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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 September 26, 2023 · Fact-checked by Brelly Legal Team
The deep guide
The New York Guide to Property Insurance Claims: Deadlines, Laws, and FAQs
Essential information for homeowners, businesses, and other professionals about New York property insurance statutes, deadlines, and other FAQs.
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Making Your Claim -- Frequently Asked Questions
The first step in your property insurance claim is to notify your insurer about your losses. Not only is doing this the only way to get your claim moving, it’s one of your duties of a loss under your insurance policy.
Proving Your Loss - Frequently Asked Questions
After you’ve notified your insurance company and started your claim, you need to prove your losses to your insurance company. Proving that your property suffered losses and that those losses are covered under your insurance policy is at the heart of an insurance claim. As a result, it’s also the most difficult stage in the claims process and where policyholders most often make mistakes. Fortunately, New York laws do provide you with basic protections at this stage under the New York Insurance Code. Read more to understand how.
Getting Your Check -- Frequently Asked Questions
Getting reimbursed for your losses — it’s the reason you pay premiums. Here are answer to frequently asked questions as this last, critical stage in your insurance claim
Primary sources
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The guide links sources beside the assertion they support. This directory provides a state-level route into the reviewed source set.
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§ 2403. Unfair methods of competition or unfair and deceptive acts or practices prohibited
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§ 2406. Procedure after report; defined violation
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§ 2601. Unfair claim settlement practices; penalties
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§ 2604. False statements as to insurers
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11 CRR-NY 216.3 Misrepresentation of policy provisions
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11 CRR-NY 216.4 Failure to acknowledge pertinent communications
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11 CRR-NY 216.5 Standards for prompt investigation of claim
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11 CRR-NY 216.6 Standards for prompt, fair and equitable settlements
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§ 2606. Discrimination because of race, color, creed, national origin, or disability
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§ 2607. Discrimination because of sex or marital status
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§ 2608. Discrimination because of treatment for a mental disability
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§ 3102. Requirements for the use of readable and understandable insurance policies
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§ 3103. Non-conforming contracts
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§ 3105. Representations by the insured
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§ 3106. Warranty defined; effect of breach
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§ 3404. Fire insurance contracts; standard policy provisions; permissible variations
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§ 3405. Fire insurance contract; losses from nuclear reaction or radiation
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§ 3406. Copy of examination of insured to be delivered to insured
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§ 3407. Property insurance; proofs of loss; notice of loss
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§ 3407-a. Property/casualty insurance contract and policy standard provisions
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§ 3408. Fire insurance; appraisal of loss; procedure for selection of umpire on failure to agree
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§ 3410. Fire insurance contract; payment of liens on proceeds; certain cases
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§ 3444. Flood insurance notice
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§ 3445. Windstorm insurance notice
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