New York A 9272: Relates to the use of aerial images by insurers

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A09272 Summary:

BILL NOA09272 

&nbsp

SAME ASSAME AS S09151

&nbsp

SPONSORHunter

&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 A09272 Actions:

BILL NOA09272 

&nbsp

11/21/2025referred to insurance

01/07/2026referred to insurance

Go to topA09272 Committee&nbspVotes:

Go to topA09272 Floor&nbspVotes:

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

Go to topA09272 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 9272

 2025-2026 Regular Sessions

 IN ASSEMBLY

 November 21, 2025
 ___________

 Introduced by M. of A. HUNTER -- read once and referred 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:

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

 A. 9272 2

 1 (a) Ensure that a non-renewal notice include copies of date-stamped
 2 images of the property that show the specific conditions that are out of
 3 compliance with the insurer's underwriting guidelines and what steps the
 4 property owner can take to reverse the insurer's decision. Photos must
 5 have been taken within the past twelve months.
 6 (b) Establish a point of contact and a process for currently insured
 7 property owners to use to provide documentation of completion of the
 8 required work that the insurer communicates to the insured pursuant to
 9 subsection (a) of this section. Such documentation shall be used by the
 10 insurer in considering whether to uphold or reverse the non-renewal.
 11 (c) Establish an appeal process so the consumer can correct any errors
 12 or misunderstandings related to the non-renewal.
 13 (d) Provide the named insured a time period consistent with notice
 14 requirements set forth in section three thousand four hundred twenty-
 15 five of this chapter to cure the defects/conditions underlying a non-re-
 16 newal from the date the insurer identifies the specific conditions. An
 17 insurer shall have the right to assess the work used to correct defects
 18 to determine and ensure they have been corrected in a manner that meets
 19 the standards originally communicated by the insurer in subsection (a)
 20 of this section. Should the insurer determine that the work did not
 21 correct the defects, the insurer shall notify the named insured that the
 22 non-renewal shall be upheld.
 23 (e) Offer a renewal policy to a consumer who submits proof that they
 24 have cured the defects or conditions identified pursuant to subsection
 25 (a) of this section. Provided however, an insurer may choose not to
 26 renew the policy in question after defects or conditions identified
 27 pursuant to subsection (a) of this section have been cured, but only for
 28 a reason unrelated to such defects or conditions.
 29 §