Bill > S09151

This bill establishes new rules for how insurance companies can use aerial images, which are pictures of a property taken from an aircraft, when making decisions about property insurance coverage. The main goal is to protect consumers' rights regarding their property insurance in light of new technology. Specifically, if an insurer decides not to renew a policy based on an aerial image, they must provide the homeowner with dated photos showing the specific issues that violate their guidelines, along with clear steps on how to fix them. The insurer must also set up a contact point and a process for homeowners to submit proof that they've made the necessary repairs, and they must consider this proof when deciding whether to uphold the non-renewal. Furthermore, homeowners will have a set period to correct any identified problems, and the insurer can inspect the repairs. If the homeowner successfully corrects the issues, the insurer must offer to renew the policy, unless there's a separate, unrelated reason for not renewing. The bill also mandates that the Superintendent of Insurance will create any necessary rules to put these provisions into effect.

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https://www.nysenate.gov/legislation/bills/2025/S9151