IN HB1261

Insurers using aerial images to decide not to renew property insurance must provide policyholders with date-stamped aerial images (taken within 12 months) showing specific conditions that violate underwriting guidelines, and explain how to reverse the nonrenewal decision

Nonrenewal notice period increases from 20 days to 60 days before policy expiration

Policyholders must receive at least 60 days after being notified of non-compliant property conditions to cure those conditions; if cured and documented, the insurer cannot refuse renewal based on those conditions

Insurers must establish a point of contact for policyholders to submit documentation of cured conditions and an appeal process to correct errors in risk scoring

Effective July 1, 2026; amends IC 27-7-12 and requires the Indiana Department of Insurance to adopt implementing rules