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Read. Follow. Verify.Texas requires insurers using aerial photos for policy nonrenewals to provide dated images, 60 days to fix issues, and an appeals process
Last action · August 15, 2025: FiledSponsor: Tom Oliverson
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What This Bill Proposed
Property insurers in Texas that use s to decide against renewing a residential policy must send the homeowner dated photos showing the specific underwriting defect at least 61 days before expiration. The insurer must give the policyholder 60 days to fix the problem, establish an appeals process, and offer a renewal if the repairs are completed in time.
Homeowners facing sudden insurance drops based on drone or satellite photography gain explicit rights to review the evidence, contest errors, and keep their coverage by making required property repairs within a mandated timeframe.
- Property insurers increasingly rely on aerial photography, including satellite imagery and drone surveillance, to monitor property conditions and identify maintenance issues that may lead to policy nonrenewals. 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.
Residential property insurance policyholders
Homeowners receive mandatory advance notices, dated aerial photos of alleged defects, a 60-day cure period, and an appeals process before policy nonrenewals based on aerial images.
Property and casualty insurers
Insurance companies must alter nonrenewal procedures when using aerial imagery by providing specific photo evidence, setting up points of contact, establishing appeals processes, and offering renewals upon completed repairs.
Key Facts
- Insurers must provide written nonrenewal notice at least 61 days before a residential property insurance policy expires if the decision is based on aerial images.
- The nonrenewal notice must include date-stamped aerial images taken less than a year before the notice, highlighting specific property defects violating underwriting guidelines.
- Policyholders must be given at least 60 days from the notice date to cure the identified property defects or conditions.
- Insurers must establish an appeals process and a point of contact for insureds to submit documentation of completed repairs.
Show all 7 facts
- Insurers are required to offer a renewal policy to insureds who submit written proof of curing the defects within the allowed time.
- Insurers retain the right to inspect completed repair work to ensure compliance with underwriting guidelines.
- Insurers keep the right to decline policy renewal for reasons unrelated to aerial image findings.
Frequently Asked Questions
What must an insurance company include in a nonrenewal notice based on aerial images?
How much time do homeowners have to fix issues found in aerial photos?
Can an insurance company still inspect my property after I make repairs?
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 · introduced in the House.
Procedural history
1 action- Aug 15, 2025HouseIntroducedFiled
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 Remote Property Monitoring
The bill directly addresses the growing insurance industry practice of using aerial drone and satellite photography to evaluate property conditions and drop policyholders without prior warning.
Sources
capitol.texas.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 65)
- Controversy40Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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