NY State Assembly Bill 2013-A9047B

Assembly Bill A9047B

2013-2014 Legislative Session

Provides for the reduction of property/casualty insurance premiums on residential real property when the insured occupant completed a homeowner natural disaster preparedness, home safety & loss prevention course

download bill text pdf

Archive: Last Bill Status - In Assembly Committee

Introduced
- In Committee Assembly
- In Committee Senate
- On Floor Calendar Assembly
- On Floor Calendar Senate
- Passed Assembly
- Passed Senate
Delivered to Governor
Signed By Governor

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Actions

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	Assembly Actions - Lowercase Senate Actions - UPPERCASE
Jun 05, 2014	print number 9047b
Jun 05, 2014	amend (t) and recommit to insurance
Mar 25, 2014	print number 9047a
Mar 25, 2014	amend (t) and recommit to insurance
Mar 11, 2014	referred to insurance

Bill Amendments

Original

B (Active)

2013-A9047 - Details

See Senate Version of this Bill:: S6782
Current Committee:: Assembly Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §2346, Ins L
Versions Introduced in 2015-2016 Legislative Session:: A6846, A9085, S1529, S6493

2013-A9047 - Summary

Establishes the "homeowner natural disaster preparedness, home safety and loss prevention program" to provide for the reduction of property/casualty insurance premiums on residential real property when the insured occupant completes a homeowner natural disaster preparedness, home safety and loss prevention course.

2013-A9047 - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                  9047

                          I N  A S S E M B L Y

                             March 11, 2014
                               ___________

Introduced by M. of A. CRESPO -- read once and referred to the Committee
  on Insurance

AN  ACT to amend the insurance law, in relation to reduction in rates of
  property/casualty insurance rates on residential property for insureds
  who complete an approved natural disaster preparedness course

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  Legislative  intent.  The  legislature  declares that the
purposes of this act are  to  provide  homeowners,  condominium  owners,
cooperative  apartment  owners,  and renters with an incentive to take a
course of instruction on how to make their residence more resilient to a
natural disaster, reduce the potential loss of life or  property  damage
that  could result from a natural disaster, and raise their awareness of
natural disaster preparedness by  offering  property/casualty  insurance
premium reductions.
  S  2.  The  section  heading  of section 2346 of the insurance law, as
amended by chapter 637 of the  laws  of  1993,  is  amended  and  a  new
subsection 5 is added to read as follows:
  Reduction  in  rates  of  fire insurance [or], homeowners insurance OR
PROPERTY/CASUALTY premiums for residential property.
  5. (A) DEFINITIONS. FOR THE PURPOSES OF THIS SUBSECTION, THE FOLLOWING
TERMS SHALL HAVE THE FOLLOWING MEANINGS:
  (1) "COMPLETION CERTIFICATE" MEANS A DOCUMENT WHICH CANNOT BE  ALTERED
AND  WHICH  IS PROVIDED TO A PERSON WHO SUCCESSFULLY COMPLETES A NATURAL
DISASTER PREPAREDNESS COURSE.
  (2) "NATURAL DISASTER" MEANS THE  OCCURRENCE  OR  IMMINENT  THREAT  OF
WIDESPREAD OR SEVERE DAMAGE, INJURY, OR LOSS OF LIFE OR PROPERTY RESULT-
ING  FROM  ANY NATURAL CAUSE INCLUDING, BUT NOT LIMITED TO, FIRE, FLOOD,
EARTHQUAKE, HURRICANE, TORNADO, HIGH WATER, LANDSLIDE,  MUDSLIDE,  WIND,
STORM,  WAVE  ACTION,  ICE  STORM,  EPIDEMIC, AIR CONTAMINATION, BLIGHT,
DROUGHT, INFESTATION, EXPLOSION, WATER CONTAMINATION, BRIDGE FAILURE, OR
BRIDGE COLLAPSE.
  (3) "NATURAL DISASTER PREPAREDNESS COURSE" MEANS  A  NATURAL  DISASTER
PREPAREDNESS COURSE APPROVED BY THE SUPERINTENDENT, IN CONSULTATION WITH

