Insurers would give policyholders time to fix aerial photo problems

When aerial photos help an insurer decide not to renew property coverage, it would give policyholders time to fix photographed problems that break its coverage rules. This applies to problems that aerial photos show do not meet the insurer's rules for covering the property. Policyholders would need to submit proof of the fix. Insurers could inspect the work and uphold nonrenewal if the problem still breaks their coverage rules. The insurer would have to allow at least 60 days after it identifies the problem.

Insurers would tell policyholders how to get aerial photos and what steps could reverse a nonrenewal decision. This applies when an insurer uses aerial photos to help decide against renewing a policyholder's property insurance. The dated photos must show the problems and have been taken no more than 12 months before the insurer sends the notice. Policyholders would have 10 days from receiving the nonrenewal notice to request the photos.

Insurers would provide a way to submit proof of repairs and challenge errors in their estimate of claim risk. This applies when aerial photos help an insurer decide against renewing a policyholder's property insurance. The challenge process would address errors or misunderstandings in the insurer's risk score.