Bill > A09390

This bill prohibits public adjusters, who are individuals hired to help property owners negotiate insurance claims, from contacting or soliciting anyone affected by property damage from a "damaging event" – defined as any natural or human-made occurrence causing damage like floods, fires, or storms – within 48 hours of that event. During this 48-hour period, public adjusters are also restricted from coming within 200 feet of the damaged property unless specifically authorized in writing by the owner. If a property owner is contacted or solicited by a public adjuster within this 48-hour window, they are not obligated to pay any fees, and any fees already paid must be fully reimbursed upon request. Furthermore, before beginning any work on a claim, public adjusters must provide written notice to affected parties detailing these prohibitions, the right to reimbursement, and any potential communication limitations with the insurance company that arise from hiring the adjuster, with the owner needing to acknowledge receipt of this notice. However, this bill does not prevent property owners from initiating contact with a public adjuster during the 48-hour period.

Business and Industry, Housing and Urban Affairs

https://www.nysenate.gov/legislation/bills/2025/A9390