New York property insurance claims are governed by 11 NYCRR Part 216 (Regulation 64), which sets the claim-handling deadlines and written-explanation requirements, and by Insurance Law Article 34, which covers proofs of loss, the standard fire policy, appraisal, and examinations under oath. Public adjusters are regulated under 11 NYCRR Part 25, which caps fees at 12.5 percent of the recovery. This library explains each rule in plain English, gives the exact citation, and links to the official text. Call 516-410-0164 for a free review of how your claim was handled.
Each page below answers one question a policyholder actually asks, cites the controlling rule, and links to the official New York text.
11 NYCRR Part 216 (Regulation 64)
Plain-English guide to 11 NYCRR Part 216 (Regulation 64): the 15-business-day claim deadlines, written denial requirement, and 5-day payment rule for New York policyholders.
11 NYCRR § 216.4
11 NYCRR 216.4 requires New York insurers to acknowledge a claim within 15 business days and reply to your communications within 15 business days. What it means for your claim.
11 NYCRR § 216.5
New York insurers must start investigating within 15 business days and list every document they need. What 11 NYCRR 216.5 means for your property claim.
11 NYCRR § 216.6
New York insurers must accept or reject a claim within 15 business days of a complete proof of loss and pay agreed settlements within 5 business days. Full plain-English breakdown.
11 NYCRR § 216.3
New York insurers must identify the policy provision behind any denial in writing, and an unexplained low offer is treated as misrepresenting your policy. Here's how to use it.
11 NYCRR § 216.11
New York insurers must keep every dated communication, note, and work paper in the claim file so DFS can reconstruct the claim. What that means for policyholders.
N.Y. Insurance Law § 2601
Insurance Law § 2601 bans unfair claim settlement practices as a general business practice and underpins 11 NYCRR Part 216. What it does and doesn't give policyholders.
N.Y. Insurance Law § 3407
New York's 60-day proof of loss clock starts when the insurer sends written notice and a blank form — not the date of loss. What Insurance Law 3407 means for your claim.
N.Y. Insurance Law § 3404
Insurance Law § 3404 sets New York's standard fire insurance policy, the baseline conditions every fire policy must meet — including appraisal and suit limitations.
N.Y. Insurance Law § 3408
How New York fire loss appraisal works, and how Insurance Law § 3408 lets a court appoint an umpire when the appraisers can't agree. Plain-English guide for policyholders.
N.Y. Insurance Law § 3406
New York Insurance Law § 3406 provides for delivery of your sworn examination to you. What an examination under oath is and how to prepare for one.
11 NYCRR Part 25
New York caps public adjuster fees at 12.5% and requires a written compensation agreement. What 11 NYCRR Part 25 requires and how to vet an adjuster.
New York Insurance Law § 3425
When a New York insurer can cancel or nonrenew a homeowners policy: the 60-day window, listed mid-term reasons, and required notice under Insurance Law § 3425.
New York Insurance Law § 3426
Insurance Law § 3426 limits mid-term cancellation of New York commercial property policies and requires advance notice of nonrenewal or conditional renewal.
New York Insurance Law § 3445
How New York windstorm and hurricane deductibles work: percentage of dwelling limit, storm triggers under Insurance Law § 3445, and how to challenge a misapplied deductible.
11 NYCRR Part 74 (Insurance Regulation 159)
11 NYCRR Part 74 (Regulation 159) governs New York homeowners disclosures and hurricane deductible requirements. What must be disclosed and how to use it in a claim.
New York Insurance Law § 3105
Insurance Law § 3105 lets a New York insurer void a policy only for material misrepresentation. What materiality means and how policyholders defend a rescission claim.
New York Insurance Law § 3106
Insurance Law § 3106 defeats recovery for breach of warranty only when the breach materially increased the risk of loss. Frozen pipe, vacancy, and sprinkler denials explained.
New York Insurance Law Article 54 (§§ 5401–5402)
Insurance Law Article 54 creates NYPIUA, New York's market of last resort for basic fire and extended coverage when no insurer will write your property.
New York Insurance Law § 3404(e) (standard fire policy suit provision)
New York property policies generally require suit within two years of the inception of the loss under the standard fire policy provision. How the deadline works.
New York Insurance Law § 3102
Insurance Law § 3102 sets readability standards for New York insurance policies. What it requires, what it does not do, and how ambiguity is treated.
11 NYCRR § 25.6
11 NYCRR § 25.6 requires a written, signed compensation agreement in the language of negotiation, with referral compensation disclosed. What to check before signing.
New York Insurance Law § 2108
Insurance Law § 2108 licenses public, independent, and company adjusters in New York. Who represents you, who represents the carrier, and how to verify a license.
