New York S 6205: Relates to anti-concurrent causation clauses

Bill Text

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S06205 Summary:

BILL NOS06205 

&nbsp

SAME ASSAME AS A10872

&nbsp

SPONSORSKOUFIS

&nbsp

COSPNSR

&nbsp

MLTSPNSR

&nbsp

Add §3463, Ins L

&nbsp

Provides that when a flood event not covered under a policy or specifically excluded is a contributing factor in or occurs simultaneously as a covered event or peril, the insurer shall not deny or exclude coverage for the loss or damage caused by the covered event or peril.

Go to top S06205 Actions:

BILL NOS06205 

&nbsp

03/06/2025REFERRED TO INSURANCE

01/07/2026REFERRED TO INSURANCE

Go to topS06205 Committee&nbspVotes:

Go to topS06205 Floor&nbspVotes:

There are no Assembly votes for this bill in this legislative session.

Go to topS06205 Text:

 STATE OF NEW YORK
 ________________________________________________________________________

 6205

 2025-2026 Regular Sessions

 IN SENATE

 March 6, 2025
 ___________

 Introduced by Sen. SKOUFIS -- read twice and ordered printed, and when
 printed to be committed to the Committee on Insurance

 AN ACT to amend the insurance law, in relation to anti-concurrent causa-
 tion clauses

 The People of the State of New York, represented in Senate and Assem-
 bly, do enact as follows:

 1 Section 1. The insurance law is amended by adding a new section 3463
 2 to read as follows:
 3 § 3463. Anti-concurrent causation clauses. (a) When a flood event not
 4 covered under a policy or specifically excluded under a policy is a
 5 contributing factor in or occurs simultaneously as a covered event or
 6 peril, the insurer shall not deny or exclude coverage for the loss or
 7 damage caused by the covered event or peril. However, nothing shall
 8 obligate the insurer to pay for any loss or damage caused by the flood
 9 event that is not covered or is excluded.
 10 (b) If an insurer issues a policy that includes a provision that
 11 allows the insurer to determine whether loss or damage caused by a
 12 covered peril may or may not be covered partially or wholly based upon
 13 whether a peril that is excluded or not covered under the policy was the
 14 proximate or remote cause of the covered loss or damage, the insurer
 15 must clearly state in the policy: (1) which peril excluded or not
 16 covered under the policy must cause, proximately or remotely, the
 17 covered peril or perils; and (2) in each specific instance, whether the
 18 causation must be proximate or remote to result in a limitation in
 19 coverage. The insurer must disclose this provision to the policyholder
 20 prior to the sale or purchase of the policy.
 21 § 2. This act shall take effect immediately and shall apply to all
 22 policies issued or renewed after such effective date.

 EXPLANATION--Matter in italics (underscored) is new; matter in brackets
 [ ] is old law to be omitted.
 LBD09362-01-5

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