Plain English Breakdown
Checked against official source text during the last sync.
Rules for Using Aerial Images in Home Insurance
This law requires home insurance companies to tell customers if they use aerial photos, share those photos upon request, and follow strict rules before canceling a policy based on old images.
What This Bill Does
- Requires insurers to notify homeowners that aerial images of their property may be taken or obtained.
- Allows an exception for the notification rule when a claim is already submitted or pending on the property and the images will only be used to evaluate that claim.
- Mandates that insurers provide copies of aerial images to policyholders if they ask for them.
- Includes instructions in the notice explaining how homeowners can request these images.
- Prohibits insurers from canceling coverage based on an aerial image taken more than 180 days before sending a cancellation notice, except as specified.
- Requires insurers that use an aerial image to end coverage to give the homeowner the image, notice of the decision, and a chance to dispute accuracy or verify fixes before the policy ends.
Who It Names or Affects
- Admitted residential property insurance companies
- Homeowners with residential property insurance policies
Terms To Know
- Aerial images
- Photos taken from the air of a property.
- Admitted insurer
- An insurance company officially licensed to do business in the state.
- Terminate coverage
- To end an insurance policy so it no longer provides protection.
Limits and Unknowns
- The law takes effect on July 1, 2026.
- Specific exceptions to the rules are mentioned but not fully detailed in this summary text.