Homeowners Insurance Non-Renewal in New York: Your Evidence Rights, Step by Step
⚠️ READ THIS FIRST: the aerial-imagery bills are PROPOSED — they are NOT New York law yet
S9156 (Senate, introduced February 2026) and A9272 (Assembly, introduced November 2025) would impose broad duties on insurers that use aerial imagery. As of the verification date below, both bills are in committee — introduced, not enacted. Nothing on this page describes them as current law. What you can do today is in the "What you can do now" section.
Last verified against source: October 19, 2026 · Sources: NY Senate bill S9156 (Feb 2026); NY Assembly bill A9272 (Nov 2025) — dfs.ny.gov
What the bills would do — if they become law
As introduced, S9156/A9272 would create broad aerial-image duties for insurers, notable for one expansion beyond the other states' bills: they treat premium increases over 10% as "adverse decisions" covered by the same protections — meaning the fight isn't only about non-renewals. A homeowner whose premium jumps on the basis of imagery would get the same evidence and correction rights as one who is dropped outright.
If enacted, expect the familiar architecture of the national model: notice that imagery was used, the images on request, a documentation-submission process, and time to correct. But as of today, that architecture is a proposal in two committees.
What you can do now (the practice-based path — labeled honestly)
New York has no enacted imagery-cure statute today. The working path:
Request the basis, in writing. Ask for the specific condition cited and the images relied on. Carriers operating in states with live bulletin regimes increasingly run correction processes nationally — ask, and keep the answer.
Submit dated ground evidence. The ladder is the same everywhere: a licensed professional's dated report first, then invoices, permits, and contracts, then your own photos as support. Documentation quality is what a correction review runs on, today, in every state.
Use the DFS complaint route. The New York Department of Financial Services (dfs.ny.gov) takes consumer complaints on insurer practices — and complaint volume is part of the public record a pending bill draws on.
If your premium jumped, treat it like a decision — because the pending bills do. Ask the same questions (what changed, what evidence, what corrects it) even though the law doesn't yet compel the answers.
Your clock
No statutory cure period exists in New York today. Your notice's effective date (or your renewal date, for a premium action) is the wall. The practice-based correction window is whatever your carrier confirms in writing — request it the day the letter arrives.
What GroundProof does in New York
The Dispute Sprint ($99 flat), labeled honestly at intake as "no statutory cure right — practice-based": your dated records and a professional report where the case needs one, assembled into one packet against your deadline, for you to submit in your own name. We organize documentation; we do not negotiate with your insurer, file on your behalf, or promise an outcome.