- Summary
- Actions
- Committee Votes
- Floor Votes
- Memo
- Text
- LFIN
- Chamber Video/Transcript
A02078 Summary:
BILL NO | A02078 |
  | |
SAME AS | SAME AS S05201 |
  | |
SPONSOR | Stern |
  | |
COSPNSR | Otis, Santabarbara, Pheffer Amato, Weprin, Eachus |
  | |
MLTSPNSR | |
  | |
Add §2618, Ins L | |
  | |
Establishes standards for the prompt investigation and settlement of claims arising out of states of emergency and disasters. |
A02078 Actions:
BILL NO | A02078 | |||||||||||||||||||||||||||||||||||||||||||||||||
  | ||||||||||||||||||||||||||||||||||||||||||||||||||
01/23/2023 | referred to insurance | |||||||||||||||||||||||||||||||||||||||||||||||||
04/26/2023 | reported referred to codes | |||||||||||||||||||||||||||||||||||||||||||||||||
05/09/2023 | reported | |||||||||||||||||||||||||||||||||||||||||||||||||
05/11/2023 | advanced to third reading cal.199 | |||||||||||||||||||||||||||||||||||||||||||||||||
05/18/2023 | passed assembly | |||||||||||||||||||||||||||||||||||||||||||||||||
05/18/2023 | delivered to senate | |||||||||||||||||||||||||||||||||||||||||||||||||
05/18/2023 | REFERRED TO INSURANCE | |||||||||||||||||||||||||||||||||||||||||||||||||
06/06/2023 | SUBSTITUTED FOR S5201 | |||||||||||||||||||||||||||||||||||||||||||||||||
06/06/2023 | 3RD READING CAL.1490 | |||||||||||||||||||||||||||||||||||||||||||||||||
06/06/2023 | PASSED SENATE | |||||||||||||||||||||||||||||||||||||||||||||||||
06/06/2023 | RETURNED TO ASSEMBLY | |||||||||||||||||||||||||||||||||||||||||||||||||
12/27/2023 | delivered to governor | |||||||||||||||||||||||||||||||||||||||||||||||||
01/26/2024 | signed chap.775 | |||||||||||||||||||||||||||||||||||||||||||||||||
01/26/2024 | approval memo.94 |
A02078 Committee Votes:
Weprin | Aye | Blankenbush | Nay | ||||||
Cook | Aye | Hawley | Nay | ||||||
Pretlow | Aye | Palmesano | Nay | ||||||
Lavine | Aye | Gandolfo | Nay | ||||||
Steck | Aye | Curran | Nay | ||||||
Dilan | Aye | Jensen | Nay | ||||||
Hunter | Aye | Blumencranz | Nay | ||||||
Rosenthal | Aye | Bendett | Nay | ||||||
Stern | Aye | ||||||||
Jacobson | Aye | ||||||||
Meeks | Aye | ||||||||
Forrest | Aye | ||||||||
Anderson | Aye | ||||||||
Cruz | Aye | ||||||||
Bores | Aye | ||||||||
Lunsford | Aye | ||||||||
Dinowitz | Aye | Morinello | Nay | ||||||
Pretlow | Aye | Reilly | Nay | ||||||
Cook | Aye | Mikulin | Nay | ||||||
O'Donnell | Aye | Tannousis | Nay | ||||||
Lavine | Aye | Curran | Nay | ||||||
Weprin | Aye | Angelino | Nay | ||||||
Hevesi | Aye | Flood | Nay | ||||||
Seawright | Aye | ||||||||
Rosenthal | Aye | ||||||||
Walker | Absent | ||||||||
Vanel | Aye | ||||||||
Cruz | Aye | ||||||||
Carroll | Aye | ||||||||
Simon | Aye | ||||||||
Epstein | Aye | ||||||||
Go to top
A02078 Floor Votes:
ER
Alvarez
Yes
Carroll
Yes
Flood
Yes ‡
Kim
ER
Palmesano
No
Simpson
Yes
Anderson
Yes
Chandler-Waterm
Yes
Forrest
Yes
Lavine
ER
Paulin
Yes
Slater
No
Angelino
Yes
Chang
No
Friend
Yes
Lee
Yes
Peoples-Stokes
Yes
Smith
Yes
Ardila
Yes
Clark
Yes
Gallagher
No
Lemondes
Yes
Pheffer Amato
No
Smullen
Yes
Aubry
Yes
Colton
No
Gallahan
Yes
Levenberg
Yes
Pirozzolo
Yes
Solages
No
Barclay
Yes
Conrad
Yes
Gandolfo
Yes
Lucas
Yes
Pretlow
Yes
Steck
Yes
Barrett
Yes
Cook
Yes
Gibbs
Yes
Lunsford
Yes
Ra
Yes
Stern
Yes
Beephan
Yes
Cruz
Yes
Giglio JA
Yes
Lupardo
Yes
Raga
Yes
Stirpe
No
Bendett
Yes
Cunningham
Yes
Giglio JM
Yes
Magnarelli
Yes
Rajkumar
Yes
Tague
Yes
Benedetto
Yes
Curran
Yes
Glick
ER
Maher
Yes
Ramos
Yes
Tannousis
ER
Bichotte Hermel
ER
Darling
Yes
Gonzalez-Rojas
Yes
Mamdani
Yes
Reilly
Yes
Tapia
No
Blankenbush
Yes
Davila
No
Goodell
No
Manktelow
ER
Reyes
Yes
Taylor
No
Blumencranz
Yes
De Los Santos
No
Gray
Yes
McDonald
Yes
Rivera
Yes
Thiele
Yes
Bores
Yes
DeStefano
Yes
Gunther
ER
McDonough
Yes
Rosenthal D
Yes
Vanel
No
Brabenec
Yes
Dickens
No
Hawley
Yes
McGowan
Yes
Rosenthal L
Yes ‡
Walker
Yes
Braunstein
Yes
Dilan
ER
Hevesi
Yes
McMahon
ER
Rozic
Yes
Wallace
Yes
Bronson
Yes
Dinowitz
Yes
Hunter
Yes
Meeks
Yes
Santabarbara
No
Walsh
Yes
Brook-Krasny
No ‡
DiPietro
Yes
Hyndman
Yes
Mikulin
Yes
Sayegh
Yes
Weinstein
Yes
Brown E
Yes
Durso
Yes
Jackson
Yes
Miller
Yes
Seawright
Yes
Weprin
Yes
Brown K
Yes
Eachus
Yes
Jacobson
Yes
Mitaynes
ER
Septimo
Yes
Williams
Yes
Burdick
Yes
Eichenstein
Yes
Jean-Pierre
No
Morinello
Yes
Shimsky
Yes
Woerner
Yes
Burgos
Yes
Epstein
No
Jensen
Yes
Norris
Yes
Shrestha
ER
Zaccaro
Yes ‡
Burke
Yes
Fahy
Yes
Jones
Yes
Novakhov
Yes
Sillitti
Yes
Zebrowski
Yes
Buttenschon
Yes
Fall
Yes
Joyner
ER
O'Donnell
Yes
Simon
Yes
Zinerman
No
Byrnes
Yes
Fitzpatrick
Yes
Kelles
Yes
Otis
Yes
Simone
Yes
Mr. Speaker
‡ Indicates voting via videoconference
A02078 Text:
