AB 1559: Residential property insurance images.

Official summary

Legislative Counsel’s Digest (official, as of the latest version). Written by nonpartisan legislative staff; reproduced verbatim.

Existing law generally regulates classes of insurance, including residential property insurance. Existing law requires an insurer to send various notices to a policyholder at specified intervals.

This bill would require an admitted insurer to notify a residential property insurance policyholder that aerial images may be taken or obtained of the insured property, as specified, unless a claim has been submitted or is pending on the property and the images will be used only for evaluating the claim. The bill would require the insurer to provide the aerial images upon request, as specified, and would require the notice to include instructions regarding how a policyholder may make that request.

This bill would prohibit an admitted insurer from basing a decision to terminate insurance coverage, as defined, on an aerial image of the insured property taken more than 180 days prior to sending notice of that decision to the policyholder, except as specified. The bill would require an admitted insurer that bases a decision to terminate insurance coverage on an aerial image to provide the policyholder with that aerial image, notice of that decision, and the opportunity to dispute the accuracy of the image, and to verify remediation, before the effective date of the decision to terminate insurance coverage.

This bill would make the above-described provisions operative on July 1, 2027.

Sponsors

Sponsors by party (alphabetical): Democratic 2

“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.

Recent official actions

1. June 10, 2026From committee: Do pass and re-refer to Com. on P., D.T., & C.P. (Ayes 6. Noes 0.) (June 10). Re-referred to Com. on P., D.T., & C.P.
2. May 27, 2026Referred to Coms. on INS., P., D.T., & C.P. and APPR.
3. May 14, 2026In Senate. Read first time. To Com. on RLS. for assignment.
4. May 14, 2026Read third time. Passed. Ordered to the Senate. (Ayes 77. Noes 0. Page 5030.)
5. May 7, 2026Read second time. Ordered to Consent Calendar.
6. May 6, 2026From committee: Do pass. To Consent Calendar. (Ayes 14. Noes 0.) (May 6).
7. April 22, 2026From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 15. Noes 0.) (April 21). Re-referred to Com. on APPR.
8. April 15, 2026From committee: Do pass and re-refer to Com. on P. & C.P. (Ayes 17. Noes 0.) (April 15). Re-referred to Com. on P. & C.P.
9. April 14, 2026Re-referred to Com. on INS.
10. April 13, 2026From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended.
11. February 2, 2026Referred to Coms. on INS. and P. & C.P.
12. January 9, 2026From printer. May be heard in committee February 8.