Coverage description
An Insurance Services Office (ISO) standard form. It amends commercial property, inland marine, equipment breakdown and farm coverage for California, changing the fraud condition for fire and non-fire losses, the appraisal condition, and proof of loss duties after a state of emergency.
How the form has changed
3 changes across 2 revisions, newest first. Each edition is compared with the one before it, using wording from filed copies.
07 26 edition
Jul 2026, compared with 07 20Latest editionFor a loss tied to a California state of emergency, you must send a sworn proof of loss within 60 days after the insurer asks, but no sooner than 100 days after the loss, with three-month extensions for good cause.
07 20
Not in this edition
07 26
“In the event of a loss relating to a state of emergency under California Law”
07 20 edition
Jul 2020, compared with 09 07Appraisal can now be used to settle disagreements over actual cash value, not only the value of the property and the amount of loss.
09 07
“the value of the property or the amount of loss”
07 20
“the value of the property or the actual cash value or the amount of loss”
After a government-declared disaster, either party may request appraisal, but it cannot be compelled.
09 07
Not in this edition
07 20
“appraisal may be requested by either you or us but shall not be compelled”
Editions
Edition dates as filed, newest first. Filing counts include every state submission that lists the edition.
| Edition | Filings | Companies | States | Filed |
|---|---|---|---|---|
| 07 26Jul 2026Latest | 4 | 1 | 1 | Dec 2025 to Dec 2025 |
| 07 20Jul 2020 | 68 | 51 | 1 | Nov 2021 to Oct 2026 |
| 09 07Sep 2007 | 3 | 2 | 1 | Feb 2024 to Jan 2026 |
What the filings show
- Edition in use: in the past 12 months, 3 companies filed the 07 20 edition and 1 company filed 09 07.
- The latest edition, 07 26, has been filed by Insurance Services Office, Inc in 1 state since Dec 24, 2025. No carrier filings list it yet.
- IL 02 70 (California Changes - Cancellation and Nonrenewal) is filed alongside it most often, in 73 of the same filings (97%).
Filed under
Data from admitted P&C filings with state insurance departments, submitted Oct 2021 to Oct 2026, excluding withdrawn and rejected filings. One filing can cover several affiliated companies.
Carriers filing this form
The 10 carrier groups with the most filings that include IL 01 04, out of 33 in total.
| Carrier | Filings | States | Editions, most filed first | Last filed |
|---|---|---|---|---|
| Amtrust Financial Services Group9 group companies filed it, led by CorePointe Insurance Company and Milford Casualty Insurance Company | 9 | 1 | 07 20 | Apr 10, 2025 |
| ACP Insurance Mgmt LLC GroupAccelerant National Insurance Company | 7 | 1 | 07 20 | Mar 21, 2025 |
| Guideone Insurance GroupGuideOne Mutual Insurance Company | 4 | 1 | 07 20 | May 15, 2025 |
| Insurance Services Office, Inc.Advisory Organization | 4 | 1 | 07 26 | Dec 24, 2025 |
| Markel Corporation Group2 group companies filed it, led by Markel Insurance Company and Markel American Insurance Company | 4 | 1 | 07 20 | May 11, 2023 |
| WR Berkley Corporation Group2 group companies filed it, led by Intrepid Casualty Company and StarNet Insurance Company | 4 | 1 | 07 20 | Oct 16, 2023 |
| Church Mutual GroupChurch Mutual Insurance Company, S.I. | 3 | 1 | 07 20 | Dec 22, 2022 |
| Nationwide Corporation Group3 group companies filed it, led by Allied Insurance Company of America and Nationwide Agribusiness Insurance Company | 3 | 1 | 07 20 | Jan 19, 2022 |
| Sentry Insurance Group3 group companies filed it, led by Middlesex Insurance Company and Sentry Insurance a Mutual Company | 3 | 1 | 07 20 | Aug 26, 2024 |
| AU Holding Company GroupPennsylvania Insurance Company | 2 | 1 | 07 20 | Feb 29, 2024 |
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States
Number of filings that include IL 01 04 in each state, Oct 2021 to Oct 2026. Darker states have more filings.
Often filed with
Standard-style form numbers that appear in the same filings most often.
- IL 02 70California Changes - Cancellation and Nonrenewal73 filings
- IL 01 02California Changes - Actual Cash Value55 filings
- IL 00 17Common Policy Conditions53 filings
- IL 09 52Cap on Losses From Certified Acts of Terrorism47 filings
- IL 09 85Disclosure Pursuant to Terrorism Risk Insurance Act45 filings
- IL 00 03Calculation of Premium43 filings
- IL 09 35Exclusion of Certain Computer- Related Losses43 filings
- IL 12 01Policy Changes42 filings
- IL 09 53Exclusion of Certified Acts of Terrorism40 filings
- CP 00 90Commercial Property Conditions29 filings
Recent filings
Latest filings that include this form number. Filed copies open in FilingFocus.
| Submitted | Company | State | Editions | Tracking number |
|---|---|---|---|---|
| Oct 22, 2026 | The Guarantee Company of North America USA | CA | 07 20 | SPRO-G135017985 |
| Aug 25, 2026 | Incline National Insurance Company | CA | 07 20 | MRTN-135058017 |
| Aug 25, 2026 | Incline Casualty Company | CA | 07 20 | MRTN-135059288 |
| Jan 13, 2026 | Next Insurance US Company | CA | 09 07 | NXUS-134766937 |
| Dec 24, 2025 | Insurance Services Office, Inc. | CA | 07 26 | ISOF-134782239 |
| Dec 24, 2025 | Insurance Services Office, Inc. | CA | 07 26 | ISOF-134782242 |
| Dec 24, 2025 | Insurance Services Office, Inc. | CA | 07 26 | ISOF-134783797 |
| Dec 24, 2025 | Insurance Services Office, Inc. | CA | 07 26 | ISOF-134783803 |
| Sep 8, 2025 | Starr Indemnity and Liability Company | CA | 07 20 | AUTH-134647369 |
| Sep 4, 2025 | Oregon Mutual Insurance Company | CA | 07 20 | ORMU-134647779 |
| Jun 23, 2025 | Arch Insurance Company | CA | 07 20 | AICO-G134578131 |
| May 15, 2025 | GuideOne Mutual Insurance Company | CA | 07 20 | GDEA-134517010 |
Most filed ISO IL forms
- IL 00 17 Common Policy Conditions
- IL 12 01 Policy Changes
- IL 00 21 Nuclear Energy Liability Exclusion Endorsement (Broad Form)
- IL DS 00 Common Policy Declarations
- IL 09 85 Disclosure Pursuant to Terrorism Risk Insurance Act
- IL 00 03 Calculation of Premium
- IL 09 52 Cap On Losses From Certified Acts Of Terrorism
- IL 09 53 Exclusion of Certified Acts of Terrorism
- IL 09 98 Disclosure of Premium Through End of Year For Certified Acts of Terrorism Coverage (Pursuant to Terrorism Risk Insurance Act)
- IL 09 35 Exclusion of Certain Computer-Related Losses
- IL 09 99 Disclosure of Premium and Estimated Premium for Certified Acts of Terrorism Coverage (Pursuant to Terrorism Risk Insurance Act)
- IL 09 17 Resident Agent Countersignature Endorsement
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