MT · regulation notes
Montana wildfire insurance & regulation
Paraphrased from official DOI / residual-market materials. Not legal advice — confirm live pages before relying on day counts or dollar limits.
FAIR / residual market
No residential FAIR Plan was found in CSI materials reviewed. Residual path: surplus lines / specialty markets when the admitted market is unavailable.
Non-renewal & notices
CSI Advisory Memorandum (July 2, 2025) states that refusals/cancellations/nonrenewals/limitations based on wildfire threat for property without substantially increased risk may violate MCA 33-18-210(7) geographic unfair-discrimination rules — expectation of case-by-case underwriting. Exact advance-notice day count: verify Montana Insurance Code / CSI materials.
Mitigation credits & disclosure
MCA 33-16-117: if an admitted insurer uses a wildfire risk score in residential property rating, on request it must provide within 30 days the current score, range, scoring entity, date created, and key adverse factors. Does not apply to nonadmitted insurers. Grants disclosure, not a CA-style formal appeal hearing.
Risk-score / appeal path
Use the statutory disclosure-on-request right, then challenge facts in writing. CSI unfair-discrimination advisory is a separate lever when geography alone drives refusals without substantially increased risk.
Homeowner takeaways
- Request your wildfire score package in writing under MCA 33-16-117.
- Keep mitigation evidence for case-by-case underwriting discussions.
- Contact CSI consumer service if geographic refusals look blanket.