CA SB 878
vetoedInsurance business practices.
California · 2025-2026 Regular Session · upper
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Quick answers
Did CA SB 878 pass?
No. CA SB 878 passed the legislature but was vetoed. Latest recorded action (2026-09-27): In Senate. Consideration of Governor's veto pending.
What is CA SB 878 about?
Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and generally regulates classes of insurance, including fire and residential property insurance. Existing regulations prescribe specified deadlines by which an insurer is required to, among other things, respond to a notice of claim, accept or deny a claim, in whole or in part, and, upon acceptance of a claim in whole or in part, tender payment or otherwise take action to perform its obligation, as specified. This bill, with respect to a claim under a policy of residential property insurance, would codify specified provisions of the regulations prescribing the deadlines above. Existing law specifies the measure of indemnity under an open fire insurance policy that requires payment of actual cash value or replacement cost. Under existing law, the measure of the actual cash value recovery is the amount it would cost the insured to repair, rebuild, or replace the thing lost or injured less a fair and reasonable deduction for physical depreciation based upon its condition at the time of the injury or the policy limit, whichever is less. If an open policy requires the insured to repair, rebuild, or replace the damaged property to collect the full replacement cost, under existing law the insurer is required to pay the actual cash value of the damaged property until the damaged property is repaired, rebuilt, or replaced, at which time the insurer is required to pay the difference between the actual cash value payment made and the full replacement cost reasonably paid to replace the damaged property. If there is a total loss to the insured structure, this bill would require, except under specified circumstances, an insurer to pay the actual cash value associated with the primary structure and other insured structures within 30 calendar days from the date the property is determined to be a total loss. After this payment is made, and after the insurer has received adequate proof of loss and documentation reasonably sufficient to determine the amount payable, the bill would require an insurer to pay the undisputed amount of replacement cost associated with the primary structure and other insured structures, up to the limits in the policy, within 30 calendar days from the occurrence of a specified event. This bill would require interest to accrue if payments are not made within 30 calendar days, as specified. This bill would incorporate additional changes to Section 2051.5 of the Insurance Code proposed by SB 876 to be operative only if this bill and SB 876 are enacted and this bill is enacted last.
Who sponsors CA SB 878?
Pérez is the primary sponsor of CA SB 878, joined by 3 cosponsors.
Description
Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and generally regulates classes of insurance, including fire and residential property insurance. Existing regulations prescribe specified deadlines by which an insurer is required to, among other things, respond to a notice of claim, accept or deny a claim, in whole or in part, and, upon acceptance of a claim in whole or in part, tender payment or otherwise take action to perform its obligation, as specified. This bill, with respect to a claim under a policy of residential property insurance, would codify specified provisions of the regulations prescribing the deadlines above. Existing law specifies the measure of indemnity under an open fire insurance policy that requires payment of actual cash value or replacement cost. Under existing law, the measure of the actual cash value recovery is the amount it would cost the insured to repair, rebuild, or replace the thing lost or injured less a fair and reasonable deduction for physical depreciation based upon its condition at the time of the injury or the policy limit, whichever is less. If an open policy requires the insured to repair, rebuild, or replace the damaged property to collect the full replacement cost, under existing law the insurer is required to pay the actual cash value of the damaged property until the damaged property is repaired, rebuilt, or replaced, at which time the insurer is required to pay the difference between the actual cash value payment made and the full replacement cost reasonably paid to replace the damaged property. If there is a total loss to the insured structure, this bill would require, except under specified circumstances, an insurer to pay the actual cash value associated with the primary structure and other insured structures within 30 calendar days from the date the property is determined to be a total loss. After this payment is made, and after the insurer has received adequate proof of loss and documentation reasonably sufficient to determine the amount payable, the bill would require an insurer to pay the undisputed amount of replacement cost associated with the primary structure and other insured structures, up to the limits in the policy, within 30 calendar days from the occurrence of a specified event. This bill would require interest to accrue if payments are not made within 30 calendar days, as specified. This bill would incorporate additional changes to Section 2051.5 of the Insurance Code proposed by SB 876 to be operative only if this bill and SB 876 are enacted and this bill is enacted last.
- Introduced
- 2026-01-06
- Latest action
- 2026-09-27 — In Senate. Consideration of Governor's veto pending.
- Bill type
- bill
- Last updated
- —
Subjects
Sponsors
- Pérezauthor
- Harabedianprincipal coauthor
- Allencoauthor
- Ochoa Boghcoauthor
Committees
Not provided by source.
Action timeline
Newest first
2026-09-27
In Senate. Consideration of Governor's veto pending.
2026-09-27
Vetoed by the Governor.
executive-veto
2026-09-09
Enrolled and presented to the Governor at 2 p.m.
executive-receipt
2026-08-31
Read third time. Passed. Ordered to the Senate.
passage,reading-1,reading-3
2026-08-31
In Senate. Concurrence in Assembly amendments pending.
2026-08-31
Assembly amendments concurred in. (Ayes 37. Noes 0.) Ordered to engrossing and enrolling.
amendment-passage,committee-passage,committee-passage-favorable
2026-08-31
Read third time. Passed. (Ayes 70. Noes 0. Page 6996.) Ordered to the Senate.
passage,reading-1,reading-3
2026-08-21
Read third time and amended.
amendment-passage,reading-1,reading-3
2026-08-21
Ordered to third reading.
reading-1,reading-3
2026-08-21
Assembly Rule 69(b)(1) suspended.
