Despite living near hurricane-prone Daytona Beach, FL, Mike Arman never had a home insurance claim in 52 years. So he was shocked when, two years ago, his insurance company didn't want to renew his policy. The problem? According to Arman's broker, the insurer had taken an aerial image of Arman's roof and decided it 'looked deteriorated.' However, Arman says his roof is only 6 years old. Roofs of his type generally last 20 or 30 years, even in Florida.
Mark Friedlander of the Insurance Information Institute, an insurance-funded research group, strongly objects to the idea that insurance company aerial surveillance constitutes 'spying.' 'It's a much less intrusive way to inspect your home than sending an individual to your property,' he points out to Realtor.com, noting that aerial photography allows insurers to assess risk without physically invading homeowners' space, which could help streamline the underwriting process.
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