015-03-05** Referred to Com. on W., P., & W. `referral-committee`
- **2015-04-28** From committee: Do pass. To Consent Calendar. (Ayes 15. Noes 0.) (April 28). `committee-passage-favorable, committee-passage`
- **2015-04-29** Read second time. Ordered to Consent Calendar. `reading-2, reading-1`
- **2015-05-04** Read third time. Passed. Ordered to the Senate. (Ayes 78. Noes 0. Page 1263.) `reading-3, passage, reading-1`
- **2015-05-04** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2015-05-14** Referred to Com. on N.R. & W. `referral-committee`
- **2015-06-09** In committee: Set, first hearing. Hearing canceled at the request of author.
- **2015-06-19** In committee: Set, second hearing. Hearing canceled at the request of author.
- **2016-06-09** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on N.R. & W. `referral-committee, reading-2, amendment-introduction, amendment-passage, reading-1`
- **2016-06-13** Withdrawn from committee.
- **2016-06-13** Re-referred to Com. on RLS. `referral-committee`
- **2016-06-15** Re-referred to Com. on INS. `referral-committee`
- **2016-06-23** From committee: Do pass. To Consent Calendar. (Ayes 8. Noes 0.) (June 22). `committee-passage-favorable, committee-passage`
- **2016-06-27** Read second time. Ordered to Consent Calendar. `reading-2, reading-1`
- **2016-06-30** Read third time. Passed. Ordered to the Assembly. (Ayes 37. Noes 0. Page 4649.). `reading-3, passage, reading-1`
- **2016-06-30** In Assembly. Concurrence in Senate amendments pending. May be considered on or after July 29 pursuant to Assembly Rule 77.
- **2016-08-01** Re-referred to Com. on INS. pursuant to Assembly Rule 77.2. `referral-committee`
- **2016-08-25** From committee: That the Senate amendments be concurred in. (Ayes 12. Noes 0.) (August 25). `committee-passage`
- **2016-08-30** Senate amendments concurred in. To Engrossing and Enrolling. (Ayes 80. Noes 0. Page 6446.). `committee-passage-favorable, amendment-passage`
- **2016-09-08** Enrolled and presented to the Governor at 4 p.m.
- **2016-09-24** Approved by the Governor. `executive-signature`
- **2016-09-24** Chaptered by Secretary of State - Chapter 549, Statutes of 2016.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/8a3229f4-96b7-48ba-96d0-e25a5dc8ea0a`. Confidence: reported (aggregated from official California legislature records).