The outline places these rules under Insurance Code §2070, which is the standard fire policy. The valuation rules themselves are in Section 1749.85 and the regulations at 10 CCR §2188.65 and §§2695.182–2695.183.

Training: the homeowners' insurance valuation course is part of, not in addition to, the continuing education required by Section 1749.3, and it needs to be taken only once. A California resident property, casualty or personal lines broker-agent who has not taken it must complete it before estimating replacement value or explaining levels of coverage under a homeowners policy. Passing the license exam does not satisfy it, and client consent does not postpone it.

Who may estimate replacement value or explain levels of coverage (Section 1749.85(b)): - insurer underwriters, actuaries or others the insurer identifies; - licensed property, casualty or personal lines broker-agents; - contractors and architects. Subdivision (c) also preserves licensed appraisers. A mortgage loan officer or an unlicensed agency receptionist is not on the list. An agency's license does not extend to unlicensed staff, and a disclaimer does not change who may speak.