‘No protection’: This Florida homeowner was dropped by his insurer after drone images indicated roof damage — here’s what you can do if your insurer threatens to cancel your policy

“The photo looked like it was taken in 1936,” Arman told Realtor.com, despite the roof being just six years old.

After securing new coverage, drone footage was used to justify a 25% premium hike. far exceeding the 6% average increase homeowners are expected to face by the end of the year, according to the National Realty Association.

Florida homeowners like Arman are finding themselves at the mercy of digital inspections, with insurance companies using drones and satellite images to make decisions about their coverage.

Here’s what you need to know about these inspections and how to protect yourself.

Is your home being inspected by a drone?

Across the U.S., insurance companies are using drones to capture aerial images of homes to identify high-risk properties. The Wall Street Journal reports that nearly every building is being photographed, often without homeowners knowing, leaving many at risk of losing coverage.

'Policyholders in Florida have no protection from any predatory, arbitrary or capricious decisions of insurance companies,' Arman told DailyMail.com.

State Farm was the first to use drones in 2015, and since then, their popularity has skyrocketed. Drones have become a common tool for property and casualty insurance assessments, improving the efficiency and accuracy of inspections, according to Cognizant. Insurers claim this allows for faster claims processing and better risk assessment. However, this practice is leaving homeowners like Arman scrambling to find affordable alternatives.

Amy Bach, executive director of United Policyholders noted a growing trend: “We’ve seen a dramatic increase across the country in reports from consumers who’ve been dropped by their insurers on the basis of an aerial image,” she told the WSJ.

Cases similar to Arman’s are surfacing elsewhere, including one in California, where homeowner Joan Van Kuren lost coverage after drone footage revealed clutter on her property.