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 seventy-two hours following such damaging event; establishes reimbursement and written notice requirements for such adjusters.
STATE OF NEW YORK
________________________________________________________________________
9082
IN SENATE
January 29, 2026
___________
Introduced by Sen. BAILEY -- read twice and ordered printed, and when
printed to be committed to the Committee on Insurance
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 seventy-two 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 seven-
14 ty-two hours following such event.
15 (3) During such seventy-two-hour period, no public adjuster, or any
16 representative thereof, shall come within two hundred feet of the
17 affected property or premises, nor within such distance of any person
18 known to be an owner, occupant, or tenant thereof, except as expressly
19 authorized in writing by the insured or property owner.
20 (4) Any individual who is approached or solicited by a public adjus-
21 ter, or any representative thereof, within seventy-two hours after a
22 damaging event affecting their property shall not be liable for any fee,
23 commission, or charge related thereto. Any fees already paid under such
24 circumstances shall be subject to full reimbursement upon request by the
25 individual.
EXPLANATION--Matter in italics (underscored) is new; matter in brackets
[] is old law to be omitted.
LBD14014-04-6
S. 9082 2
1 (5) Prior to engaging in any adjusting activity relating to a damaging
2 event affecting residential or commercial property, every public adjus-
3 ter, or any representative thereof, shall provide written notice to the
4 affected owners, occupants, or tenants informing them of: (A) the prohi-
5 bitions set forth in this subsection, including their right not to be
6 contacted within seventy-two hours following a damaging event; (B) their
7 right to reimbursement of any fees paid in violation thereof; and (C) on
8 a claim-specific basis, any limitations, restrictions, or changes to
9 communications with the insurer that may result from the insured's
10 retention of the public adjuster or any representative thereof. Such
11 notice shall be provided in clear and conspicuous language, in a form
12 prescribed by the superintendent, and shall require the insured to
13 acknowledge receipt of such notice in writing or electronically.
14 § 2. This act shall take effect on the ninetieth day after it shall
15 have become a law.
