The New Hampshire Insurance Department published a bulletin informing insurers of the allowable use of aerial imagery as an underwriting tool.

The Department has received consumer complaints that insurers have nonrenewed or canceled their homeowners policies based on poor roof conditions mistakenly identified in aerial imagery. While property insurers are allowed to refuse coverage if there is evidence of roof degradation or damage, aerial imagery may not meet the evidence standard. The use of aerial imagery is allowed, but they must show definitive material damage to a roof to be used as a reason to nonrenew or cancel a policy.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis