reglab/housing_qa huggingface dataset:
NY Ins L § 3236 (2021)
2021 New York Laws ISC - Insurance Article 32 - Insurance Contracts - Life, Accident and Health, Annuities 3236 - Public Health Law Assessments.

§  3236. Public health law assessments.  Any insurer licensed pursuant to this  chapter  and  any  health  maintenance  organization  certified pursuant  to  article  forty-four  of  the public health law or licensed pursuant to this chapter shall reflect the methodology for financing the costs of graduate medical education in general hospitals and  affiliated sites,  uncompensated  care  in  general  hospitals  and  diagnostic and treatment centers, and  other  publicly  financed  programs  established pursuant  to sections twenty-eight hundred seven-j, twenty-eight hundred seven-k, twenty-eight hundred  seven-l,  twenty-eight  hundred  seven-m, twenty-eight   hundred   seven-p,   twenty-eight   hundred  seven-s  and twenty-eight hundred seven-t of the public health law for  hospital  and other health care services provided on and after January first, nineteen hundred   ninety-seven   in   policies   and   contracts  which  provide reimbursement for, and in  arrangements  reflecting  anticipated  claims costs for, any of the following services:  (a)  inpatient hospital services provided by a general hospital issued an operating certificate pursuant to article twenty-eight of the  public health law;  (b) outpatient hospital services provided by a general hospital issued an  operating certificate pursuant to article twenty-eight of the public health law;  (c) emergency services  provided  by  a  general  hospital  issued  an operating  certificate  pursuant  to  article twenty-eight of the public health law;  (d) ambulatory surgical services provided by a general hospital issued an operating certificate pursuant to article twenty-eight of the  public health law;  (e)   ambulatory  surgical  services  provided  by  a  diagnostic  and treatment center issued an operating  certificate  pursuant  to  article twenty-eight of the public health law;  (f) health care services provided by a diagnostic and treatment center issued  an operating certificate pursuant to article twenty-eight of the public health law;  (g) clinical laboratory services provided  by  a  clinical  laboratory issued  a  permit  pursuant  to title five of article five of the public health law.
NY Ins L § 3237 (2021)
2021 New York Laws ISC - Insurance Article 32 - Insurance Contracts - Life, Accident and Health, Annuities 3237 - Health Insurance Coverage for Full-Time Students on Medical Leaves of Absence.

§  3237.  Health  insurance coverage for full-time students on medical leaves of absence. (a) Every  individual  health  insurance  policy  and every  group  or  blanket  accident  and  health  insurance  policy that provides coverage for dependent children who are full-time students to a higher age than other dependent children shall continue the coverage  of a covered dependent student who takes a leave of absence from school due to illness for a period of twelve months from the last day of attendance in school, provided, however, that nothing in this section shall require coverage  of  a dependent student beyond the age at which coverage would otherwise terminate.  (b) In order to qualify under this section, the medical necessity of a leave of absence from school must  be  certified  to  by  the  student's attending  physician  who  is  licensed  to practice in the state of New York. Written documentation of the illness  must  be  submitted  to  the insurer.  (c)  The  rate charged for such extended coverage shall be the same as that charged while the dependent is enrolled as a full-time student.
NY Ins L § 3243 (2021)
2021 New York Laws ISC - Insurance Article 32 - Insurance Contracts - Life, Accident and Health, Annuities 3243 - Discrimination Because of Sex or Marital Status in Hospital, Surgical or Medical Expense Insurance.

