summary
Introduced
01/14/2026
01/14/2026
In Committee
01/14/2026
01/14/2026
Crossed Over
Passed
Dead
Introduced Session
2026 Regular Regular Session
Bill Summary
Property insurance; use of aerial or satellite imagery. Prohibits an insurer from refusing to renew a policy written to insure an owner-occupied dwelling based on information obtained through the use of aerial or satellite imagery unless (i) such imagery has been captured not more than 12 months prior to the nonrenewal notice; (ii) the nonrenewal notice includes date-stamped aerial or satellite images of the insured property identifying the specific conditions that form the basis for nonrenewal and specifies any action that the insured may take to remedy such conditions; (iii) the insurer provides the insured a period of not less than 90 days to cure the identified conditions before the nonrenewal takes effect; and (iv) the insurer establishes a point of contact for the insured to submit documentation and a process to review such documentation. The bill requires the insurer to offer to renew coverage if the insured provides documentation, within the 90-day period, demonstrating that the identified conditions have been cured to the insurer's reasonable satisfaction.
AI Summary
This bill amends existing property insurance law to regulate the use of aerial or satellite imagery by insurers when deciding whether to renew policies for owner-occupied dwellings. Specifically, an insurer cannot refuse to renew such a policy based on information from this imagery unless several conditions are met: the imagery must be no older than 12 months before the nonrenewal notice, the notice must include dated images showing the specific issues and how the homeowner can fix them, the homeowner must be given at least 90 days to correct these issues before the nonrenewal takes effect, and the insurer must provide a contact person and a process for reviewing any documentation submitted by the homeowner. If the homeowner provides proof within the 90-day period that the identified issues have been resolved to the insurer's satisfaction, the insurer must offer to renew the policy.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Left in Labor and Commerce (on 02/18/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://lis.virginia.gov/bill-details/20261/HB1253 |
| BillText | https://lis.virginia.gov/bill-details/20261/HB1253/text/HB1253 |
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