Prohibits public adjusters from initiating contact with, soliciting, or approaching owners, occupants, tenants, or other affected parties regarding commercial or residential property that has sustained damage from a damaging event within forty-eight hours following such damaging event; establishes reimbursement and written notice requirements for such adjusters.
STATE OF NEW YORK
________________________________________________________________________
9390--B
2025-2026 Regular Sessions
IN ASSEMBLY
December 19, 2025
___________
Introduced by M. of A. BERGER -- read once and referred to the Committee
on Insurance -- recommitted to the Committee on Insurance in accord-
ance with Assembly Rule 3, sec. 2 -- committee discharged, bill
amended, ordered reprinted as amended and recommitted to said commit-
tee -- again reported from said committee with amendments, ordered
reprinted as amended and recommitted to said committee
AN ACT to amend the insurance law, in relation to prohibiting public
adjusters from contacting certain persons regarding a property that
has sustained damage from a damaging event within forty-eight hours of
such damaging event
The People of the State of New York, represented in Senate and Assem-bly, do enact as follows:
1 Section 1. Section 2108 of the insurance law is amended by adding a
2 new subsection (t) to read as follows:
3 (t) (1) For the purposes of this subsection, "damaging event" shall
4 mean any natural or human-made occurrence that results in damage to
5 residential or commercial property, including but not limited to damage
6 or destruction caused by flood, high water, wave action, landslide,
7 mudslide, earthquake, fire, tornado, hurricane, cyclone, windstorm or
8 other storm, infestation, water contamination, explosion, structural
9 collapse, toxic release, or mechanical failure.
10 (2) No public adjuster, or any representative thereof, shall initiate
11 contact with, solicit, or approach any person known to be an owner,
12 occupant, tenant, or other affected party of a residential or commercial
13 property that has sustained damage from a damaging event within forty-
14 eight hours following such event.
15 (3) During such forty-eight-hour period, no public adjuster, or any
16 representative thereof, shall come within two hundred feet of the
17 affected property or premises except as expressly authorized in writing
18 by the insured or property owner.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD14014-05-6
A. 9390--B 2
1 (4) Any individual who is approached or solicited by a public adjus-
2 ter, or any representative thereof, within forty-eight hours after a
3 damaging event affecting their property shall not be liable for any fee,
4 commission, or charge related thereto. Any fees already paid under such
5 circumstances shall be subject to full reimbursement upon request by the
6 individual.
7 (5) Prior to engaging in any adjusting activity relating to a damaging
8 event affecting residential or commercial property, every public adjus-
9 ter, or any representative thereof, shall provide written notice to the
10 affected owners, occupants, or tenants informing them of: (A) the prohi-
11 bitions set forth in this subsection, including their right not to be
12 contacted within forty-eight hours following a damaging event; (B) their
13 right to reimbursement of any fees paid in violation thereof; and (C) on
14 a claim-specific basis, any limitations, restrictions, or changes to
15 communications with the insurer that may result from the insured's
16 retention of the public adjuster or any representative thereof. Such
17 notice shall be provided in clear and conspicuous language, in a form
18 prescribed by the superintendent, and shall require the insured to
19 acknowledge receipt of such notice in writing or electronically.
20 (6) Nothing in this section shall prohibit an affected owner, occu-
21 pant, or tenant from initiating contact with a public adjuster during
22 the forty-eight hours following a damaging event.
23 § 2. This act shall take effect on the ninetieth day after it shall
24 have become a law.
