Commissioner Lara’s new regulation, California Code of Regulations Section 2644.9. Consideration of Mitigation Factors; Wildfire Risk Models, effective Oct. 14, 2022, required those insurers that differentiate property insurance rates based on wildfire risks to submit applications for new or modified rating plans to the department that recognize and reward safety and mitigation efforts.

The applications were due no later than April 12, 2023 (180 days after the effective date of the regulation).