The use of aerial imagery technology showing cosmetic damage alone cannot be used to support nonrenewal actions. Photo: Kadmy/Adobe Stock
On March 19, the State of Connecticut Insurance Department issued a notice to all homeowners insurance carriers that operate in the state regarding valid reasons for nonrenewal. This comes on the heels of complaints the Department has received from policyholders regarding homeowners and dwelling fire policies that were nonrenewed by their insurers. In some of these cases, the nonrenewal was based on unsubstantiated concerns about the quality of the property's roof based on information received from aerial imaging. This notice explains the Department's position on both the use of aerial imagery to evaluated roof damage as well as the extent of roof damage needed to support a nonrenewal.
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