TDCI sets rules on aerial imagery as It relates to insurance coverage

The Tennessee Department of Commerce & Insurance announced new guidelines for insurance carriers when using aerial imagery, including drone photography, when inspecting consumers' properties.

While aerial imagery can provide benefits when used appropriately, such as evaluating property after severe weather, its misuse can result in inaccuracies and confusion. For example, aerial imagery can be misused if an insurer relies solely upon aerial images that are vague, outdated, show an inaccurate structure or property, or do not clearly show the current state of damage or disrepair.

Accordingly, TDCI is reminding insurers to always use due diligence when utilizing aerial imagery in order to ensure that action taken is based on accurate, current information.

"Our team is aware of incidents in other states where homeowners' insurance policies were not renewed or cancelled as a result of the use of aerial photography," said TDCI Commissioner Carter Lawrence. "While this has not occurred to the best of our knowledge in Tennessee, insurers must be mindful that aerial imagery has its limitations and should not be the only information utilized in the decision-making process. I encourage insurers and consumers to contact our team with their questions about the use of aerial photography when providing insurance coverage."

To file a consumer insurance complaint, visit our website or contact us at 1-800-342-4029 or 615-741-2218.