Indiana homeowners can challenge photo-based policy nonrenewals

An insurer relying only on aerial photos must give the policyholder ways to review the photos, challenge errors, and fix listed problems before nonrenewing. This applies to property policies covered by the law when the insurer uses aerial photos as the only reason not to renew. The insurer must offer renewal if the policyholder proves the listed problems were fixed, but may nonrenew for a different reason. These rules apply to covered policies issued, delivered, amended, or renewed on or after January 1, 2027.

The law sets fees for certain health data requests and permits fee waivers for some research. Fees vary by data type and requester, with separate rates for individuals, businesses, nonprofits, educational organizations, and resellers. Indiana state and local agencies requesting data for public distribution or non-redistribution pay no fee. The department may waive fees if all research findings will be made available to the public at no cost. The fee rules take effect July 1, 2026.

Insurers and health maintenance organizations must give contracted insurance producers online access to provider lists. The access is for insurance producers who have contracted with the insurer or health maintenance organization. Insurers must list providers that have agreements with them under the cited law. Health maintenance organizations must list every participating provider that provides their health care services. These requirements take effect July 1, 2026.

Eligible condominium co-owners may insure units separately or buy one shared property policy. This option applies to condominiums that meet the stated design and occupancy limits. Every unit must have been designed and built for no more than two families and contain no more than two living quarters. Co-owners must still use a shared policy to insure the land and common areas. This section takes effect July 1, 2026.