§  3243.  Discrimination because of sex or marital status in hospital, surgical or medical expense insurance. (a) With regard  to  an  accident and health insurance policy that provides hospital, surgical, or medical expense  coverage  or a policy of student accident and health insurance, as defined in subsection (a) of section three thousand two hundred forty of this article, delivered or issued for  delivery  in  this  state,  no insurer  shall  because  of  sex,  marital status or based on pregnancy, false  pregnancy,  termination  of  pregnancy,  or  recovery  therefrom, childbirth or related medical conditions:  (1)  make  any distinction or discrimination between persons as to the premiums or rates  charged  for  the  policy  or  in  any  other  manner whatever;  (2)  demand  or  require  a  greater  premium  from any person than it requires at that time from others in similar cases;  (3) make or require any rebate, discrimination or  discount  upon  the amount to be paid or the service to be rendered on any policy;  (4)  insert  in  the  policy  any  condition, or make any stipulation, whereby the  insured  binds  his  or  herself,  or  his  or  her  heirs, executors,  administrators or assigns, to accept any sum or service less than the full value or amount of such policy in case of a claim  thereon except  such  conditions  and stipulations as are imposed upon others in similar cases; and any such stipulation or condition so made or inserted shall be void;  (5) reject any application for a policy issued or sold by it;  (6) cancel or refuse  to  issue,  renew  or  sell  such  policy  after appropriate application therefor;  (7)  fix  any lower rate or discriminate in the fees or commissions of insurance agents or insurance brokers for writing  or  renewing  such  a policy; or  (8) engage in sexual stereotyping.  (b)  For  the  purposes  of  this  section, "sex" shall include sexual orientation, gender identity or expression, and transgender status.
NY Ins L § 3401 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3401 - Insurable Interest in Property.

§  3401.  Insurable  interest  in  property.  No contract or policy of   insurance on property made or issued in this state, or  made  or  issued   upon  any  property  in  this state, shall be enforceable except for the   benefit of some person having an  insurable  interest  in  the  property   insured.  In this article, "insurable interest" shall include any lawful   and substantial economic interest  in  the  safety  or  preservation  of   property from loss, destruction or pecuniary damage.
NY Ins L § 3402 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3402 - Executory Contract Not a Change in Interest, Title or Possession.

§  3402.  Executory  contract  not  a  change  in  interest,  title or   possession. The making of  a  contract  to  sell  or  to  exchange  real   property  shall  not  constitute  a  change  in  the  interest, title or   possession, within the meaning  of  the  applicable  provisions  of  any   contract of fire insurance, including any contract supplemental thereto,   covering property located in this state.
NY Ins L § 3405 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3405 - Fire Insurance Contract; Losses From Nuclear Reaction or Radiation.

§  3405.  Fire  insurance  contract;  losses  from nuclear reaction or radiation. (a) Insurers  issuing  the  standard  fire  insurance  policy pursuant to section three thousand four hundred four of this article are authorized  to  affix  or include in the policy a written statement that such policy does not cover loss or damage caused by nuclear reaction  or nuclear  radiation or radioactive contamination, all whether directly or indirectly resulting from an insured peril under such policy.  (b) This section shall not prohibit the attachment to any such  policy of  an  endorsement  specifically  assuming  coverage for loss or damage caused  by  nuclear  reaction  or  nuclear  radiation   or   radioactive contamination.
NY Ins L § 3406 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3406 - Copy of Examination of Insured to Be Delivered to Insured.

§ 3406. Copy of examination of insured to be delivered to insured. (a) If  any  policy  or  contract  of  insurance  against  loss or damage to property located in this state  contains  any  provision  requiring  the insured to permit any examination by the insurer of the insured, or of a member of his family, or of any employee of the insured, and if any such examination takes place and is reduced to writing, whether or not signed by the insured or by such person so examined, such insurer shall, within ten days from the time when the insured shall have requested the same in writing,  deliver  to the insured a copy of such  examination so reduced to writing.  (b) If such copy is not delivered to the insured as required, no  part of  the  examination shall be used by the insurer as a part of the proof of loss or damage or as evidence in any action or proceeding based  upon or involving such policy or contract.
NY Ins L § 3407 (2021)
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.
NY Ins L § 3407-A (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3407-A - Property/casualty Insurance Contract and Policy Standard Provisions.

§  3407-a.  Property/casualty  insurance  contract and policy standard   provisions. No property/casualty insurance policy or contract  shall  be   issued  or  issued  for  delivery  on a risk located or resident in this   state insuring against damage to the insured's real property  unless  it   contains  in  substance  the following provision or a provision which is   equal or more favorable to the insured: a provision that in the event of   a pending claim for damage to real property, upon request,  the  insurer   shall furnish to the insured's representative, designated in writing, or   if  none  has  been  designated,  to  the insured, a copy of any written   estimate or estimates of the cost of damages to real property  resulting   from  the  loss which the insurer has independently prepared for its own   purposes, or had prepared on its behalf for its own purposes, specifying   all appropriate deductions, within thirty  days  after  the  request  or   preparation,  whichever  is  later,  of  such  estimate or estimates. An   insurer shall not be required to  provide  an  estimate  on  claims  for   damages to real property unless it has independently prepared one or had   one prepared on its behalf for the insurer's own purposes.
NY Ins L § 3408 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3408 - Fire Insurance; Appraisal of Loss; Procedure for Selection of Umpire on Failure to Agree.

