DV Status
Third-Party DV Recoverable
Statute of Limitations
3 years for property damage
Appraisal Clause
Available in most policies
Key Points for California
Strong consumer protection laws support DV claims
Pure comparative negligence - can recover even if partially at fault
Large market means more comparable sales data available
Insurance companies often initially deny but settle with proper documentation
Important Information
California has some of the strongest consumer protection laws in the nation. The state's pure comparative negligence system means you can recover diminished value even if you were partially at fault, though your recovery will be reduced by your percentage of fault.