Bill > AB75

This bill introduces new regulations for residential property insurance related to aerial imagery. It requires admitted insurers to notify policyholders annually that they may take or obtain aerial images of insured properties, with a specific notice in bold 14-point font explaining the policyholder's rights. The notice must inform homeowners that they can request copies of these aerial images and that if an image is used in a decision to cancel or reduce insurance coverage, the policyholder has the right to dispute the image's accuracy and request an in-person physical inspection to verify the image's details. The bill prohibits insurers from using aerial images older than 180 days to make coverage decisions unless the conditions have been verified through a recent physical inspection. If an insurer decides to terminate coverage based on an aerial image, they must provide the image to the policyholder along with the termination notice and give the homeowner an opportunity to dispute the image's accuracy or verify remediation before the coverage termination takes effect. The provisions of this bill will become operative on July 1, 2026, and aim to provide transparency and protection for homeowners in the insurance underwriting process by regulating the use of aerial images.

Budget and Finance, Business and Industry

https://leginfo.legislature.ca.gov/faces/billStatusClient.xhtml?bill_id=202520260AB75