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Insurers Must Physically Inspect to Confirm Damage Cited by Aerial Imagery

May 29, 2024

The Pennsylvania Insurance Department (PID) is reminding insurers of their obligation to conduct a physical inspection to confirm the type and extent of damage to a roof supposedly evidenced by aerial imagery.

The regulatory agency said it has received consumer complaints regarding insurers using aerial imagery canceling or not renewing policies due to the condition of their roofs. The department said it found that the “aerial images in question often did not clearly demonstrate significant roofing degradation or damage, but merely showed discoloration, streaking, or other cosmetic issues that should not be the sole basis for canceling or nonrenewing insurance policies.”

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