Check the renewal or nonrenewal notice on a property policy
Key facts
- Human involvement
- YellowClose supervision
- How AI is used
- From the policy, record the expiration day, whether the contract is property insurance of the kind in Insurance Code chapter 11, the date any renewal offer or nonrenewal notice was delivered or mailed, and whether the notice states a reduction of limits, an elimination of coverage, or the specific reasons for nonrenewal. Do not decide that cover continued. State law governs, and the lawyer confirms the governing state. For example, California.
- What the lawyer must review
- California Insurance Code § 678 sits in the chapter on cancellation and failure to renew certain property insurance. Subdivision (a) requires the insurer, at least 45 days before expiration, to deliver or mail either an offer of renewal contingent on payment of the premium, stating any reduction of limits or elimination of coverage and the insurer’s inquiry telephone number, or a notice of nonrenewal stating the specific reasons and that telephone number. If the insurer fails to do so, subdivision (b) keeps the existing policy in effect, with no change in its terms, for 45 days from the date the offer or notice is delivered or mailed. Subdivision (c) uses 75 days for a notice of nonrenewal of a policy that expires on or after 1 July 2020, and keeps the policy in effect for 75 days from a late notice. 15 U.S.C. § 1012 leaves this notice rule to state insurance law. You decide whether § 678 applies to this policy. State law governs, and the lawyer confirms the governing state. For example, California.
- Written for / version
- United States versionUS
Who does what
| Role | What they do |
|---|---|
| Assistance | Do not begin AI assistance until the responsible lawyer has defined and confirmed its permitted scope. |
| Lawyer | Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output. |
Checklist
- Trace every relied-on figure to its source, confirm dates and assumptions, and independently recalculate totals or derived amounts.
- Confirm the output against the client’s instructions and the complete relevant source material, including omissions or contradictions.
- Resolve exceptions and record the responsible lawyer’s approval of the exact output and intended use.