Bill > A09272

This bill establishes new regulations for insurers using aerial images (photographs taken from aircraft) when making property insurance coverage decisions. The legislation requires insurers to provide detailed, date-stamped images when sending a non-renewal notice, showing specific property conditions that do not meet underwriting guidelines and explaining steps the property owner can take to address these issues. Insurers must create a clear process for property owners to submit documentation proving they have corrected identified problems, establish an appeal mechanism for consumers to challenge non-renewal decisions, and give property owners a reasonable time period to remedy any defects. The bill mandates that if a property owner successfully addresses the identified conditions, the insurer must offer a renewal policy, though they retain the right to deny renewal for unrelated reasons. The legislation aims to protect consumer rights by ensuring transparency and providing a fair process when insurers use aerial technology to assess property conditions. The new rules will take effect 180 days after becoming law, and the state's insurance superintendent is tasked with developing specific implementation regulations.

Business and Industry

https://www.nysenate.gov/legislation/bills/2025/A9272