N.Y. Insurance Law § 3407-a: Property/casualty insurance contract and policy standard provisions

§ 3407-a. Property/casualty insurance contract and policy standard

provisions. No property/casualty insurance policy or contract shall be

issued or issued for delivery on a risk located or resident in this

state insuring against damage to the insured's real property unless it

contains in substance the following provision or a provision which is

equal or more favorable to the insured: a provision that in the event of

a pending claim for damage to real property, upon request, the insurer

shall furnish to the insured's representative, designated in writing, or

if none has been designated, to the insured, a copy of any written

estimate or estimates of the cost of damages to real property resulting

from the loss which the insurer has independently prepared for its own

purposes, or had prepared on its behalf for its own purposes, specifying

all appropriate deductions, within thirty days after the request or

preparation, whichever is later, of such estimate or estimates. An

insurer shall not be required to provide an estimate on claims for

damages to real property unless it has independently prepared one or had

one prepared on its behalf for the insurer's own purposes.