Insurers Lenient As Nor’easter Approaches

Insurers have been instructed to accept homeowners’ documentation, including photos and video, of losses so residents can discard debris before a second storm hits the region.

Typically, insurance companies demand an on-site inspection first before a claim can be processed. In addition, the state has imposed a 30-day moratorium on cancelling or terminating homeowners’ and small business owners’ insurance policies in storm stricken areas for any reason, including non-payment of premiums.

Both the directive dealing with dangerous debris and the moratorium on terminating policies cover the storm damaged areas: New York City and Nassau, Suffolk, Westchester, Rockland and orange counties. The moratorium will last for 30 days, but may be extended if necessary.