1 of 1
HOUSE DOCKET, NO. 2415 FILED ON: 1/16/2025
HOUSE . . . . . . . . . . . . . . . No. 1242
The Commonwealth of Massachusetts
_________________
PRESENTED BY:
David Henry Argosky LeBoeuf
_________________
To the Honorable Senate and House of Representatives of the Commonwealth of Massachusetts in General
Court assembled:
The undersigned legislators and/or citizens respectfully petition for the adoption of the accompanying bill:
An Act relative to insurers' usage of aerial images.
_______________
PETITION OF:
NAME:DISTRICT/ADDRESS :DATE ADDED:David Henry Argosky LeBoeuf17th Worcester1/16/2025 1 of 2
HOUSE DOCKET, NO. 2415 FILED ON: 1/16/2025
HOUSE . . . . . . . . . . . . . . . No. 1242
By Representative LeBoeuf of Worcester, a petition (accompanied by bill, House, No. 1242) of
David Henry Argosky LeBoeuf relative to insurers' usage of aerial images. Financial Services.
The Commonwealth of Massachusetts
_______________
In the One Hundred and Ninety-Fourth General Court
(2025-2026)
_______________
An Act relative to insurers' usage of aerial images.
Be it enacted by the Senate and House of Representatives in General Court assembled, and by the authority
of the same, as follows:
1 SECTION 1. Chapter 175 of the General Laws is hereby amended by inserting after
2section 4G the following section:-
3 Section 4H. (a) When utilizing aerial images as part of its coverage determinations, the
4Massachusetts Property Insurance Underwriting Association or an insurer licensed to write and
5engaged in the writing of homeowners insurance in the commonwealth shall:
6 (i) ensure that any non-renewal notice includes copies of date-stamped aerial images of
7the property that show the specific conditions that are out of compliance with the insurer’s
8underwriting guidelines and include what if any steps the property owner can take to reverse the
9insurer’s decision; provided, that photos used in a non-renewal notice shall have been taken
10within 12 months of the notice date; 2 of 2
11 (ii) establish a point of contact and a process for currently insured property owners to
12provide documentation of the completion of the required work that the insurer communicates to
13the insured in clause (i);
14 (iii) disclose the factors considered for the risk assessment and establish an appeals
15process so the property owner can correct any errors or misunderstandings related to their risk
16score and modify the risk score where warranted;
17 (iv) provide the currently insured property owner a minimum of 60 days to cure the
18defects or conditions underlying a non-renewal from the date the insurer notifies the insured of
19the specific conditions requiring remediation; and
20 (v) offer a renewal policy to a property owner who submits proof that they have cured the
21defects or conditions identified in aerial images in the non-renewal notice.
22 (b) The commissioner shall adopt rules to effectuate the provisions of this section.
23 SECTION 2. This act shall take effect 180 days following its passage.