Relating to insurer use of aerial images for nonrenewal of residential property insurance policies.

HB 153 requires Texas insurers to provide specific written notices when using aerial images to decide not to renew residential property insurance policies. It mandates that notices include date-stamped images showing property defects (taken within the past year) and clear steps for policyholders to address issues. Insurers must establish contact points for policyholders to submit repair documentation and create an appeals process for disputed decisions. This bill directly affects Texas homeowners whose insurance may be nonrenewed based on aerial image assessments. The law applies to all residential property insurers licensed in Texas and aims to increase transparency in nonrenewal decisions.