Bill > HB1261

This bill requires insurers that provide property insurance to take specific actions when using aerial images, which are photos of a property taken from an airplane or drone, to help decide not to renew a policy. If an insurer uses these images to determine nonrenewal, they must include in the nonrenewal notice information on how the policyholder can get copies of aerial images taken within the last year that show specific property issues not meeting the insurer's guidelines, and that the policyholder has ten days from receiving the notice to request these images. The notice must also explain what steps the policyholder can take to potentially reverse the nonrenewal decision. Furthermore, insurers must set up a way for policyholders to provide proof that any identified property issues have been fixed, and establish an appeal process to address errors or misunderstandings related to the property's risk score, which is a system used to assess the likelihood of a claim. Policyholders will have at least sixty days to fix any identified issues, and if they provide proof of correction, the insurer generally cannot refuse to renew the policy for those specific reasons, although the insurer can inspect the repairs. The bill also clarifies that nonrenewal notices must be sent at least sixty days before the policy expires, an increase from the previous twenty days.

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https://iga.in.gov/legislative/2026/bills/house/1261/details