New York Homeowners Claim Deadlines: What Regulation 64 Requires Your Insurer to Do
New York insurers have firm deadlines for acknowledging, deciding and paying property claims. Here's what Regulation 64 says and what to do when a claim stalls.
New York
Insurance
Flood coverage, NYPIUA, hurricane deductibles, non-renewal notices and Regulation 64 claim deadlines for people in New York.
By type of coverage
The insurance posts, sorted by who they are written for.
- Medicare & retirement (0 articles). Medicare, long-term care and planning for retirement. RSS
- P&C (6 articles). Property and casualty: home, auto, flood and wind coverage. RSS
- Life & medical (0 articles). Life insurance and health coverage for individuals and families. RSS
Articles
New York Minimum Auto Insurance: 25/50/10 and $50,000 No-Fault
New York requires 25/50/10 liability plus $50,000 of no-fault PIP to register a car. What those dollars pay, and the 30-day notice rule for a claim.
New York Home Insurance Non-Renewal: The 45 to 60 Day Rule
New York home insurers must send a written non-renewal notice at least 45 and no more than 60 days before the policy period ends, with the specific reason. If the notice is late or missing, you're entitled to renew by paying the premium on time.
New York Hurricane Deductibles: The 2026 Rules
A New York hurricane deductible is a separate percentage deductible for hurricane wind damage. Since February 2, 2026, it can only apply when the National Weather Service determines a hurricane made landfall in New York, and only within a set window.
New York's FAIR Plan (NYPIUA): How It Works
NYPIUA is New York's insurer of last resort, an association of every insurer that sells fire insurance in the state. It writes property coverage when the regular market won't, but leaves out liability, theft, and flood. Coastal owners may pair it with C-MAP.
Does Homeowners Insurance Cover Flooding in New York?
A standard New York homeowners or renters policy doesn't cover flood damage. You need a separate flood policy, usually through the NFIP, and it normally takes 30 days to start. Coverage goes up to $250,000 for a home and $100,000 for contents.
Subscribe the feed to your site
New posts appear on your site automatically. Keep each post's canonical link pointed at the hub article.
Once you are listed for insurance in New York, your feed is /hubs/new-york/insurance/feed/<agent-slug>.xml.
The shared feed has no personal byline: insurance/feed.xml.
Want a site that can pull these as editable drafts?