Last verified against source: October 21, 2026 · Source: Indiana General Assembly, House Bill 1260 (Public Law 86), enrolled text adding Indiana Code §27-7-12-6.5, effective July 1, 2026 — iga.in.gov (bill text read via the LegiScan mirror of the official text)
Most states regulate aerial-imagery non-renewals through insurance-department bulletins — guidance an insurer is expected to follow. Indiana's legislature wrote the protection into the Indiana Code instead. Under §27-7-12-6.5, a non-renewal decided from the sky is not the end of the conversation: the statute builds the homeowner's answer into the process itself, and it ends with the sentence no bulletin can offer — prove the cure, and the insurer must offer to renew you.
The notice must tell you how to request the images — and the images must be recent. When aerial images are the sole reason for the non-renewal, the notice must state how you can request them, and the photographs relied on must be no more than 24 months old. You cannot answer evidence you haven't seen; the statute starts by making sure you can see it.
There must be a named point of contact and a documentation process — and your documentation must be used. The insurer has to establish a point of contact and a process for you to submit documentation of completed work, and that documentation must be used in deciding whether to uphold or reverse the non-renewal. A packet that lands in a void is not compliance; the statute requires your evidence to be part of the decision.
There must be an appeal process. If the imagery is wrong — the wrong house, an old roof already replaced, a shadow read as damage — the statute requires a process to correct errors and misunderstandings, separate from the cure documentation itself.
You get at least 60 days to cure. The statute guarantees a cure window of at least 60 days, and the same law raised Indiana's non-renewal notice period to 60 days. That is a real working window: time to obtain a professional inspection, complete the fix, and document it.
Proof of cure means a renewal offer. If you submit proof that the condition behind the images is cured, the insurer must offer to renew your policy. It may still non-renew for a genuinely unrelated reason — but the photographed condition, once cured and documented, cannot remain the reason.
Two 60-day frames run the case: the 60-day non-renewal notice and the statute's at-least-60-day cure window. Sequence them: days 1–7, request the images through the process named in your notice and identify the insurer's point of contact; days 7–21, book the professional and complete the cure; days 21–40, submit the documentation through the insurer's process — with delivery proof — and note the appeal process in case the decision doesn't move; days 40–60, follow up in writing and prepare a fallback quote in parallel so a denial is never a catastrophe. If any step stalls, the appeal and the Department complaint (below) are the escalation, in that order.
Use the statute's own steps first — the documentation process and the appeal — then file a complaint with the Indiana Department of Insurance (in.gov/idoi). A complaint that cites §27-7-12-6.5 and attaches your submission receipts arrives at the regulator with the statute and your paper trail already aligned.
The Dispute Sprint ($99 flat): we build your cure file inside the window — the image request, the specific condition, dated records, the professional report where needed — assembled into one packet built for the submission process §27-7-12-6.5 requires your insurer to maintain, ready for you to submit in your own name. We organize documentation; we do not negotiate with your insurer, file on your behalf, or promise an outcome.