NY A09272

Requires insurers using aerial images to issue non-renewal notices that include date-stamped photos (taken within the past 12 months) showing specific conditions violating underwriting guidelines and steps the property owner can take to reverse the decision

Mandates insurers establish a point of contact and process for property owners to submit documentation proving they have completed required corrective work

Requires insurers to create an appeal process allowing consumers to correct errors or misunderstandings related to non-renewal decisions

Obligates insurers to provide property owners a cure period consistent with existing notice requirements under section 3425 to fix identified defects before non-renewal takes effect

Requires insurers to offer policy renewal to consumers who successfully cure the identified defects, though insurers may still non-renew for unrelated reasons

Takes effect 180 days after becoming law, with the Superintendent of Insurance authorized to promulgate implementing regulations