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---
type: "Bill"
title: "Insurers: declared disaster: homeowners' insurance policies."
description: "(1) Existing law requires an insurer to comply with certain procedures relating to the cancellation of insurance policies, except as specified, in the case of a total loss to the primary insured structure under a residential policy. Among other requirements, an insurer may not cancel coverage while the primary insured structure is being rebuilt, as specified, nor use the fact that the primary insured structure is in damaged condition as a result of the total loss as the sole basis for a decision to cancel the policy, and must offer, at least once, to renew the policy, as specified, if the total loss to the primary insured structure was caused by a disaster."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20172018"
identifier: "SB 824"
citation: "California SB 824 (20172018)"
classification: ["bill"]
subjects: ["Insurers: declared disaster: homeowners' insurance policies."]
status: "enacted"
primary_sponsors: ["Lara"]
version_count: 8
action_count: 33
vote_count: 9
first_action: "2018-01-03"
last_action: "2018-09-21"
source: "openstates"
source_identifier: "ocd-bill/ab87f0ad-97e0-46e6-bd63-0aed7aa06c4a"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB824"
source_hash: "6394e716112f8b625f5410be563130e6a54a9d2d81c045b760ffe3512d4e271b"
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 SB 824 (20172018) — Insurers: declared disaster: homeowners' insurance policies.
(1) Existing law requires an insurer to comply with certain procedures relating to the cancellation of insurance policies, except as specified, in the case of a total loss to the primary insured structure under a residential policy. Among other requirements, an insurer may not cancel coverage while the primary insured structure is being rebuilt, as specified, nor use the fact that the primary insured structure is in damaged condition as a result of the total loss as the sole basis for a decision to cancel the policy, and must offer, at least once, to renew the policy, as specified, if the total loss to the primary insured structure was caused by a disaster.
## Version chain
The bill's text revisions, in order — the diff chain from filing to enrollment.
1. **01/03/18 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82499INT)
2. **04/16/18 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82498AMD)
3. **05/02/18 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82497AMD)
4. **06/28/18 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82496AMD)
5. **08/24/18 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82495AMD)
6. **09/21/18 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82493CHP)
7. **SB824** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB824)
8. **09/04/18 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=201720180SB824&version=20170SB82494ENR)
## Votes
- Do pass as amended and be re-referred to the Committee on [Appropriations] — **80** (pass) · lower
- 3rd Reading SB824 Lara et al. — **275** (pass) · upper
- Unfinished Business SB824 Lara et al. Concurrence — **390** (pass) · upper
- Do pass. — **170** (pass) · lower
- SB 824 Lara Senate Third Reading By AGUIAR-CURRY — **790** (pass) · lower
- Do pass — **51** (pass) · upper
- Do pass and be re-referred to the Committee on [Judiciary] — **80** (pass) · lower
- Do pass as amended, but first amend, and re-refer to the Committee on [Appropriations] — **90** (pass) · upper
- Placed on suspense file — **70** (pass) · upper
## Sponsors
- Lara — primary (person)
- Allen — coauthor (person)
- Dodd — coauthor (person)
- Hill — coauthor (person)
- McGuire — principal coauthor (person)
- Skinner — coauthor (person)
## Timeline
The legislative action history — every referral, reading, and vote.
- **2018-01-03** Introduced. Read first time. To Com. on RLS. for assignment. To print. `introduction, reading-1`
- **2018-01-04** From printer. May be acted upon on or after February 3.
- **2018-01-16** Referred to Com. on I., B. & F.I. `referral-committee`
- **2018-03-15** Withdrawn from committee.
- **2018-03-15** Re-referred to Com. on RLS. `referral-committee`
- **2018-03-15** Re-referred to Com. on INS. `referral-committee`
- **2018-03-23** Set for hearing April 11.
- **2018-04-02** April 11 set for first hearing canceled at the request of author.
- **2018-04-04** Set for hearing April 25.
- **2018-04-16** From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS. `reading-2, referral-committee, amendment-passage, committee-passage, reading-1`
- **2018-05-01** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 9. Noes 0. Page 4884.) (April 25). `committee-passage-favorable, committee-passage, amendment-passage`
- **2018-05-02** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-2, referral-committee, reading-1`
- **2018-05-14** Set for hearing May 22.
- **2018-05-22** May 22 hearing: Placed on APPR. suspense file.
- **2018-05-23** Set for hearing May 25.
- **2018-05-25** From committee: Do pass. (Ayes 5. Noes 1. Page 4297.) (May 25). `committee-passage-favorable, committee-passage`
- **2018-05-25** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2018-05-29** Read third time. Passed. (Ayes 27. Noes 5. Page 4343.) Ordered to the Assembly. `reading-3, passage, reading-1`
- **2018-05-29** In Assembly. Read first time. Held at Desk. `reading-1`
- **2018-06-07** Referred to Coms. on INS. and JUD. `referral-committee`
- **2018-06-20** From committee: Do pass and re-refer to Com. on JUD. (Ayes 8. Noes 0.) (June 20). Re-referred to Com. on JUD. `committee-passage-favorable, committee-passage, referral-committee`
- **2018-06-27** From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 8. Noes 0.) (June 26). `committee-passage-favorable, committee-passage, amendment-passage`
- **2018-06-28** Read second time and amended. Re-referred to Com. on APPR. `amendment-passage, reading-2, referral-committee, reading-1`
- **2018-08-15** From committee: Do pass. (Ayes 17. Noes 0.) (August 15). `committee-passage-favorable, committee-passage`
- **2018-08-16** Read second time. Ordered to third reading. `reading-2, reading-1`
- **2018-08-24** Read third time and amended. `amendment-passage, reading-3, reading-1`
- **2018-08-24** Ordered to third reading.
- **2018-08-28** Read third time. Passed. (Ayes 79. Noes 0. Page 6709.) Ordered to the Senate. `reading-3, passage, reading-1`
- **2018-08-28** In Senate. Concurrence in Assembly amendments pending.
- **2018-08-29** Assembly amendments concurred in. (Ayes 39. Noes 0. Page 5935.) Ordered to engrossing and enrolling. `committee-passage-favorable, amendment-passage`
- **2018-09-06** Enrolled and presented to the Governor at 4 p.m.
- **2018-09-21** Approved by the Governor. `executive-signature`
- **2018-09-21** Chaptered by Secretary of State. Chapter 616, Statutes of 2018.
## Source
OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ab87f0ad-97e0-46e6-bd63-0aed7aa06c4a`. Confidence: reported (aggregated from official California legislature records).