GroundProof

Homeowners Insurance Non-Renewal in Pennsylvania: Your Evidence Rights, Step by Step

Last verified against source: October 19, 2026 · Sources: Pennsylvania Insurance Department public position on aerial/drone imagery and the Pennsylvania Unfair Insurance Practices Act (60-day notice + proof of significant change) — insurance.pa.gov

The rule that protects you

Pennsylvania's Insurance Department has said publicly that drone footage alone is insufficient to support a non-renewal — and Pennsylvania law has long required insurers to clear a bar before dropping a homeowner: advance notice, and proof that something actually changed.

What your insurer must do in Pennsylvania

A drone photo, by itself, is not enough. The Department's public position: footage from above, standing alone, does not carry a non-renewal decision. An insurer relying on imagery needs ground-level substance behind it.

60 days' notice is required by law. Pennsylvania's Unfair Insurance Practices Act requires 60 days' notice before a non-renewal takes effect. That window is yours to work in — it is not a courtesy extension.

The insurer must show a significant change. The Act's non-renewal framework requires proof of a significant change in the risk. A photo showing the same roof that was insured last year — older, but unchanged in any material way — invites the obvious question, and you are entitled to ask it in writing: what, specifically, changed?

What to submit (in the order reviewers weight it)

1. A licensed professional's dated documentation — a roofer's report or receipt, an inspector's findings, speaking directly to the condition cited and whether it is a material change or ordinary aging.
2. Dated transactional proof — invoices, permits, repair and maintenance records (a maintenance history is itself evidence against "significant change").
3. Your written question + evidence — ask for the basis of the claimed change, and attach the professional proof that answers it.
4. Your own dated photos — supporting material, weakest alone.

Your clock

Work inside the 60-day statutory window from your notice. Days 1–7: request the imagery and the specific basis in writing. Days 7–25: professional inspection and any fixable cure. Days 25–45: submit the packet with delivery proof. Days 45–60: written follow-up; fallback coverage priced in parallel.

If they won't review it

File a complaint with the Pennsylvania Insurance Department (insurance.pa.gov). The Department has taken its position on drone evidence publicly; a complaint attaching your unanswered request and your professional report lands on receptive ground.

What GroundProof does in Pennsylvania

The Dispute Sprint ($99 flat): we assemble your packet inside the 60-day window — notice, stated basis, dated records, professional report where needed — organized around the question Pennsylvania law puts to your insurer: what significantly changed? You submit it in your own name. We organize documentation; we do not negotiate with your insurer, file on your behalf, or promise an outcome.