2021 New York Laws
ISC - Insurance
Article 34 - Insurance Contracts-Property/casualty
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.