MD| The proposed Maryland Insurance Administration Bulletin 25-XX clarifies that while insurers may use satellite or aerial imagery in decisions regarding property insurance cancellations, nonrenewals, or claim denials, such actions must be based on clear, accurate, and current images, and must comply with statutory requirements for transparency and fairness. Insurers are expected to provide insureds with the opportunity to review and respond to imagery-based findings, and must not rely on low-quality or cosmetic image issues as the sole basis for adverse actions. The bulletin also reminds insurers using artificial intelligence to process imagery to adhere to existing guidelines on AI use in insurance.
The Maryland Insurance Administration will consider comments concerning this draft
bulletin that are submitted to Kathryn Callahan (Director of Regulatory Policy), at
kathryn.callahan1@maryland.gov, on or before May 30, 2025.