2060.

 (a) In the event of a loss, as described in Section 675, under a residential property insurance policy, as defined in Section 10087, for which the insured has made a claim for additional living expenses, the insurer shall provide the insured with a list, in writing, of items that the insurer believes may be covered under the policy as additional living expenses. The list may include a statement that the list is not intended to include all items covered under the policy, but only those that are commonly claimed, if this is the case. If the department develops a list for use by insurers, the insurer may use that list.

(b) Additional living expense coverage under a residential property insurance policy shall include reimbursement for all reasonable additional expenses incurred by the insured in order to maintain a comparable standard of living following a covered loss. These additional costs shall include, but not be limited to, housing, furniture rental, food, transportation, storage, and boarding of pets and livestock. pets.

2061.

 In the event of a covered loss relating to a state of emergency, as defined in Section 8558 of the Government Code, the following special provisions shall apply:

(a) If an insured has made a claim for living expenses related to a total loss, an insurer shall, upon request by an insured, render an advance payment of no less than four months of living expenses or fair rental value. Insurers shall adopt a standard four-month additional living expense or fair rental payment amount. expenses. Additional payment for additional living expenses or fair rental value shall be payable upon proper proof following the advance period.

(b) If an insured has made a claim for contents related to a total loss of a primary residence, an insurer shall render an initial advance payment of no less than 25 percent of the policy limit for contents without the completion of an inventory. Additional payment for contents shall be payable upon request with proper proof.

(c) If an insured has made a claim for contents related to a total loss of a primary residence, an insurer shall not require that the insured use a company-specific inventory form if the insured can provide an inventory using a form that contains substantially the same information. Nothing in this subdivision limits the authority of an insurer to seek additional information from an insured upon receipt of an inventory form submitted by an insured.

(d) If an insured has made a claim for contents related to a total loss of a primary residence, an insurer shall accept an inventory that includes groupings of categories of personal property, including, but not limited to, clothing, shoes, books, food items, CDs, DVDs, or other categories of items for which it would be impractical to separately list each individual item claimed.

(e) If an insured has made a claim for contents related to a total loss of a primary residence, the insurer shall offer no less than 80 percent of the policy limit for contents without requiring the insured to file an itemized claim. The insurer shall notify the insured that the insured retains the option to recover additional benefits if the insured subsequently completes a full inventory.

2062.

 In the event of a state of emergency, as defined in Section 8558 of the Government Code, an insurer shall grant a 30-day grace period for payment of premiums for residential property insurance policies covering a property located within the affected area defined in the state of emergency for a period of 30 days after the emergency. During the grace period, a policy may not be canceled for nonpayment of a premium and a late fee shall not be assessed. This section does not require any change to insurer billing practices regarding billing, automatic payment, or cancellation for nonpayment if the insurer reinstates, without a lapse in coverage or late fees, any policy subject to this section that was canceled for nonpayment of premiums, if requested by the insured and upon reasonably timely payment of all premiums due.