On August 11, 2025, the North Carolina Department of Insurance (NCDOI) issued Bulletin 25-B-09 regarding the use of aerial imagery in making underwriting decisions and claims handling.
The bulletin provides safeguards for insurers to ensure the correct use of aerial imagery. This includes making sure the images are recent and accurate, using other information in decision-making, and providing the images to insureds when a nonrenewal is based on aerial images to give them a chance to provide updated information. The NCDOI requests insurers review their underwriting procedures to ensure that the use of aerial imagery complies with these safeguards.
Please see Bulletin 25-B-09 for more information. For any questions regarding the bulletin, please contact the Consumer Services Division at CSD@ncdoi.gov or 855-408-1212.