Limits and sets requirements for insurers' use of aerial images in coverage determinations.

This bill amends the insurance law to establish limitations and requirements for insurers' use of aerial images in coverage determinations. Insurers must include date-stamped images of the property in non-renewal notices, showing conditions out of compliance with underwriting guidelines and steps to reverse the decision. Property owners can submit documentation to cure defects, and insurers must assess the work to ensure defects are corrected. Insurers must offer a renewal policy if defects are cured, but can choose not to renew for unrelated reasons.

Limits and sets requirements for insurers' use of aerial images in coverage determinations.

This bill amends the insurance law to establish limitations and requirements for insurers' use of aerial images in coverage determinations. Insurers must include date-stamped images of the property in non-renewal notices, showing conditions out of compliance with underwriting guidelines and steps to reverse the decision. Property owners can submit documentation to cure defects, and insurers must assess the work to ensure defects are corrected. Insurers must offer a renewal policy if defects are cured, but can choose not to renew for unrelated reasons.