§  3408. Fire insurance; appraisal of loss; procedure for selection of umpire on failure to agree. (a) Whenever application shall be  made  for the  selection  of  an  umpire  pursuant  to  the provisions relating to appraisals contained in the standard fire insurance policy of the  state of  New York it shall be made to a justice of the supreme court residing in the county or to a county judge of the county in which  the  lost  or damaged  property  is  or  was located. The application shall be on five days' notice in writing to the other party. Any such notice in  writing, when  served  by  the insured, may be served upon any local agent of the insurer.  (b) The court shall, on proof by affidavit of the failure  or  neglect of  the  appraisers  to  agree upon and select an umpire within the time provided in such policy, and  of  the  service  of  notice  pursuant  to subsection  (a)  hereof, forthwith appoint a competent and disinterested person to act as such umpire in the ascertainment of the amount of  such loss or damage.  (c)  In  the  event  of a covered loss, whenever an insured or insurer fails to proceed with an appraisal upon  demand  of  the  other,  either party may apply to the court in the manner provided in subsection (a) of this  section  for  an  order  directing  the  other to comply with such demand.  An  appraisal  shall  determine  the  actual  cash  value,  the replacement cost, the extent of the loss or damage and the amount of the loss  or damage which shall be determined as specified in the policy and shall proceed pursuant to the terms of the applicable  appraisal  clause of  the  insurance policy and not as an arbitration. Notwithstanding the provisions of this subsection, an appraisal shall not determine  whether the  policy  actually  provides  coverage for any portion of the claimed loss or damage.
NY Ins L § 3409 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3409 - Distribution of Hazardous Material Report Forms.

§   3409.   Distribution  of  hazardous  material  report  forms.  The   superintendent shall require every insurance company issuing a policy of   fire insurance against a risk located in this state to annually issue to   each of its fire insurance policyholders   engaged in commerce  in  this   state  a  suitable  supply  of  forms  supplied  by  the  office of fire   prevention and control for reporting the presence of hazardous materials   as required by section two hundred nine-u of the general municipal law.
NY Ins L § 3410 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3410 - Fire Insurance Contract; Payment of Liens on Proceeds; Certain Cases.

§ 3410. Fire insurance contract; payment of liens on proceeds; certain cases. (a) Every fire insurance policy insuring the interest of an owner pursuant  to  this  article shall include a statement that, prior to the payment of any proceeds thereunder otherwise payable to the insured  for damages  resulting  to  the premises from a loss occasioned by fire, the insurer will deduct and pay the claim of any tax district which  renders a  certificate  of  lien  pursuant  to  the  provisions of section three hundred thirty-one of this chapter.  (b) Such statement shall further relate that upon the payment of  such claim the insurer shall, to the extent of such payment, be released from any  obligation  to  pay the same to the insured and that the payment of any such claim within thirty days of  receipt  by  the  insurer  of  the certificate  of  lien  shall,  as  between  the insured and the insurer, operate as a conclusive  presumption  that  such  claim  was  valid  and properly paid.
NY Ins L § 3413 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3413 - Standard Claim Forms for Fire Losses.

§  3413.  Standard  claim  forms for fire losses. (a) (1) On or before April first,  nineteen  hundred  eighty-two,  the  superintendent  shall establish  a  standard  claim  form  to be used for all fire loss claims under an insurance policy which is issued or issued for delivery in this state covering such losses for property located in this state.  (2) The superintendent shall investigate and review claim forms  which are currently utilized prior to establishing such standard claim form.  (3)  All  insurers  shall  require  the  completion  and filing of the standard claim form.  (b) The adoption of such standard claim  form  by  the  superintendent shall  not  preclude  an insurer from obtaining any necessary additional information regarding a claim from the claimant or any other source.  (c) (1) The superintendent is authorized and empowered  to  take  such action as he shall deem appropriate for the proper implementation hereof and  to  provide  by regulation that any form which does not comply with this section shall not be issued or reissued.  (2) The regulation so promulgated shall  specify  an  effective  date, which  shall  not be less than one hundred eighty days after the date of promulgation, after  which  no  insurer  may  require  any  claimant  to complete a form differing from the one prescribed by the superintendent, other  than  additional  requests for information pursuant to subsection (b) of this section.
NY Ins L § 3414 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3414 - Reports by Insurers of Certain Casualty Loss on Property Owned or Operated by Religious Organizations.