NYS Department of Financial Services — Insurance Complaint Process
Step-by-step: filing a consumer complaint with the New York Department of Financial Services over insurance claim handling, what to include, and what DFS can do.
Every statute and 11 NYCRR part that bears on a New York property claim, with links to the official text. Entries marked with a summary link have a full page here.
The rules that govern how a New York insurer must handle your property claim: deadlines, written explanations, payment, and records.
| Citation | Title | What it covers |
|---|---|---|
| 11 NYCRR Part 216 | Unfair Claims Settlement Practices and Claim Cost Control Measures | The full Regulation 64 framework. |
| 11 NYCRR § 216.3 | Misrepresentation of policy provisions | Written denials; unexplained low offers. |
| 11 NYCRR § 216.4 | Failure to acknowledge pertinent communications | 15 business days to acknowledge and reply. |
| 11 NYCRR § 216.5 | Standards for prompt investigation of claims | Investigation start and required-document list. |
| 11 NYCRR § 216.6 | Standards for prompt, fair and equitable settlements | Decision, ACV, partial payment, and 5-day payment rules. |
| 11 NYCRR § 216.7 | Prompt, fair and equitable settlement of motor vehicle physical damage claims | Auto physical damage — outside our property practice. |
| 11 NYCRR § 216.11 | Records of claims | What must stay in the insurer's claim file. |
The statutes behind proofs of loss, the standard fire policy, appraisal, examinations under oath, and cancellation of personal lines policies.
| Citation | Title | What it covers |
|---|---|---|
| Insurance Law § 2601 | Unfair claim settlement practices; prohibited | Statutory basis for Regulation 64. |
| Insurance Law § 3404 | Fire insurance contracts; standard policy provisions | New York's standard fire insurance policy. |
| Insurance Law § 3406 | Copy of examination of insured to be delivered to insured | Your right to your examination under oath. |
| Insurance Law § 3407 | Property insurance; proofs of loss; notice of loss | The 60-day proof of loss protection. |
| Insurance Law § 3408 | Fire insurance; appraisal of loss; selection of umpire | Court-appointed umpire when appraisers deadlock. |
| Insurance Law § 3425 | Certain property/casualty policies; cancellation and renewal | Limits mid-term cancellation and requires advance notice on covered personal lines policies. |
| Insurance Law § 3426 | Commercial lines insurance; cancellation and renewal provisions | Commercial cancellation, nonrenewal, and conditional renewal notice. |
| Insurance Law § 3445 | Windstorm insurance notice; deductible trigger standards | When a hurricane or windstorm deductible can apply. |
| Insurance Law § 3105 | Representations by the insured | Only a material misrepresentation can void a policy. |
| Insurance Law § 3106 | Warranty defined; effect of breach | Vacancy, heat-maintenance, and protective safeguard denials. |
| Insurance Law § 3404(e) | Standard fire policy suit provision — two years | The deadline to sue your insurer. |
| Insurance Law § 3102 | Requirements for readable and understandable insurance policies | Plain-language policy requirements. |
| Insurance Law Article 54 | New York Property Insurance Underwriting Association (NYPIUA) | New York's market of last resort for basic property coverage. |
The disclosures a New York insurer must give personal lines policyholders, including how hurricane and windstorm deductibles operate.
| Citation | Title | What it covers |
|---|---|---|
| 11 NYCRR Part 74 | Homeowners insurance disclosure information; hurricane deductible requirements | Regulation 159 disclosure and uniform hurricane deductible standards. |
The licensing, contract, and compensation rules that apply to us and to anyone else offering to handle your claim.
| Citation | Title | What it covers |
|---|---|---|
| 11 NYCRR Part 25 | Public Adjusters | Written agreements and the 12.5% fee cap. |
| 11 NYCRR § 25.6 | Compensation agreement | What your adjuster's contract must contain. |
| 11 NYCRR § 25.7 | Maximum compensation | 12.5% cap; 20% supplemental exception. |
| Insurance Law § 2108 | Adjusters; licensing | Licensing statute for public and independent adjusters. |
Official New York sources you can check yourself.
| Citation | Title | What it covers |
|---|---|---|
| NYS DFS | File an insurance complaint with the Department of Financial Services | The regulator that enforces Part 216. |
| NYS DFS | Verify an insurance license | Check any adjuster's New York license. |
| NYCRR | Official New York Codes, Rules and Regulations — Title 11 (Insurance) | The full official regulation set. |
These summaries are general information for New York policyholders from a licensed public adjuster (NY License # PA-1156995), not legal advice. The official statute and regulation text controls, and your own policy language governs your claim.
How these rules work and how to use them on a real claim.