On March 11, 2026, the Kentucky Department of Insurance issued Bulletin 2026-01 regarding the use of satellite and aerial imagery as a basis for cancellations, nonrenewals, and claim denials.
The bulletin states that while insurers may use satellite imagery as a tool to identify property degradation, damage, or other issues, insurers must conduct further investigation to validate any issues discovered from the use of satellite data. In addition, insurers may generally use aerial images, such as images taken from a drone or aircraft, as a basis for cancellation, nonrenewal, or claim denial if the images:
are clear enough to allow visualization of the specific property conditions that are noncompliant with the insurer's underwriting guidelines;
An insured is entitled to review all satellite and aerial images relied upon to support a cancellation, nonrenewal, or claim denial by the insurer.
Please see Bulletin 2026-01 for more information. For any questions regarding the bulletin, please contact the Consumer Protection Division at 502-564-6034 or DOI.ConsumerComplaints@ky.gov.