California Codes

Cal. Insurance Code § 2070 (2026)

✓ current as of May 2026

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All fire policies on subject matter in California shall be on the standard form, and, except as provided by this article shall not contain additions thereto. No part of the standard form shall be omitted therefrom except that any policy providing coverage against the peril of fire only, or in combination with coverage against other perils, need not comply with the provisions of the standard form of fire insurance policy or Section 2080; provided, that coverage with respect to the peril of fire, when viewed in its entirety, is substantially equivalent to or more favorable to the insured than that contained in such standard form fire insurance policy.

Notes of Decisions

Cited in 38 cases (4 in the last 5 years), 1941–2024 · leading case: Mitchell v. United Nat'l Ins., 2005 Cal. Daily Op. Serv. 2099 (Cal. Ct. App. 2005).

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Mitchell v. United Nat'l Ins., 2005 Cal. Daily Op. Serv. 2099 (Cal. Ct. App. 2005). · cites it 5× “We hold that an insurer may, under Insurance Code sections 331 and 359, rescind a fire insurance policy based on an insured’s negligent or unintentional misrepresentation of a material fact in an insurance application, notwithstanding the willful misrepresentation clause…”

Bialo v. W. Mut. Ins., 115 Cal. Rptr. 2d 3 (Cal. Ct. App. 2001). · cites it 2× “The California limitations period for actions on contracts is four years. (§ 337.”

Berger v. California Ins. Guarantee Ass'n, 27 Cal. Rptr. 3d 583 (Cal. Ct. App. 2005). “9 Although the limitations period in California for actions on contracts is four years (Code Civ.”

Doheny Park Terrace Home-owners Ass'n., Inc. v. Truck Ins. Exch., 2005 Cal. Daily Op. Serv. 8450 (Cal. Ct. App. 2005). “(Ins. Code, § 2070; Fire Ins. Exchange v. Superior Court (2004) 116 Cal.”

Fire Ins. Exch. v. Superior Court, 2004 Cal. Daily Op. Serv. 1890 (Cal. Ct. App. 2004). “(Ins. Code, § 2070.) The form need not be used, however, if other perils are included in the policy, as here, so long as the fire coverage is substantially equivalent to or more favorable to the insured as provided by statute.”

Abdelhamid v. Fire Ins. Exch., 182 Cal. App. 4th 990 (Cal. Ct. App. 2010). “148, § 2 [under the heading “Requirements in case loss occurs”] and continued in the policy form applicable at the present time (Ins. Code, § 2071, subd.”

Enger v. Allstate Ins., 682 F. Supp. 2d 1094 (E.D. Cal. 2009). · cites it 2× “) In Community Assisting Recovery, the plaintiff brought suit against 194 insurance companies under California Business and Professions Code section 17204, alleging that, in violation of California Insurance Code sections 2070 and 2071, the defendants were improperly adjusting…”

Michael v. Aetna Life & Cas. Ins., 106 Cal. Rptr. 2d 240 (Cal. Ct. App. 2001). “Insurance Code section 2071 requires the standard form of fire insurance policy to state, in relevant part: “In case the insured and this company shall fail to agree as to the actual cash value or the amount of loss, then, on the written demand of either, each shall select a…”

Cmty. Assisting Recovery, Inc. v. Aegis Sec. Ins., 2001 Cal. Daily Op. Serv. 8687 (Cal. Ct. App. 2001). “Pursuant to California Insurance Code sections 2070 and 2071, in the absence of some agreement or provision to the contrary in the policy which is substantially equivalent to or more favorable to the insured, an insurer providing fire insurance or related coverage on property in…”

Clarendon Nat'l Ins. v. Ins. Co. of the West, 442 F. Supp. 2d 914 (E.D. Cal. 2006). “Code § 2070, which provided that all fire policies “shall be on the standard form” and shall not contain additions, and that any peril coverage must be substantially equivalent to or more favorable to the insured than that contained in the standard fire insurance policy form.”

Lawrence v. W. Mut. Ins., 204 Cal. App. 3d 565 (Cal. Ct. App. 1988). “) 2 Insurance Code section 2070 requires that all policies contain certain minimum standard provisions which include, pursuant to section 2071, that “No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless all the…”

Li-Lin Sung Lee v. California Capital Ins., 237 Cal. App. 4th 1154 (Cal. Ct. App. 2015). “*1166 (Ins. Code, §§ 2070, 2071.) Under the statutorily mandated appraisal provision, the parties are required to participate in an informal appraisal proceeding in the event there is a disagreement about the actual cash value or the amount of the loss and the insurer or insured…”

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