04/20/2024
Is that your neighbor’s drone or your insurers?
Insurance companies are using drone photos, AI, risk modeling and risk scoring systems to drop customers when their current policy expires based on roof condition, overhanging trees, or trampolines, pools, etc.
While this practice seems unfair, it is technically legal.
If this happens to you:
📧 Contact your insurer and get details on why they’re non-renewing you.
📸 Ask to see the photos.
🏠 If they mistook a skylight or solar panel for damaged roof tiles - set them straight.
🔨 Ask if there are any steps you can take to get them to reverse their decision.
📞 Start shopping for replacement coverage right away. Most states require insurers to give you at least 30 days (75 days in CA , 60 days in CO) to find a new policy, some longer.
UP is helping consumers deal with the situation and supporting disclosure and appeal requirements to give people a chance to correct errors, remedy the situation and keep their coverage.
To read the full Tip of the Month, visit: www.uphelp.org/totm