{"data":{"id":"us-ny/n.y.-insurance-law-3407-a","jurisdiction":"us-ny","citation":"N.Y. Insurance Law § 3407-a","heading":"Property/casualty insurance contract and policy standard provisions","body":"§ 3407-a. Property/casualty insurance contract and policy standard\nprovisions. No property/casualty insurance policy or contract shall be\nissued or issued for delivery on a risk located or resident in this\nstate insuring against damage to the insured's real property unless it\ncontains in substance the following provision or a provision which is\nequal or more favorable to the insured: a provision that in the event of\na pending claim for damage to real property, upon request, the insurer\nshall furnish to the insured's representative, designated in writing, or\nif none has been designated, to the insured, a copy of any written\nestimate or estimates of the cost of damages to real property resulting\nfrom the loss which the insurer has independently prepared for its own\npurposes, or had prepared on its behalf for its own purposes, specifying\nall appropriate deductions, within thirty days after the request or\npreparation, whichever is later, of such estimate or estimates. An\ninsurer shall not be required to provide an estimate on claims for\ndamages to real property unless it has independently prepared one or had\none prepared on its behalf for the insurer's own purposes.","path":["Insurance Law","Article 34. Insurance Contracts-property/casualty"],"source_url":"https://legislation.nysenate.gov/api/3/laws/ISC/3407-A","current_through":"2026-09-11","vintage":"","retrieved_at":"2026-09-14T19:32:45Z","sha256":"07e8b27525704435be22ead52c1d5865d96686b685c82675f5a41a13993ac8d2","source_id":"us-ny","stale":false,"prev":"us-ny/n.y.-insurance-law-3407","next":"us-ny/n.y.-insurance-law-3408"},"notice":"GroundRules: Original legal text. Not legal advice."}