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Committee advances bill requiring insurers to show dated images used to deny or nonrenew homeowners policies
Summary
The Senate Insurance and Labor committee moved SB409, which would require insurers to provide customers with dated aerial or satellite images relied on in adverse underwriting decisions; members amended the bill to require homeowner-submitted images be of equal or greater resolution.
Senators advanced SB409 after testimony from an independent insurance agent who said carriers increasingly use aerial and fixed‑wing imagery to underwrite and nonrenew homeowners policies without giving customers the underlying photo evidence.
Larry Walker, an independent insurance agent from Perry, Georgia, told the committee insurers commonly consult aerial imagery and sometimes nonrenew policies for perceived roof or yard hazards. He said customers cannot usually see the image or verify its date and therefore lack an opportunity to fix a problem before losing coverage. "If you're gonna make an adverse…
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