New York A 11069: Relates to the use of aerial images for the purposes of homeowners' insurance

Bill Text

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A11069 Summary:

BILL NOA11069 

&nbsp

SAME ASSAME AS S09156

&nbsp

SPONSORDilan

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Add §3463, Ins L

&nbsp

Imposes certain requirements for the use of aerial images of an insured property for the purposes of homeowners' insurance; requires certain notices and appeals process.

Go to top A11069 Actions:

BILL NOA11069 

&nbsp

04/24/2026referred to insurance

Go to topA11069 Committee&nbspVotes:

Go to topA11069 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topA11069 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 11069

 IN ASSEMBLY

 April 24, 2026
 ___________

 Introduced by M. of A. DILAN -- read once and referred to the Committee
 on Insurance

 AN ACT to amend the insurance law, in relation to the use of aerial
 images for the purposes of homeowners' insurance

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. The insurance law is amended by adding a new section 3463
 2 to read as follows:
 3 § 3463. Use of aerial images in homeowners' insurance. (a) For the
 4 purposes of this section, the following terms shall have the following
 5 meanings:
 6 (1) "Covered policy" means:
 7 (A) a personal lines insurance policy, as defined in paragraph two of
 8 subsection (a) of section three thousand four hundred twenty-five of
 9 this article; or
 10 (B) a commercial lines insurance policy, as defined in paragraph one
 11 of subsection (a) of section three thousand four hundred twenty-six of
 12 this article.
 13 (2) "Insured individual" means an individual entitled to coverage
 14 under a covered policy.
 15 (3) "Insurer" means the New York property underwriting association or
 16 any other property/casualty insurance company, as defined in paragraph
 17 five of subsection (a) of section one thousand three hundred twenty-four
 18 of this chapter, providing a covered policy to an insured individual.
 19 (4) "Adverse decision" means cancellation or nonrenewal of coverage,
 20 reduction in coverage, or an increase in premiums of more than ten
 21 percent.
 22 (5) "Aerial image" means an image or video of an insured individual's
 23 property captured from an airplane, drone, helicopter, or any other
 24 airborne device or vehicle.
 25 (b) While utilizing aerial images as part of its coverage determi-
 26 nation, an insurer shall:
 27 (1) notify an insured individual if any aerial images may be taken or
 28 obtained of the insured property during the policy period by, on behalf

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD14748-01-6

 A. 11069 2

 1 of, or in service of the insurer. Notice must be provided at least annu-
 2 ally, including with the initial policy issuance and upon each renewal;
 3 and
 4 (2) provide any aerial images taken or obtained of the insured proper-
 5 ty to the insured individual upon request within thirty days of receiv-
 6 ing that request. Instructions on how to request the images and a point
 7 of contact must be provided at least annually, including with the
 8 initial policy issuance and upon each renewal.
 9 (c) If an insurer bases an adverse decision in whole or in part on an
 10 aerial image, they shall:
 11 (1) include in any notice of an adverse decision copies of date-
 12 stamped aerial images of the property showing the specific conditions
 13 that do not meet the insurer's underwriting guidelines, regardless of
 14 whether the condition was caused by the insured;
 15 (2) provide a process for appeal in case of error. The process shall
 16 allow an insured individual to request that the insurer conduct an
 17 in-person physical inspection of the property to verify the accuracy,
 18 persistence, and validity of the conditions pertaining to the adverse
 19 decision. The insurer must include in any notice of an adverse decision
 20 the necessary steps for an appeal and a point of contact. The results of
 21 an adverse decision shall not take effect until the appeals process has
 22 concluded;
 23 (3) provide a process for remediation. The insurer shall include with
 24 an adverse decision what, if any, remedial steps the property owner can
 25 take to reverse the insure