Residential property insurance images.

Assembly Member Calderon's residential property insurance legislation establishes new requirements for insurers' use of aerial imagery in underwriting decisions. The measure requires admitted insurers to notify policyholders when aerial images will be collected of their property during the policy period, with notices provided annually and upon policy issuance or renewal.

The bill mandates that insurers provide aerial images to policyholders within 30 days of request and prohibits basing adverse underwriting decisions on images more than 45 days old unless verified by a recent physical inspection. When aerial imagery factors into coverage decisions, insurers must furnish the images alongside decision notices and allow policyholders to remedy identified issues before changes take effect. Policyholders retain the right to request in-person property inspections to verify conditions shown in aerial images.

Notification requirements include standardized language explaining policyholders' rights and must appear on separate pages from other notices in 14-point bold font. Insurers may deliver notices electronically to policyholders who have agreed to electronic transactions. The provisions exempt aerial images used solely for evaluating submitted or pending claims. The measure maintains existing restrictions on aerial imaging under current law while adding these new notification and verification requirements.