MA| The Massachusetts Division of Insurance issued Bulletin 2025-02 to clarify the use of aerial imagery by property and casualty insurers for underwriting decisions. Insurers may use aerial images to assess property condition and deny coverage if clear evidence of significant degradation or damage is present, but must ensure image accuracy and not base non-renewals or cancellations solely on cosmetic issues such as roof discoloration. If aerial imagery does not provide unequivocal evidence for adverse action, insurers are expected to conduct further review, potentially including a physical inspection. In cases of dispute, insurers should promptly review any materials submitted by policyholders contesting the findings. Insurers must also comply with all relevant Massachusetts laws regarding notice for cancellations or non-renewals and provide specific reasons to insured parties to allow for remedial action.
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