CDI Notices, Bulletins & Guides

Comprehensive guide issued annually by CDI to all licensed adjusters and insurers. Covers fair claims handling requirements, timelines, documentation, and importantly states that labor is not subject to depreciation. This is the key CDI authority on labor depreciation.

Key authority: labor is not subject to depreciation

Required annual notice that insurers must provide to policyholders after a declared state of emergency. Summarizes key California laws affecting residential property claims including replacement cost rights, ALE minimums, and policyholder protections.

Prior year version of the annual significant laws notice. Useful for claims arising from 2024 events.

CDI order requiring insurers to fully comply with California law regarding disclosure of claim-related documents. Insurers must provide all estimates, reports, findings, and calculations — whether preliminary or final — that relate to the loss and evaluation of damages. Issued after reports that adjusters were creating estimates but refusing to share them with policyholders.

Earlier CDI notice establishing the insurer's duty to provide claim-related documents upon request. This notice has been reissued multiple times because insurers continue to resist providing documents.

CDI bulletin requiring insurers to fully and fairly investigate smoke damage claims. Establishes that insurers cannot summarily deny smoke claims, must contract and pay for testing when warranted, and that this applies to all insurers including the California FAIR Plan.

Report from CDI's Smoke Claims and Remediation Task Force developing standards for inspection, testing, remediation, and restoration of smoke-damaged residential properties. Addresses the role of industrial hygienists and environmental consultants.