AB-75 • 2026

Residential property insurance images.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Calderon
Last action: 2025-08-29
Official status: In committee: Held under submission.
Effective date: Not listed

Plain English Breakdown

The bill summary and digest do not specify exceptions to the prohibition of using images more than 180 days old, but mention 'except as specified.'

Rules for Insurance Companies Using Aerial Images

AB-75 requires admitted insurance companies to inform homeowners about aerial images taken of their property and limits when these images can be used to end insurance coverage.

What This Bill Does

Requires admitted insurers to notify residential property insurance policyholders if they plan to take or obtain aerial images of the insured property, unless a claim has been submitted or is pending on the property and the images will only be used for evaluating that claim.
Allows homeowners to request copies of any aerial images taken of their property.
Prohibits admitted insurers from basing a decision to terminate insurance coverage on an aerial image taken more than 180 days before sending notice of that decision to the policyholder, except as specified.
Requires admitted insurers to provide the homeowner with the aerial image and notice if they plan to end coverage because of an image, along with the opportunity to dispute it.

Who It Names or Affects

Homeowners who have residential property insurance
Admitted insurance companies that provide residential property insurance

Terms To Know

Admitted insurer: An insurance company that is allowed to sell policies in a state and follows the state's rules.
Aerial image: A picture taken from above, usually by an airplane or drone.

Limits and Unknowns

The bill only applies to admitted insurers.
It does not cover images used for claims that are already filed or pending.
The rules start on July 1, 2026.

Bill History

2025-08-29 California Legislative Information
In committee: Held under submission.
2025-08-18 California Legislative Information
In committee: Referred to suspense file.
2025-07-16 California Legislative Information
From committee: Do pass and re-refer to Com. on APPR. (Ayes 13. Noes 0.) (July 15). Re-referred to Com. on APPR.
2025-07-10 California Legislative Information
From committee: Do pass and re-refer to Com. on JUD. (Ayes 7. Noes 0.) (July 9). Re-referred to Com. on JUD.
2025-07-01 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on INS.
2025-06-18 California Legislative Information
Referred to Coms. on INS. and JUD.
2025-06-04 California Legislative Information
In Senate. Read first time. To Com. on RLS. for assignment.
2025-06-03 California Legislative Information
Read third time. Passed. Ordered to the Senate. (Ayes 76. Noes 1. Page 2000.)
2025-05-27 California Legislative Information
Read second time. Ordered to third reading.
2025-05-23 California Legislative Information
Read second time and amended. Ordered returned to second reading.
2025-05-23 California Legislative Information
From committee: Amend, and do pass as amended. (Ayes 11. Noes 0.) (May 23).
2025-05-23 California Legislative Information
Assembly Rule 63 suspended. (Ayes 51. Noes 16. Page 1644.)
2025-05-14 California Legislative Information
In committee: Set, first hearing. Referred to suspense file.
2025-05-01 California Legislative Information
From committee: Do pass and re-refer to Com. on APPR. (Ayes 13. Noes 0.) (May 1). Re-referred to Com. on APPR.
2025-04-23 California Legislative Information
Re-referred to Com. on P. & C.P.
2025-04-22 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to Com. on P. & C.P. Read second time and amended.
2025-04-02 California Legislative Information
From committee: Do pass and re-refer to Com. on P. & C.P. (Ayes 15. Noes 0.) (April 2). Re-referred to Com. on P. & C.P.
2025-02-12 California Legislative Information
Re-referred to Com. on INS.
2025-02-11 California Legislative Information
From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.
2025-02-03 California Legislative Information
Referred to Coms. on INS. and P. & C.P.
2025-01-06 California Legislative Information
Read first time.
2024-12-17 California Legislative Information
From printer. May be heard in committee January 16.
2024-12-16 California Legislative Information
Introduced. To print.

Official Summary Text

AB 75, as amended, Calderon.
Residential property insurance images.
Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires an insurer to send various notices to a policyholder at specified intervals.
This bill would require an admitted insurer to notify a residential property insurance policyholder that aerial images may be taken or obtained of the insured property, as specified, unless a claim has been submitted or is pending on the property and the images will be used only for evaluating the claim. The bill would require the insurer to provide the aerial images upon request, as specified, and would require the notice to include instructions regarding how a policyholder may make that request.
This bill would prohibit an admitted insurer from basing a decision to terminate insurance coverage, as defined,
on an aerial image taken more than 180 days prior to sending notice of that decision to the policyholder, except as specified. The bill would require an admitted insurer that bases a decision to terminate insurance coverage on an aerial image to provide the policyholder with that aerial image, notice of that decision, and the opportunity to dispute the accuracy of the image, and to verify remediation, before the effective date of the decision to terminate insurance coverage.
This bill would make the above-described provisions operative on July 1, 2026.

Current Bill Text

Read the full stored bill text

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