Your Home Insurance Could Be at Risk
—Get Alerted Before It's Too Late
Protect your most valuable asset for free. Home Coverage Risk Alert (HCRA) notifies you of critical roof and property issues that impact your home insurance policy renewal.
Insurance Carriers Are Spying from the Sky
and Dropping Policies
The Geospatial Insurance Consortium's aerial program now covers 99% of the U.S. population. Insurance carriers are using satellites, drones, and AI-powered analysis to inspect your home without notice—and they're dropping coverage at unprecedented rates.
📊 The Crisis is Real and Documented:
California: State Farm dropped 72,000 policies; Liberty Mutual mistook solar panels for roof damage
Texas: CAPE Analytics surveils 20% of all properties; 5-year-old roofs flagged for replacement
Massachusetts: DOI confirmed insurers' legal right to aerial spying (March 2024 bulletin)
Rhode Island: United Policyholders reports ongoing non-renewals from aerial imagery
If flagged, you could face real consequences:
Non-renewal notices with as little as 30-75 days warning
Premium surcharges up to 205% for "high-risk" homes
Forced onto expensive FAIR plans as a last resort
NPR investigation (May 2025) exposed how major insurers like State Farm, Allstate, Farmers, and Travelers are actively using this technology. 68% of reinsurance companies increased AI aerial investment in 2023. But with HCRA's independent monitoring, you can stay one step ahead.
HCRA: Your Early Warning System Against Carrier Flags
We Scan Like They Do—But Alert You First to Protect Your Coverage
HCRA acts as your neutral advocate, like Carfax for vehicles or Experian for credit—
monitoring carrier-level data independently to detect risks before official reviews. As a
policyholder, you're already positioned to benefit—here's how:
Routine Aerial Analysis: We review high-res aerial imagery 3-4 times a year, checking for roof age/damage, storm wear, vegetation risks, and other issues that could trigger carrier action.
Instant Alerts: If we detect a flag (e.g., roof over age limit for 3-tab shingles, granule loss, or condition score below 70/100), you'll get a personalized notice with photo evidence and a response deadline.
Personalized Resolution: Receive a step-by-step plan, virtual inspection report, and connections to HCRA Certified contractors to repair the damage, restore eligibility, and potentially qualify for premium discounts.
The Aerial Surveillance Crisis by the Numbers
Verified by Trusted Sources
Latest Updates: NPR Investigation (May 2025) • MA DOI Bulletin (March 2024) • PA Regulatory Action (May 2024) • CT Consumer Warning (March 2024)
Real Cases: Aerial Imagery Gone Wrong
These are documented cases from NPR, state insurance departments, and consumer advocacy groups. This is happening right now across California, Texas, Massachusetts, and Rhode Island.
Solar Panels Mistaken for Damage
A 20-year customer was dropped after aerial imagery allegedly showed roof damage. Investigation revealed the 'damage' was actually their solar panels.
Source: Moneywise, 2024
Wrong Property Imaged
Garry Herceg nearly lost coverage when his insurer photographed his neighbor's property by mistake. Units shared addresses (A, B, C).
Source: NPR Investigation, 2025
5-Year-Old Roof Flagged
Alaina Callahan's roof was flagged for replacement despite being only 5 years old. She was denied access to the aerial images used.
Source: Texas DOI Complaint, 2024
No In-Person Inspection
Athena Haddon was forced to replace her original slate roof based solely on satellite imagery, with no physical inspection offered.
Source: WCVB News, 2024
Moss Removal Ignored
Jean Willard lost coverage despite a roofer confirming no issues after moss removal. The insurer refused to reconsider their aerial assessment.
Source: United Policyholders, 2024
Cosmetic Issues Flagged
Multiple homeowners reported non-renewals based on cosmetic streaking and discoloration visible from aerial photos, not structural issues.
Source: United Policyholders Report
Don't Become the Next Case Study
HCRA monitors your property independently, alerting you to issues before your insurance company's aerial surveillance flags them.
Avoid Non-Renewal and Premium Hikes in 3 Easy Steps
Flagged? Here's Your Simple Resolution Path
If your home gets flagged, don't panic—HCRA guides you through resolution to get back to "cleared" status:
Review Your HCRA Inspection Report
Check the aerial photos, damage summary (e.g., age exceeded, shingle issues, condition risks), and urgent deadline (often 30-60 days before carrier review).
Get a Free On-Site Inspection
We'll assign a top-rated, HCRA certified and carrier-approved contractor for a no-cost check to confirm issues and discuss fixes.
Repair and Clear Your Status
Based on the inspection, handle repairs (minor patches or full replacement), then submit proof to your carrier.
Pro Tip: Fixes often cost far less than premium increases—and can unlock savings like 15-50% off your policy.
Homeowners Like You Who Saved Their Coverage
Real Stories of Avoiding Non-Renewal
or Premium Increases
"After a flag for curling shingles, HCRA's plan led to simple repairs. Saved me from cancellation and kept my rates stable."
"After a flag for curling shingles, HCRA's plan led to simple repairs. Saved me from cancellation and kept my rates stable."
Mike R.
Massachusetts
"HCRA caught my roof's granule loss early. Their assigned contractor fixed it quickly, and I avoided a non-renewal plus got a 30% premium cut!"
"HCRA caught my roof's granule loss early. Their assigned contractor fixed it quickly, and I avoided a non-renewal plus got a 30% premium cut!"
Sarah T.
Rhode Island
"HCRA flagged my old roof for being over the age limit- connected me to the top local contractor. I financed it easily, qualified for a lower premium savings $200/mo-covering the loan."
"HCRA flagged my old roof for being over the age limit- connected me to the top local contractor. I financed it easily, qualified for a lower premium savings $200/mo-covering the loan."
Grant G.
Texas
Access Your Home's HCRA Monitoring Today—It's Free
Get your home scanned, subscribe to receive alerts, and access resolution plans.