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Bill

Bill

AB 75

Residential property insurance images.

2025-2026 Regular Session Introduced by Lisa Calderon

California bill requires residential property insurers to provide policyholders with photographic images of their insured properties upon request to support claims and property documentation.

In committee: Held under submission.
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Bill Summary · AB 75

Legislative bill overview

AB 75 requires residential property insurers in California to provide policyholders with images or photographic documentation of their insured property upon request. The bill establishes requirements for how insurers must collect, maintain, and disclose these images to support claims documentation and property valuation.

Why is this important

Homeowners often lack detailed records of their property's condition and contents, making claims settlement difficult after damage or loss. Providing insurers' images creates a mutual documentation system that can expedite claim resolution, reduce disputes over pre-loss condition, and help homeowners establish replacement costs. This addresses the information asymmetry between insurers who inspect properties and homeowners who need proof of their assets.

Potential points of contention

  • Data privacy and access concerns: Rules around what images insurers can collect, how they're stored, and who can access them beyond claims purposes need careful definition to prevent overreach or misuse of sensitive home documentation.
  • Implementation costs: Mandatory image collection and retention requirements could increase operational costs for insurers, which may be passed to consumers through higher premiums, particularly affecting lower-income policyholders.
  • Scope ambiguity: Unclear whether insurers must photograph interiors, exteriors, or both; what timeline applies; and whether refusal to allow photography affects policy validity or claims eligibility.

Compiled from official sources — confirm details with the bill’s official record.

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