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Read. Follow. Verify.Indiana Bill Requires Insurers Using Aerial Photos for Nonrenewal to Provide Images and Cure Period
Last action · January 5, 2026: First reading: referred to Committee on InsuranceSponsor: Matt Lehman
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What This Bill Proposed
Property insurers in Indiana that rely on s to decide against renewing a policy must now extend the notice period from 20 to 60 days, inform the insured how to request those date-stamped images, and provide a 60-day window to fix property issues.
Property owners facing policy due to aerial surveillance gain new rights to inspect the underlying photos, challenge risk score errors, and cure cited property non-compliance issues within a mandated timeframe.
- The Indiana General Assembly is the state legislature responsible for enacting and amending state statutes. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
named insured
Property owners receive extended notice periods, rights to view aerial images used in nonrenewal decisions, a mechanism to appeal risk scores, and a 60-day window to cure cited property issues.
insurer
Insurers must provide date-stamped aerial images upon request, establish points of contact for cure documentation, create risk score appeal processes, and extend nonrenewal notice timelines to 60 days.
independent insurance producer
Independent insurance producers must receive notice of nonrenewal not less than ten (10) days before the insurer mails notice to the named insured.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
How long do I have to request aerial images after receiving a nonrenewal notice?
Can an insurer refuse to renew my policy if I fix the property issues identified in the aerial photo?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
2 actions- Jan 5, 2026HouseIntroducedFirst reading: referred to Committee on Insurance
- Jan 5, 2026HouseAuthored by Representative Lehman
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Regulation of Insurer Aerial Surveillance
The bill represents a legislative effort to increase transparency and consumer recourse regarding automated or aerial-based property insurance underwriting decisions.
Connected Entities
Sources
iga.in.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 60)
- Controversy25Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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