How to find the date of the aerial image in your insurance letter
Look for a capture date beside the photo, in the inspection report attached to the notice, or in fine print near the reason. If it isn't there, ask for it in writing. The date can decide whether your state lets the insurer rely on that image.
Where to look
- Next to the photo. Many notices print "Image date", "Capture date" or "Flight date" under or on the image.
- In an attached report. Some insurers send a separate "property inspection" or "underwriting inspection" page with the image vendor's name and date.
- In the reason paragraph. Phrases like "based on imagery obtained on..." or "recent aerial review".
- Online. Your insurer's policy portal sometimes has the inspection report even when the letter doesn't.
If there's no date
Send this to your insurer, keep a copy, and note the date you sent it:
"Re: policy [number], notice dated [date]. Please send me a copy of each aerial or other image used in this decision, the date each image was captured, the source of the image, and the specific condition you identified and where it is on the roof. I intend to dispute this decision before the effective date."
What the date tells you
- Colorado: images used for underwriting should be no more than 12 months old (Bulletin B-5.57).
- Georgia: from Jan 1, 2027, notices must include date-stamped images taken within 12 months of the notice date (HB 1344).
- Florida: no image-age rule, but an old image may show a problem you've since fixed, so show your repair receipts and current photos.
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