Reviewed source
State resource center
New York claim resources.
A single starting point for New York-specific guidance, primary sources, and the broader claim topics you may need next.
Reviewed guide updated August 3, 2026 · Fact-checked by Brelly Legal Team
The deep guide
The New York Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
New York has several property-insurance deadlines. The hard part is figuring out which event starts which one.
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Start with the stage closest to your claim, then continue into the reviewed state guide for details and sources.
Primary sources
See where the guidance comes from.
The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
Reviewed source
Insurance Law §2303 — rate standards
Insurance Law §2303Reviewed source
Insurance Law §§2403 and 2406 — regulator procedure
Insurance Law §§2403 and 2406Reviewed source
Insurance Law §2601 — unfair claim settlement practices
Insurance Law §2601Reviewed source
Insurance Law §§2604 and 2606–2608 — other misconduct and discrimination
Insurance Law §§2604 and 2606–2608Reviewed source
Insurance Law §§3102 and 3103 — readable and conforming policies
Insurance Law §§3102 and 3103Reviewed source
Insurance Law §§3105 and 3106 — representations and warranties
Insurance Law §§3105 and 3106Reviewed source
Insurance Law §3404 — the Standard Fire Policy
Insurance Law §3404Reviewed source
Insurance Law §3405 — nuclear reaction or radiation
Insurance Law §3405Reviewed source
Insurance Law §3406 — copy of an examination
Insurance Law §3406Reviewed source
Insurance Law §3407 — proof forms and notice
Insurance Law §3407Reviewed source
Insurance Law §3407-a — copy of an insurer-prepared estimate
Insurance Law §3407-aReviewed source
Insurance Law §3408 — appraisal
Insurance Law §3408Reviewed source
Insurance Law §3410 — fire-proceeds tax liens
Insurance Law §3410Reviewed source
Insurance Law §3444 — flood notice
Insurance Law §3444Reviewed source
Insurance Law §3445 — windstorm deductible notice
Insurance Law §3445Keep the claim moving
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