2026-08-21
Assembly Rule 69(b)(1) suspended. (Ayes 55. Noes 17. Page 6296.)
2026-08-13
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2026-08-13
From committee: Do pass. (Ayes 12. Noes 0.) (August 13).
committee-passage,committee-passage-favorable
2026-08-13
Assembly Rule 63 suspended.
2026-08-05
August 5 set for first hearing. Placed on suspense file.
2026-06-17
From committee: Do pass and re-refer to Com. on APPR. (Ayes 14. Noes 0.) (June 17). Re-referred to Com. on APPR.
committee-passage,committee-passage-favorable,referral-committee
2026-06-10
From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.
amendment-passage,committee-passage,reading-1,reading-2,referral-committee
2026-06-01
Referred to Com. on INS.
referral-committee
2026-05-26
In Assembly. Read first time. Held at Desk.
reading-1
2026-05-26
Read third time. Passed. (Ayes 29. Noes 6. Page 4443.) Ordered to the Assembly.
passage,reading-1,reading-3
2026-05-14
From committee: Do pass. (Ayes 5. Noes 2. Page 4255.) (May 14).
committee-passage,committee-passage-favorable
2026-05-14
Read second time. Ordered to third reading.
reading-1,reading-2,reading-3
2026-05-12
Set for hearing May 14.
2026-05-11
May 11 hearing: Placed on APPR. suspense file.
2026-05-04
Set for hearing May 11.
2026-04-28
Re-referred to Com. on APPR.
referral-committee
2026-04-28
Withdrawn from committee.
withdrawal
2026-04-27
Withdrawn from committee.
withdrawal
2026-04-27
Read second time and amended. Re-referred to Com. on APPR.
amendment-passage,reading-1,reading-2,referral-committee
2026-04-27
Re-referred to Com. on PUB. S.
referral-committee
2026-04-23
From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 4. Noes 2. Page 4011.) (April 22).
amendment-passage,committee-passage,committee-passage-favorable,referral-committee
2026-04-10
Set for hearing April 22.
2026-04-06
From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.
amendment-passage,committee-passage,reading-1,reading-2,referral-committee
2026-03-31
April 8 hearing postponed by committee.
2026-03-27
Set for hearing April 8.
2026-02-11
Referred to Coms. on INS. and PUB. S.
referral-committee
2026-01-07
From printer. May be acted upon on or after February 6.
2026-01-06
Introduced. Read first time. To Com. on RLS. for assignment. To print.
introduction,reading-1,referral-committee
Versions
- 01/06/26 - Introduced — 2026-01-06Compare
- 04/06/26 - Amended Senate — 2026-04-06Compare
- 04/27/26 - Amended Senate — 2026-04-27Compare
- 06/10/26 - Amended Assembly — 2026-06-10Compare
- 08/21/26 - Amended Assembly — 2026-08-21Compare
- 09/04/26 - Enrolled — 2026-09-04Compare
- (document, no version)Compare
- SB878Compare
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Votes
Do pass as amended, but first amend, and re-refer to the Committee on [Appropriations]
2026-04-22 · pass · 4-2
Member-level votes (7)
- Rubio: yes
- Padilla: yes
- Menjivar: yes
- Richardson: yes
- Niello: no
- Jones: no
- Becker: other
Placed on suspense file
2026-05-11 · pass · 7-0
Member-level votes (7)
- Cabaldon: yes
- Dahle: yes
- Richardson: yes
- Cervantes: yes
- Grayson: yes
- Seyarto: yes
- Wahab: yes
Do pass
2026-05-14 · pass · 5-2
Member-level votes (7)
- Wahab: yes
- Cervantes: yes
- Cabaldon: yes
- Richardson: yes
- Grayson: yes
- Dahle: no
- Seyarto: no
3rd Reading SB878 Pérez et al.
2026-05-26 · pass · 29-6
Member-level votes (40)
- Cabaldon: yes
- Ashby: yes
- Wiener: yes
- McGuire: yes
- Stern: yes
- Richardson: yes
- Laird: yes
- Rubio: yes
- Wahab: yes
- Caballero: yes
- Weber Pierson: yes
- Padilla: yes
- Arreguín: yes
- Cervantes: yes
- Durazo: yes
- Blakespear: yes
- Hurtado: yes
- Menjivar: yes
- Pérez: yes
- Grayson: yes
- Umberg: yes
- Archuleta: yes
- Allen: yes
- McNerney: yes
- Cortese: yes
- Reyes: yes
- Becker: yes
- Smallwood-Cuevas: yes
- Limón: yes
- Strickland: no
- Seyarto: no
- Jones: no
- Choi: no
- Alvarado-Gil: no
- Grove: no
- Gonzalez: other
- Valladares: other
- Ochoa Bogh: other
- Dahle: other
- Niello: other
Do pass and be re-referred to the Committee on [Appropriations]
2026-06-17 · pass · 14-0
Member-level votes (17)
- Nguyen: yes
- Calderon: yes
- Valencia: yes
- Ortega: yes
- Papan: yes
- Petrie-Norris: yes
- Wallis: yes
- Ávila Farías: yes
- Gipson: yes
- Harabedian: yes
- Addis: yes
- Berman: yes
- Michelle Rodriguez: yes
- Krell: yes
- Ellis: other
- Hadwick: other
- Chen: other
Related bills
No related bills recorded for this bill.
Official source
Attribution
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