Personal Property Appraisal Guides & Insights

SB 495 Explained: California's New 60% Wildfire Insurance Advance Payment Rule

California's SB 495 raises the no-inventory wildfire insurance advance payment to 60% of contents coverage, capped at $350,000, starting January 1, 2026. Here is what changed, what the 100-day window means, and why a documented appraisal still matters for the balance of your claim.