Residential property insurance images.
Vote required
Majority
Fiscal committee
No
Appropriation
No
Current location
Appropriations
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Assembly
- Passed Senate
- To Governor
- Became Law
Overview
This bill requires California insurance companies to notify residential property policyholders if they are using or may use aerial images of their property for underwriting or claim evaluation. It grants policyholders the right to request and receive these images, and it restricts insurers from terminating coverage solely based on images more than 180 days old, unless verified within that timeframe. The bill also mandates that insurers provide policyholders with the image and an opportunity to dispute its accuracy before a coverage termination takes effect.
Key provisions
- Requires insurers to notify policyholders about the use of aerial images.
- Grants policyholders the right to request and receive aerial images.
- Prohibits coverage termination based on aerial images older than 180 days unless verified within that timeframe.
- Mandates insurers to provide the image and opportunity to dispute accuracy before termination.
- Specifies how notices regarding aerial images must be delivered.
- Allows policyholders to request an in-person inspection to verify image accuracy.
- Defines ‘aerial image’ for legal purposes.
- Sets the effective date for the new requirements as July 1, 2026.
Who is affected
- Residential property insurance policyholders
- Admitted insurance companies
- California residents with property insurance
Notable changes
Bill text
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Sponsors
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1 on record
Primary sponsor
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