The Delaware Department of Insurance published a bulletin providing information on the allowable use of aerial imagery in insurance activities.

The Department recognizes the usefulness of unmanned aircraft systems (UAS) in insurance but also wants insurers to be aware of its limitations. While the images provided by UAS have been useful in many aspects of insurance, they can be limited in their inability to capture fine details. Insurers should be sure their underwriting decisions are supported by more than just aerial imagery, especially if the images aren’t conclusive.

When UAS imagery is part of the reason for a policy denial or nonrenewal, the insurer must provide a written explanation for the specific reasons for the denial. A cancellation or nonrenewal notice must be delivered or mailed at least 30 days before the effective date of cancellation.