At least one company uses computer models to inspect these photos and flag moldy roofs, askew tree branches and missing shingles. Insurers then notify homeowners their policies may not be renewed.
While it’s unclear how many homes are under surveillance, the number could be massive — and growing. One aerial imaging technology company common among insurers says it has eyes on 99.6% of the country’s population.
Faced with more extreme weather and costlier damage to homes, insurers are increasingly relying on new technologies like aerial images to evaluate policies — and in some cases, to forgo risk. Between 2020 and 2023, the rate at which insurers in Texas chose to not renew home insurance policies almost doubled.
I remember when we moved in to our first home. It was just a couple days when I noticed a guy outside walking around the property with his phone on a long pole taking pictures around the house and peeking over the fence into the backyard. I get that they need to survey the house, but it feels really violating for some rando to turn up in an unmarked vehicle and start walking around your house taking videos and pictures without even notifying you first. A courtesy knock and quick explanation would’ve been appreciated.
Now they can do it without you knowing at all.