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August 31, 2014
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Governor Cuomo: Immediate Steps New Yorkers Should Take Regarding Hurricane Property Losses and Insurance Claims


If the first offer made by the insurance company does not meet your expectations, be prepared to negotiate. If there is a disagreement about the claim, ask the company for the specific language in the policy in question and determine why you and the company interpret your policy differently. If you believe you are being treated unfairly, contact the Insurance Department at www.ins.state.ny.us. You can file a complaint about an insurance company at http://www.ins.state.ny.us/complhow.htm.

Consumers should contact their insurance company, agent or broker to get answers to specific questions about their policies. Consumers who need further help should feel free to contact the New York State Insurance Department’s Consumer Services Bureau at 800-342-3736 which operates from 9 a.m. to 4:30 p.m., Monday through Friday. Disaster related calls only should go to the Department’s disaster hotline at 800-339-1759, which will be open starting Monday from 8 a.m. to 8 p.m. for as long as needed

Governor Cuomo and Superintendent Lawsky have also mobilized the State Insurance Department to help New Yorkers with their claims. The Department has:

Opened the Department’s disaster hotline at 800-339-1759, which will be open starting Monday from 8 a.m. to 8 p.m. for as long as needed.

Put all companies that sell homeowners’ and auto insurance on alert to be prepared to handle claims.

Sent staff to join other state and local agencies at the state and at local emergency operations centers.

Initiated the Insurance Emergency Operations Center.
Is sending the Department’s mobile unit to hard hit locations to provide on the spot assistance for consumers.

In addition, health insurance companies have been instructed to accommodate consumers who had to evacuate their homes and as a result have to seek care from out-of-network doctors or other health providers.

The Insurance Department’s online “Homeowner’s Resource Center” offers detailed information and a number of useful tools consumers may find helpful. It can be found at the following location on the Insurance Department’s website, http://www.ins.state.ny.us/hmonindx.htm.