Association of California Insurance Companies v. Jones

Cuéllar, J.

The Legislature directed the Insurance Commissioner to "promulgate reasonable rules and regulations ... as are necessary to administer" the Unfair Insurance Practices Act. (Ins. Code, § 790.10.) The question before us is whether that statutory authority supports the Insurance Commissioner's 2011 regulation covering replacement cost estimates for homeowners insurance (Cal. Code Regs., tit. 10, § 2695.183 ). We conclude that it does. Accordingly, we reverse the Court of Appeal's judgment invalidating the regulation.

I. BACKGROUND

Wildfires are a fact of life in California, and so, too,…