For many homeowners, the idea that an insurance company might quietly fly a drone, or pull satellite images, over their house feels unsettling. Not because they’re hiding something, but because home insurance has traditionally involved human judgment: an adjuster on the ground, a phone call, a chance to explain.
Now, more insurers are using aerial imagery to evaluate homes for underwriting, renewals and claims decisions. In some cases, policyholders say those images led directly to higher premiums or outright nonrenewal without warning.