Go to top STATE OF NEW YORK ________________________________________________________________________ 2078 2023-2024 Regular Sessions IN ASSEMBLY January 23, 2023 ___________ Introduced by M. of A. STERN, OTIS, SANTABARBARA, PHEFFER AMATO -- read once and referred to the Committee on Insurance AN ACT to amend the insurance law, in relation to standards for prompt investigation and settlement of claims arising from states of emergen- cy The People of the State of New York, represented in Senate and Assem- bly, do enact as follows: 1 Section 1. The insurance law is amended by adding a new section 2618 2 to read as follows: 3 § 2618. Standards for prompt investigation and settlement of claims. 4 (a) This section shall apply to every insurer who writes policies that 5 cover loss of or damage to real property, personal property or other 6 liabilities for loss of, damage to, or injury to persons or property 7 when a local state of emergency is declared pursuant to section twenty- 8 four of the executive law, when the governor declares a disaster emer- 9 gency pursuant to section twenty-eight of the executive law, or when the 10 President issues a major disaster or emergency declaration pursuant to 11 the Robert T. Stafford Disaster Relief and Emergency Assistance Act 12 (P.L. 93-288), for claims arising from such emergency. 13 (1) An insurer shall acknowledge the receipt of all claims in writing 14 to the claimant or the claimant's authorized representative in accord- 15 ance with regulations promulgated by the superintendent; 16 (2) If the insurer wishes its investigation to include an inspection 17 of damaged or destroyed property, the inspection, whether performed by 18 the insurer, an independent adjuster, or other representative of the 19 insurer, shall occur in accordance with regulations promulgated by the 20 superintendent. Furthermore, where necessary to protect the health and 21 safety of the claimant, immediate repairs to windows, exterior walls, 22 exterior doors, roofs, heating systems, water systems and electrical 23 systems may be made and alternative proof of loss such as photographs, EXPLANATION--Matter in italics (underscored) is new; matter in brackets [] is old law to be omitted. LBD02303-01-3A. 2078 2 1 video recordings, inventories and all receipts for repairs or replace- 2 ment property shall satisfy policy requirements; 3 (3) A claim filed with an agent of an insurer shall be deemed to have 4 been filed with the insurer unless, consistent with law or contract, the 5 agent notifies the person filing the claim that the agent is not author- 6 ized to receive notices of claim; and 7 (4) An insurer shall furnish to such claimant, or claimant's author- 8 ized representative, a notification of all items, statements and forms, 9 if any, which the insurer reasonably believes will be required of the 10 claimant in order to investigate such claim in accordance with regu- 11 lations promulgated by the superintendent. 12 (b)(1) An insurer shall, within fifteen business days of receipt of 13 all items, statements and forms requested under this section from the 14 claimant, or the claimant's authorized representative, advise the claim- 15 ant in writing whether the insurer has accepted or rejected the claim. 16 (2) An insurer shall be granted a one-time extension of fifteen busi- 17 ness days to determine whether a claim should be accepted or rejected. 18 If the insurer elects to utilize this extension, it shall so notify the 19 claimant, or the claimant's authorized representative, in writing. Such 20 notification shall include the reasons additional time is needed for the 21 investigation. 22 (3) Once the claim is accepted by the insurer, the insurer shall 23 advise the claimant, or the claimant's authorized representative, in 24 writing of the amount the insurer is offering to settle the claim. The 25 insurer shall also provide to the claimant, or the claimant's authorized 26 representative, in writing, of all applicable policy provisions regard- 27 ing the claimant's right to reject and appeal the offer. 28 (4) In any case where the claim is rejected by the insurer, the insur- 29 er shall notify the claimant, or the claimant's authorized represen- 30 tative, in writing, of all applicable policy provisions regarding the 31 claimant's right to appeal the decision. 32 (c) An insurer shall pay the claim not later than three business days 33 from the settlement of the claim. 34 (d) The superintendent may promulgate any rules or regulations neces- 35 sary to implement the provisions of this section. 36 § 2. This act shall take effect immediately.