N.Y. Insurance Law § 3407: Property insurance; proofs of loss; notice of loss

§ 3407. Property insurance; proofs of loss; notice of loss. (a) The

failure of any person insured against loss or damage to property under

any contract of insurance, issued or delivered in this state or covering

property located in this state, to furnish proofs of loss to the insurer

or insurers as specified in such contract shall not invalidate or

diminish any claim of such person insured under such contract, unless

such insurer or insurers shall, after such loss or damage, give to such

insured a written notice that it or they desire proofs of loss to be

furnished by such insured to such insurer or insurers on a suitable

blank form or forms. If the insured shall furnish proofs of loss within

sixty days after the receipt of such notice and such form or forms, or

within any longer period of time specified in such notice, such insured

shall be deemed to have complied with the provisions of such contract of

insurance relating to the time within which proofs of loss are required.

Neither the giving of such notice nor the furnishing of such blank form

or forms by the insurer shall constitute a waiver of any stipulation or

condition of such contract, or an admission of liability thereunder.

(b) If any contract of insurance issued or delivered in this state,

covering loss of or damage to property by fire provides that the insured

give immediate notice, in writing, to the insurer, of any loss or

damage, it shall be sufficient compliance if immediate written notice is

given, by or on behalf of the insured, to any licensed agent of the

insurer in this state, with particulars sufficient to identify the

insured and the property insured under such contract and to notify the

insurer of the time and place of such loss or damage.