Residential property insurance images.
Vote required
Majority
Fiscal committee
No
Appropriation
No
Current location
Privacy, Digital Technologies, and Consumer Protection
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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 insurance companies in California to notify policyholders if they are using aerial images of their property for underwriting or claims evaluation. It grants policyholders the right to request and receive these images, and it limits insurers’ ability to terminate coverage based on images older than 180 days, unless verified within that timeframe. The bill also mandates that insurers provide policyholders with the images and an opportunity to dispute their accuracy if coverage is canceled or reduced due to an aerial image.
Key provisions
- Requires insurers to notify policyholders about the use of aerial images.
- Grants policyholders the right to request and receive aerial images.
- Limits insurers’ ability to terminate coverage based on images older than 180 days.
- Requires insurers to provide policyholders with the aerial image and opportunity to dispute accuracy if coverage is terminated.
- Establishes a process for policyholders to request an in-person inspection to verify image accuracy.
- Exempts certain uses of aerial images in risk modeling.
- Specifies how notices regarding aerial image use must be delivered.
- Sets a date of July 1, 2027, for the law to take effect.
Who is affected
- Residential property insurance policyholders
- Admitted insurance companies
- California residents with property insurance
Notable changes
Bill text
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