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    AB-75
    Consumer Protection

    Residential property insurance images.

    Engrossed
    CA
    ∙
    2025-2026 Regular Session
    2
    0
    Track
    Track

    Key Takeaways

    • Requires insurers to notify homeowners before collecting aerial images of their insured properties.
    • Prohibits insurers from using aerial images older than 180 days to cancel coverage without verification.
    • Grants homeowners the right to dispute aerial images and verify remediation before coverage termination.
    • Takes effect July 1, 2026 and applies to all residential property insurance policies in California.

    Summary

    Assembly Member Calderon's residential property insurance legislation establishes new requirements for insurers' use of aerial imagery in coverage decisions. The measure requires admitted insurers to notify policyholders annually about potential aerial imaging of their property and provide copies of any images upon request within 30 days.

    Under the bill, insurers cannot base coverage termination decisions on aerial images more than 180 days old unless the conditions shown have been verified through a recent physical inspection or alternative verification process. When aerial images factor into coverage decisions, insurers must provide the images alongside termination notices and allow policyholders to dispute their accuracy before changes take effect. Policyholders maintain the right to request in-person property inspections to verify conditions depicted in aerial images or to demonstrate remediation of identified issues.

    The notification requirements exempt situations where aerial images relate solely to evaluating submitted or pending claims. The measure, which takes effect July 1, 2026, defines aerial images as those collected by aircraft or satellite, whether operated with direct human intervention or not. The bill preserves existing restrictions on aerial imaging while adding these new consumer protections and procedural requirements for insurance purposes.

    Key Dates

    Next Step
    Referred to the Senate Standing Committee on Insurance
    Next Step
    Senate Committee
    Referred to the Senate Standing Committee on Insurance
    Hearing scheduled for , 1021 O Street, Room 2100
    Vote on Assembly Floor
    Assembly Floor
    Vote on Assembly Floor
    AB 75 Calderon Assembly Third Reading
    Assembly Appropriations Hearing
    Assembly Committee
    Assembly Appropriations Hearing
    Do pass as amended
    Assembly Privacy And Consumer Protection Hearing
    Assembly Committee
    Assembly Privacy And Consumer Protection Hearing
    Do pass and be re-referred to the Committee on [Appropriations]
    Assembly Insurance Hearing
    Assembly Committee
    Assembly Insurance Hearing
    Do pass and be re-referred to the Committee on [Privacy and Consumer Protection]
    Introduced
    Assembly Floor
    Introduced
    Introduced. To print.

    Contacts

    Profile
    Anna CaballeroD
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Roger NielloR
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Brian JonesR
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Susan RubioD
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Josh BeckerD
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    0 of 8 row(s) selected.
    Page 1 of 2
    Select All Legislators
    Profile
    Anna CaballeroD
    Senator
    Committee Member
    Profile
    Roger NielloR
    Senator
    Committee Member
    Profile
    Brian JonesR
    Senator
    Committee Member
    Profile
    Susan RubioD
    Senator
    Committee Member
    Profile
    Josh BeckerD
    Senator
    Committee Member
    Profile
    Lisa CalderonD
    Assemblymember
    Bill Author
    Profile
    Steve PadillaD
    Senator
    Committee Member
    Profile
    Aisha WahabD
    Senator
    Committee Member

    Get Involved

    Act Now!

    Email the authors or create an email template to send to all relevant legislators.

    Introduced By

    Lisa Calderon
    Lisa CalderonD
    California State Assembly Member
    40% progression
    Bill has passed all readings in its first house and is ready to move to the other house (6/3/2025)

    Latest Voting History

    View History
    June 3, 2025
    PASS
    Assembly Floor
    Vote on Assembly Floor
    AyesNoesNVRTotalResult
    761279PASS

    Key Takeaways

    • Requires insurers to notify homeowners before collecting aerial images of their insured properties.
    • Prohibits insurers from using aerial images older than 180 days to cancel coverage without verification.
    • Grants homeowners the right to dispute aerial images and verify remediation before coverage termination.
    • Takes effect July 1, 2026 and applies to all residential property insurance policies in California.

    Get Involved

    Act Now!

    Email the authors or create an email template to send to all relevant legislators.

    Introduced By

    Lisa Calderon
    Lisa CalderonD
    California State Assembly Member

    Summary

    Assembly Member Calderon's residential property insurance legislation establishes new requirements for insurers' use of aerial imagery in coverage decisions. The measure requires admitted insurers to notify policyholders annually about potential aerial imaging of their property and provide copies of any images upon request within 30 days.

    Under the bill, insurers cannot base coverage termination decisions on aerial images more than 180 days old unless the conditions shown have been verified through a recent physical inspection or alternative verification process. When aerial images factor into coverage decisions, insurers must provide the images alongside termination notices and allow policyholders to dispute their accuracy before changes take effect. Policyholders maintain the right to request in-person property inspections to verify conditions depicted in aerial images or to demonstrate remediation of identified issues.

    The notification requirements exempt situations where aerial images relate solely to evaluating submitted or pending claims. The measure, which takes effect July 1, 2026, defines aerial images as those collected by aircraft or satellite, whether operated with direct human intervention or not. The bill preserves existing restrictions on aerial imaging while adding these new consumer protections and procedural requirements for insurance purposes.

    40% progression
    Bill has passed all readings in its first house and is ready to move to the other house (6/3/2025)

    Key Dates

    Next Step
    Referred to the Senate Standing Committee on Insurance
    Next Step
    Senate Committee
    Referred to the Senate Standing Committee on Insurance
    Hearing scheduled for , 1021 O Street, Room 2100
    Vote on Assembly Floor
    Assembly Floor
    Vote on Assembly Floor
    AB 75 Calderon Assembly Third Reading
    Assembly Appropriations Hearing
    Assembly Committee
    Assembly Appropriations Hearing
    Do pass as amended
    Assembly Privacy And Consumer Protection Hearing
    Assembly Committee
    Assembly Privacy And Consumer Protection Hearing
    Do pass and be re-referred to the Committee on [Appropriations]
    Assembly Insurance Hearing
    Assembly Committee
    Assembly Insurance Hearing
    Do pass and be re-referred to the Committee on [Privacy and Consumer Protection]
    Introduced
    Assembly Floor
    Introduced
    Introduced. To print.

    Latest Voting History

    View History
    June 3, 2025
    PASS
    Assembly Floor
    Vote on Assembly Floor
    AyesNoesNVRTotalResult
    761279PASS

    Contacts

    Profile
    Anna CaballeroD
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Roger NielloR
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Brian JonesR
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Susan RubioD
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    Profile
    Josh BeckerD
    Senator
    Committee Member
    Not Contacted
    Not Contacted
    0 of 8 row(s) selected.
    Page 1 of 2
    Select All Legislators
    Profile
    Anna CaballeroD
    Senator
    Committee Member
    Profile
    Roger NielloR
    Senator
    Committee Member
    Profile
    Brian JonesR
    Senator
    Committee Member
    Profile
    Susan RubioD
    Senator
    Committee Member
    Profile
    Josh BeckerD
    Senator
    Committee Member
    Profile
    Lisa CalderonD
    Assemblymember
    Bill Author
    Profile
    Steve PadillaD
    Senator
    Committee Member
    Profile
    Aisha WahabD
    Senator
    Committee Member