MI| The Michigan Department of Insurance and Financial Services issued Bulletin 2025-12-INS to remind personal lines homeowners and dwelling insurers that the use of aerial imagery in underwriting, claims, cancellations, or nonrenewals must comply with all applicable insurance laws and regulations. Insurers must ensure aerial imagery is accurate and current, allow policyholders to challenge or correct imagery findings, and avoid adverse actions based solely on cosmetic roof issues. Additionally, insurers are required to file underwriting rules and rates involving aerial imagery with the Department and provide clear notifications to policyholders regarding their rights and the use of such imagery in insurance decisions.
- Insurers must verify the accuracy of aerial imagery, allow policyholders to dispute findings, and cannot use cosmetic roof issues alone for cancellations or nonrenewals.
- Underwriting rules and rates involving aerial imagery must be filed with the Department, and policyholders must be notified of their rights and protections.
- If aerial imagery is used for cancellation or nonrenewal, homeowners must receive advance notice, copies of the imagery, and an opportunity to challenge or update the insurer’s information.
