Plain-language guides to New York insurance law, your rights as a policyholder, and how to navigate the claims process.
Regulatory body: New York Department of Financial Services
Plain-language guide to homeowners insurance in New York. Understand dwelling, personal property, liability, and loss of use coverage — and your rights as a policyholder.
State minimum auto insurance requirements in New York, what liability limits mean for you, and what additional coverages protect you when minimums are not enough.
New York insurance prompt payment deadlines, penalties for late payment, and what to do when your insurer misses the statutory timeline.
What constitutes insurance bad faith in New York, the legal standard, and what damages are available when your insurer fails to deal fairly with your claim.
When can your New York insurer cancel or non-renew your policy? Required notice periods, valid reasons, and what to do if you disagree with the decision.
What loss of use (Coverage D) pays for in New York, how the necessary increase standard works, and how to maximize your ALE claim.
How replacement cost and actual cash value work in New York insurance claims, what depreciation means for your payout, and how to recover the full replacement cost.
What a proof of loss is in New York insurance claims, when you must file one, what happens if you miss the deadline, and how to complete it correctly.
What a public adjuster does in New York, how they are regulated, what they charge, and when hiring one makes sense for your insurance claim.
How the appraisal clause works in New York homeowners and property insurance, when you can invoke it, and how the appraisal process resolves disputes over the amount of a loss.
How uninsured and underinsured motorist coverage works in New York, stacking rules, and what to do when the at-fault driver has no insurance.
What diminution in value is, whether New York law allows it as part of your auto claim, and how to document your vehicle's lost market value after a collision repair.
What renters insurance covers in New York, how much personal property protection you need, what liability limits mean, and common renters insurance mistakes to avoid.
What a personal umbrella policy covers in New York, how it layers over your existing coverage, and who needs umbrella insurance.
Why homeowners insurance does not cover flooding in New York, how NFIP and private flood insurance work, and what flood zone you are in.
How earthquake insurance works in New York, what standard policies exclude, and whether earthquake coverage makes sense for your property.
How to request an independent external review of a health insurance denial in New York, who is eligible, and what the process looks like.
Step-by-step guide to filing a complaint with the New York insurance department, what the process looks like, and when to escalate beyond the regulatory complaint.
How wind and hail damage claims work in New York, wind/hail deductibles, and what to do when your insurer's damage assessment falls short.
How to protect yourself from insurance fraud in New York, what contractor scams look like after disasters, and how to report suspected fraud.