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H1242 • 2025

An Act relative to insurers' usage of aerial images

An Act relative to insurers' usage of aerial images

Active

The official status still shows this bill as active or still awaiting another formal step.

Sponsor
David Henry Argosky LeBoeuf
Last action
2026-01-12
Official status
Referred to House Committee on Ways and Means
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

An Act relative to insurers' usage of aerial images

An Act relative to insurers' usage of aerial images By Representative LeBoeuf of Worcester, a petition (accompanied by bill, House, No.

What This Bill Does

  • An Act relative to insurers' usage of aerial images By Representative LeBoeuf of Worcester, a petition (accompanied by bill, House, No.
  • 1242) of David Henry Argosky LeBoeuf relative to insurers' usage of aerial images.
  • Financial Services.
  • Status: Referred to House Committee on Ways and Means

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-01-12 House

    Bill reported favorably by committee and referred to the committee on House Ways and Means

  2. 2025-09-05 Joint

    Hearing scheduled for 09/15/2025 from 10:30 AM-01:00 PM in A-1

  3. 2025-02-27 House

    Referred to the committee on Financial Services

  4. 2025-02-27 Senate

    Senate concurred

Official Summary Text

An Act relative to insurers' usage of aerial images
By Representative LeBoeuf of Worcester, a petition (accompanied by bill, House, No. 1242) of David Henry Argosky LeBoeuf relative to insurers' usage of aerial images. Financial Services.
Status:
Referred to House Committee on Ways and Means

Current Bill Text

Read the full stored bill text 
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Bill H.1242

SECTION 1. Chapter 175 of the General Laws is hereby amended by inserting after section 4G the following section:-

Section 4H. (a) When utilizing aerial images as part of its coverage determinations, the Massachusetts Property Insurance Underwriting Association or an insurer licensed to write and engaged in the writing of homeowners insurance in the commonwealth shall:

(i) ensure that any non-renewal notice includes copies of date-stamped aerial images of the property that show the specific conditions that are out of compliance with the insurer’s underwriting guidelines and include what if any steps the property owner can take to reverse the insurer’s decision; provided, that photos used in a non-renewal notice shall have been taken within 12 months of the notice date;

(ii) establish a point of contact and a process for currently insured property owners to provide documentation of the completion of the required work that the insurer communicates to the insured in clause (i);

(iii) disclose the factors considered for the risk assessment and establish an appeals process so the property owner can correct any errors or misunderstandings related to their risk score and modify the risk score where warranted;

(iv) provide the currently insured property owner a minimum of 60 days to cure the defects or conditions underlying a non-renewal from the date the insurer notifies the insured of the specific conditions requiring remediation; and

(v) offer a renewal policy to a property owner who submits proof that they have cured the defects or conditions identified in aerial images in the non-renewal notice.

(b) The commissioner shall adopt rules to effectuate the provisions of this section.

SECTION 2. This act shall take effect 180 days following its passage.

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