Gardner v. Allstate Ins. Co.
After the 2003 wild fires destroyed the dwellings of homeowners, they filed claims under their homeowners policies. Their insurers later offered to renew their policies for the same coverage limits and premiums, even though the homes were total losses and the homeowners had not rebuilt them. After paying their premiums, the homeowners filed class actions against their insurers alleging the full premiums charged for their nonexistent dwellings violated Californias Unfair Competition Law (Bus. & Prof. Code, 17200 et seq.) (the UCL). The trial court sustained the insurers demurrers and dismissed the actions. Court affirm.
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