§ 3414. Reports by insurers of certain casualty loss on property owned or  operated  by  religious organizations. (a) Insurers shall report all claims in excess of two hundred fifty dollars filed for casualty  losses resulting  from  desecration,  vandalism and theft of religious articles sustained by a "Religious Corporations Law  corporation",  "incorporated church" or "unincorporated church", as such terms are defined in section two  of  the  religious  corporations  law,  to the division of criminal justice services for a period  of  twelve  months  commencing  with  the effective  date  of the rules and regulations required to be promulgated pursuant to subsection (b) of this section.  (b) Such division shall promulgate rules and regulations within ninety days of the effective date of this section  detailing  the  contents  of such reports which shall require at least the following information:  (1) name and address of the claimant;  (2) nature, substance and approximate dollar value of the claim;  (3) date and specific place in which the claim arose.
NY Ins L § 3421 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3421 - Homeowners' Liability Insurance; Dogs.

* §  3421.  Homeowners'  liability insurance; dogs. 1. With respect to   homeowners' insurance policies as defined in section two thousand  three   hundred  fifty-one  of this chapter, no insurer shall refuse to issue or   renew, cancel, or charge or impose an increased premium or rate for such   policy or contract based solely upon harboring or owning any  dog  of  a   specific breed or mixture of breeds.2.  The  provisions of this section shall not prohibit an insurer from   refusing to issue or renew  or  from  canceling  any  such  contract  or   policy,  nor  from  imposing  a reasonably increased premium or rate for   such a policy or contract based upon the designation of  a  dog  of  any   breed  or  mixture  of breeds as a dangerous dog pursuant to section one   hundred twenty-three of the agriculture and markets law, based on  sound   underwriting  and  actuarial  principles reasonably related to actual or   anticipated loss experience subject  to  the  applicable  provisions  of   section three thousand four hundred twenty-five of this article.* NB Effective January 28, 2022
NY Ins L § 3429 (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3429 - Geographical Location of Risks; Fire, Fire and Extended Coverage Policies; Private Passenger Automobile Insurance Policies.

§  3429.  Geographical  location  of  risks;  fire,  fire and extended coverage policies; private passenger automobile insurance policies.  (a) No insurer shall refuse to issue or renew or shall cancel a policy of:  (1) fire insurance or fire and extended coverage insurance, or  (2)  automobile  insurance  subject  to  section  three  thousand four hundred twenty-five of this article based solely on the geographical location of the risk within this state. Such prohibition shall not preclude an insurer from refusing to issue or renew or from cancelling such policies based on sound  underwriting  and actuarial  principles  reasonably  related to actual or anticipated loss experience  subject  to  the  applicable  provisions  of  section  three thousand four hundred twenty-five of this article.  (b)  The  superintendent shall by regulation establish procedures with respect to notification to insureds of the insurer's specific reason  or reasons  for  refusal  to  issue  or  renew  or for cancellation of such policy.
NY Ins L § 3429-A (2021)
2021 New York Laws ISC - Insurance Article 34 - Insurance Contracts-Property/casualty 3429-A - Geographical Location of Risks in Area Serviced by a Volunteer Fire Department; Fire, Fire and Extended Coverage Policies.

§  3429-a.  Geographical  location  of  risks  in  area  serviced by a volunteer fire department; fire, fire and  extended  coverage  policies. (a)  No  insurer  shall  refuse  to  issue  or  renew  or shall cancel a homeowner's insurance  policy  including  fire  insurance  or  fire  and extended  coverage  insurance based solely on the insured residing in an area that is serviced by a volunteer fire department.  Such  prohibition shall  not  preclude  an insurer from refusing to issue or renew or from canceling such  policies  based  on  sound  underwriting  and  actuarial principles  reasonably  related to actual or anticipated loss experience subject to the applicable provisions  of  section  three  thousand  four hundred twenty-five of this article.  (b)  The  superintendent shall by regulation establish procedures with respect to notification to insureds of the insurer's specific reason  or reasons  for  refusal  to  issue  or  renew  or for cancellation of such policy.