Homeowners affected by AI-assisted insurance nonrenewals
Incidents Harmed By
Incident 10821 Report
California Homeowner Reportedly Loses Insurance After Purported Aerial Imagery-Based Roof Assessment
2024-04-06
A California homeowner's insurance policy was reportedly not renewed after CSAA relied on aerial imagery, purportedly analyzed by an AI system, to assess the roof as having reached the end of its life. The homeowner, Cindy Picos, reportedly commissioned an independent inspection suggesting the roof had a decade of remaining life, but CSAA declined to reverse the decision. The insurer reportedly did not provide the imagery for review.
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Texas Homeowner Reportedly Spent $3,000 to Contest AI-Flagged Warning of Insurance Nonrenewal
2025-05-13
In Texas, homeowners including Tracy Gartenmann reported warnings against insurance nonrenewals based on aerial imagery flagged by AI systems. Gartenmann's insurer, Travelers, reportedly cited overhanging trees. She reportedly spent $3,000 to address the issue and retain coverage. While the AI system appears to have functioned as intended, critics argue it lacks adequate human oversight and imposes material and emotional burdens on policyholders. Other cases reportedly involved disputed roof assessments. Companies such as State Farm and Nationwide used vendors like CAPE Analytics and Nearmap.
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