Bill > S09156

This bill requires homeowners' insurance companies, referred to as "insurers," to follow specific procedures when using aerial images, which are photos or videos of a property taken from the air, for decisions like canceling or not renewing a policy, reducing coverage, or increasing premiums by more than ten percent, collectively termed "adverse decisions." Insurers must annually notify policyholders if aerial images might be taken of their property and provide these images to the policyholder within thirty days of a request, also with annual instructions on how to make such requests. If an insurer makes an adverse decision based on an aerial image, they must include dated images showing the specific issues with the property, offer a process for policyholders to appeal the decision, potentially through an in-person inspection, and provide a process for remediation, giving policyholders at least sixty days to fix any identified problems before the decision takes effect. Furthermore, insurers cannot use aerial images taken more than 180 days before an adverse decision and must offer renewal to policyholders who successfully appeal or remediate the issues.

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https://www.nysenate.gov/legislation/bills/2025/S9156