{"id":25482,"date":"2026-10-19T18:30:07","date_gmt":"2026-10-19T18:30:07","guid":{"rendered":"https:\/\/www.insurancejournal.com\/?p=889586"},"modified":"2026-10-19T18:30:07","modified_gmt":"2026-10-19T18:30:07","slug":"california-adds-voluntary-review-before-insurers-file-rate-applications","status":"publish","type":"post","link":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/2026\/10\/19\/california-adds-voluntary-review-before-insurers-file-rate-applications\/","title":{"rendered":"California Adds Voluntary Review Before Insurers File Rate Applications"},"content":{"rendered":"<div><img decoding=\"async\" src=\"https:\/\/www.insurancejournal.com\/img\/social\/opengraph\/ij-social-default-1200x630.png\" class=\"ff-og-image-inserted\"><\/div>\n<ul class=\"nav nav-tabs tabs tabs-entry\">\n<li class=\"active\"><a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2026\/10\/19\/889586.htm\">Article<\/a><\/li>\n<li><a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2026\/10\/19\/889586.htm?comments\" rel=\"nofollow\">0 Comments<\/a><\/li>\n<\/ul>\n<div class=\"article-content clearfix\">\n<p>Insurers seeking personal and commercial lines rate changes in California can go through a voluntary review process that makes the California Department of Insurance\u2019s initial rate analysis public before they formally file rate applications.<\/p>\n<p>California Insurance Commissioner Ricardo Lara on Monday introduced the Comprehensiveness Review Regulation, which allows the CDI to publish initial rate range indications, issues identified in insurer submissions and projected premium savings from its review.<\/p>\n<div class=\"bzn bzn-sized bzn-intext\">\n<ins data-revive-zoneid=\"79\" data-revive-topics=\"carriers\" data-revive-companies data-revive-block=\"1\" data-revive-id=\"36eb7c2bd3daa932a43cc2a8ffbed3a9\"><\/ins> <\/div>\n<p>Insurers can also skip the optional step and proceed directly to the existing rate filing process under Proposition 103, the state\u2019s bedrock property\/casualty insurance law.<\/p>\n<p>The Office of Administrative Law has approved the regulation. According to the CDI, the process is intended to address questions about supporting information from insurers before the formal filing. If CDI reviewers arrive at a lower rate indication, insurers can accept those figures or provide additional information to support the proposed rates.<\/p>\n<p>The American Property Casualty Insurance Association has been reached out to for comment on the new regulation.<\/p>\n<p>The regulation is designed to complement the department\u2019s Complete Rate Application Regulation, which requires insurers to provide comprehensive information before applications are publicly noticed. The department said the new process is intended to reduce delays caused by incomplete submissions.<\/p>\n<p>The regulation retains the state\u2019s intervenor process, which allows third parties to seek compensation for participating in rate proceedings.<\/p>\n<p>The regulation is part of Lara\u2019s Sustainable Insurance Strategy. That strategy also includes regulations finalized in December 2024 allowing insurers to use <a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2024\/12\/13\/804790.htm\">catastrophe models<\/a> and <a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2024\/12\/30\/806461.htm\">reinsurance costs in ratemaking<\/a>, tied to commitments to expand coverage in wildfire-distressed areas. The reinsurance regulation establishes an industry cost standard and limits the amount insurers can pass on to policyholders.<\/p>\n<p>The changes followed insurer pullbacks and requests for substantial rate increases in California\u2019s homeowners market.<\/p>\n<p class=\"tagtag\"> <span class=\"tagtag\">Topics<\/span> <a href=\"https:\/\/www.insurancejournal.com\/location\/california\/\" class=\"btn btn-sm btn-primary tagtag\">California<\/a> <a href=\"https:\/\/www.insurancejournal.com\/carriers\/\" class=\"btn btn-sm btn-primary tagtag\">Carriers<\/a> <\/p>\n<\/p><\/div>\n<div class=\"article-poll\" data-post=\"889586\">\n<div class=\"article-poll-vote\">\n<p>Was this article valuable?<\/p>\n<\/p><\/div>\n<div class=\"article-poll-feedback voted-no\">\n<form class=\"feedback-form\">\n<p>Thank you! Please tell us what we can do to improve this article.<\/p>\n<p> <textarea placeholder=\"Enter your feedback...\"><\/textarea> <button type=\"submit\" class=\"submit\" disabled>Submit<\/button> <button class=\"cancel\">No Thanks<\/button> <\/form>\n<\/p><\/div>\n<div class=\"article-poll-feedback voted-yes\">\n<form class=\"feedback-form\">\n<p>Thank you! <span class=\"percent\"><\/span>% of people found this article valuable. Please tell us what you liked about it.<\/p>\n<p> <textarea placeholder=\"Enter your feedback...\"><\/textarea> <button type=\"submit\" class=\"submit\" disabled>Submit<\/button> <button class=\"cancel\">No Thanks<\/button> <\/form>\n<\/p><\/div>\n<div class=\"article-poll-more-articles\">\n<p class=\"thank-you-text\">Here are more articles you may enjoy.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"subscribe-banner subscribe-banner-in-content-2\">\n<div class=\"content\">\n<h4>Interested in <em>Carriers<\/em>?<\/h4>\n<p>Get automatic alerts for this topic.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Article 0 Comments Insurers seeking personal and commercial lines rate changes in California can go through a voluntary review process that makes the California Department of Insurance\u2019s initial rate analysis public before they formally&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":25483,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[1,76,9],"class_list":["post-25482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-news","tag-proposition-103","tag-west-news"],"jetpack_featured_media_url":"https:\/\/blog.lifeinsurance-orleans.ca\/wp-content\/uploads\/2026\/10\/california-adds-voluntary-review-before-insurers-file-rate-applications.png","_links":{"self":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts\/25482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/comments?post=25482"}],"version-history":[{"count":0,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/posts\/25482\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/media\/25483"}],"wp:attachment":[{"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/media?parent=25482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/categories?post=25482"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.lifeinsurance-orleans.ca\/index.php\/wp-json\/wp\/v2\/tags?post=25482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}