New York S 9151: Relates to the use of aerial images by insurers

Bill Text

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S09151 Summary:

BILL NOS09151 

&nbsp

SAME ASSAME AS A09272

&nbsp

SPONSORBAILEY

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Add Art 92 §§9201 - 9204, Ins L

&nbsp

Places limitations and requirements on the use of aerial images by insurers.

Go to top S09151 Actions:

BILL NOS09151 

&nbsp

02/06/2026REFERRED TO INSURANCE

Go to topS09151 Committee&nbspVotes:

Go to topS09151 Floor&nbspVotes:

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

Go to topS09151 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 9151

 IN SENATE

 February 6, 2026
 ___________

 Introduced by Sen. BAILEY -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to the use of aerial
 images by insurers

 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 article 92 to
 2 read as follows:
 3 ARTICLE 92
 4 USE OF AERIAL IMAGES
 5 Section 9201. Legislative purpose.
 6 9202. Definitions.
 7 9203. Insurers' use of aerial images.
 8 9204. Rules.
 9 § 9201. Legislative purpose. The purpose of this article is to honor
 10 consumer's traditional rights with regard to property insurance in the
 11 face of advancing aerial technologies.
 12 § 9202. Definitions. As used in this article, the following terms
 13 shall have the following meanings:
 14 (a) "Aerial image" means an image of a named insured's property
 15 captured from an airborne platform.
 16 (b) "Non-renewal" means a termination of property insurance coverage
 17 that occurs at the end of the policy term.
 18 (c) "Renewal" means:
 19 (1) the issuance and delivery by an insurer at the end of a policy
 20 period of a policy superseding a policy previously issued and delivered
 21 by the same insurer; or
 22 (2) the issuance and delivery of a certificate or notice extending the
 23 term of an existing policy beyond its policy period or term.
 24 § 9203. Insurers' use of aerial images. When utilizing aerial images
 25 as part of its coverage determinations, an insurer shall:
 26 (a) Ensure that a non-renewal notice include copies of date-stamped
 27 images of the property that show the specific conditions that are out of
 28 compliance with the insurer's underwriting guidelines and what steps the

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD13852-02-5

 S. 9151 2

 1 property owner can take to reverse the insurer's decision. Photos must
 2 have been taken within the past twelve months.
 3 (b) Establish a point of contact and a process for currently insured
 4 property owners to use to provide documentation of completion of the
 5 required work that the insurer communicates to the insured pursuant to
 6 subsection (a) of this section. Such documentation shall be used by the
 7 insurer in considering whether to uphold or reverse the non-renewal.
 8 (c) Establish an appeal process so the consumer can correct any errors
 9 or misunderstandings related to the non-renewal.
 10 (d) Provide the named insured a time period consistent with notice
 11 requirements set forth in section three thousand four hundred twenty-
 12 five of this chapter to cure the defects/conditions underlying a non-re-
 13 newal from the date the insurer identifies the specific conditions. An
 14 insurer shall have the right to assess the work used to correct defects
 15 to determine and ensure they have been corrected in a manner that meets
 16 the standards originally communicated by the insurer in subsection (a)
 17 of this section. Should the insurer determine that the work did not
 18 correct the defects, the insurer shall notify the named insured that the
 19 non-renewal shall be upheld.
 20 (e) Offer a renewal policy to a consumer who submits proof that they
 21 have cured the defects or conditions identified pursuant to subsection
 22 (a) of this section. Provided however, an insurer may choose not to
 23 renew the policy in question after defects or conditions identified
 24 pursuant to subsection (a) of this section have been cured, but only for
 25 a reason unrelated to such defects or conditions.
 26 § 9204. Rules. The superinten