Can I sue Bamboo Insurance for bad faith in California?
Yes. Bamboo Insurance is a managing general agent whose California homeowner policies are underwritten by Sutton National Insurance Company, a non-admitted (surplus lines) carrier in California. Both entities are subject to California bad faith law: Insurance Code §790.03, the 10 CCR §2695 Fair Claims Regulations, and the tort of breach of the implied covenant of good faith and fair dealing.
What we see on Bamboo / Sutton files
The recurring patterns on Bamboo-adjusted, Sutton-paper claims tend to cluster around a few specific §790.03(h) violations. The evidence file targets those directly.
- Delayed acknowledgement past the 15-day §2695.5(e) window
- Inflated depreciation on roofing and interior finishes
- Denials that cite no specific policy provision (§2695.7(b)(1) violation)
- Ignored contractor supplements after initial ACV payment
- Adjuster reassignments that restart the internal clock
Non-admitted status matters
Sutton National is a surplus lines carrier in California, which means claims are not backed by the California Insurance Guarantee Association (CIGA). That doesn't change your bad faith rights — but it does raise the stakes on documenting the file cleanly.
Need the evidence organized?
We build the bad faith evidence file for California policyholders: correspondence log, line-item estimate comparison, §790.03 citation map, and an exhibit-ready binder. $95/hour, client-directed.
Open an evidence fileRelated questions
Educational information only. Legal Document Assistants provide evidence services under California Business & Professions Code §6400 et seq.; we do not provide legal advice.