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

                                                           LBD13992-03-4

A. 9047                             2

THE  COMMISSIONER  OF  THE  DIVISION  OF HOMELAND SECURITY AND EMERGENCY
SERVICES, PURSUANT TO PARAGRAPH (D) OF THIS  SUBSECTION.    SUCH  COURSE
SHALL PROVIDE USEFUL INFORMATION TO PARTICIPANTS ON ITEMS INCLUDING, BUT
NOT  LIMITED TO:  COURSES OF ACTION THAT CAN BE TAKEN BEFORE, DURING AND
AFTER THE OCCURRENCE OF A NATURAL DISASTER, STRATEGIES  TO  REDUCE  RISK
EXPOSURE  TO INSURED RESIDENTIAL PROPERTY OWNERS AND RENTERS, AND INFOR-
MATION ABOUT THE INSTALLATION OF EQUIPMENT,  DEVICES  OR  OTHER  CAPITAL
IMPROVEMENTS  TO  REAL  PROPERTY WHICH CAN HELP TO ELIMINATE OR MITIGATE
DAMAGE TO REAL OR PERSONAL PROPERTY, PERSONAL INJURY OR THE LOSS OF LIFE
CAUSED BY A NATURAL DISASTER.
  (B) THE SUPERINTENDENT MAY  PROVIDE  FOR  AN  ACTUARIALLY  APPROPRIATE
REDUCTION  FOR A PERIOD OF THREE YEARS IN RATES OF HOMEOWNER'S INSURANCE
AND PROPERTY/CASUALTY INSURANCE PREMIUMS APPLICABLE TO RESIDENTIAL  REAL
PROPERTY  FOR  EACH TRIENNIAL COMPLETION OF A NATURAL DISASTER PREPARED-
NESS COURSE BY THE INSURED OCCUPANT OF SUCH  RESIDENTIAL REAL  PROPERTY.
IN  ADDITION, THE SUPERINTENDENT MAY ALSO PROVIDE FOR ACTUARIALLY APPRO-
PRIATE REDUCTIONS IN SUCH  RATES  FOR  THE  INSTALLATION  OF  EQUIPMENT,
DEVICES OR OTHER CAPITAL IMPROVEMENTS TO REAL PROPERTY WHICH CAN HELP TO
ELIMINATE OR MITIGATE NATURAL DISASTER DAMAGE.
  (C)  AN  INSURER,  UPON  APPROVAL  OF  THE  SUPERINTENDENT,  MAY  UPON
SUBMISSION OF A COMPLETION CERTIFICATE BY AN INSURED, PROVIDE AN ACTUAR-
IALLY APPROPRIATE REDUCTION, FOR A PERIOD OF THREE YEARS, OF THE PREMIUM
FOR SUCH INSURED'S HOMEOWNER'S INSURANCE OR PROPERTY/CASUALTY  INSURANCE
ON  THE  RESIDENTIAL REAL PROPERTY WHICH IS THE INSURED'S PLACE OF RESI-
DENCE.
  (D) THE SUPERINTENDENT, IN CONSULTATION WITH THE COMMISSIONER  OF  THE
DIVISION  OF  HOMELAND SECURITY AND EMERGENCY SERVICES, SHALL ESTABLISH,
BY RULE, STANDARDS AND A CURRICULUM FOR  NATURAL  DISASTER  PREPAREDNESS
COURSES.   EVERY SUCH COURSE SHALL BE APPROVED BY THE SUPERINTENDENT AND
SUCH COMMISSIONER.
  S 3. This act shall take effect on the first of January next  succeed-
ing  the  date  on  which it shall have become a law; provided, however,
that effective immediately, any actions necessary to be  taken  for  the
implementation  of  the provisions of this act on its effective date are
authorized and directed to be completed  on  or  before  such  effective
date.

2013-A9047A - Details

See Senate Version of this Bill:: S6782
Current Committee:: Assembly Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §2346, Ins L
Versions Introduced in 2015-2016 Legislative Session:: A6846, A9085, S1529, S6493

2013-A9047A - Summary

2013-A9047A - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 9047--A

                          I N  A S S E M B L Y

                             March 11, 2014
                               ___________

Introduced by M. of A. CRESPO -- read once and referred to the Committee
  on  Insurance -- committee discharged, bill amended, ordered reprinted
  as amended and recommitted to said committee

AN ACT to amend the insurance law, in relation to reduction in rates  of
  property/casualty insurance rates on residential property for insureds
  who  complete  an  approved  homeowner  natural  disaster preparedness
  course

  THE PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND  ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section  1.  Short  title. This act shall be known and may be cited as
the "homeowner natural disaster preparedness program".
  S 2. Legislative intent. The legislature declares that the purposes of
this act are to  provide  homeowners,  condominium  owners,  cooperative
apartment  owners,  and  renters  with  an incentive to take a course of
instruction on how to make their residence more resilient to  a  natural
disaster,  reduce  the  potential  loss  of life or property damage that
could result from a natural  disaster,  and  raise  their  awareness  of
natural  disaster  preparedness  by offering property/casualty insurance
premium reductions.
  S 3. The section heading of section 2346  of  the  insurance  law,  as
amended  by  chapter  637  of  the  laws  of  1993, is amended and a new
subsection 5 is added to read as follows:
  Reduction in rates of fire insurance  [or],  homeowners  insurance  OR
PROPERTY/CASUALTY premiums for residential property.
  5. (A) DEFINITIONS. FOR THE PURPOSES OF THIS SUBSECTION, THE FOLLOWING
TERMS SHALL HAVE THE FOLLOWING MEANINGS:
  (1)  "COMPLETION CERTIFICATE" MEANS A DOCUMENT WHICH CANNOT BE ALTERED
AND WHICH IS PROVIDED TO A PERSON WHO SUCCESSFULLY COMPLETES A HOMEOWNER
NATURAL DISASTER PREPAREDNESS COURSE.
  (2) "NATURAL DISASTER" MEANS THE  OCCURRENCE  OR  IMMINENT  THREAT  OF
WIDESPREAD OR SEVERE DAMAGE, INJURY, OR LOSS OF LIFE OR PROPERTY RESULT-
ING  FROM  ANY NATURAL CAUSE INCLUDING, BUT NOT LIMITED TO, FIRE, FLOOD,
EARTHQUAKE, HURRICANE, TORNADO, HIGH WATER, LANDSLIDE,  MUDSLIDE,  WIND,
STORM,  WAVE  ACTION,  ICE  STORM,  EPIDEMIC, AIR CONTAMINATION, BLIGHT,

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

                                                           LBD13992-05-4

A. 9047--A                          2

DROUGHT, INFESTATION, EXPLOSION, WATER CONTAMINATION, BRIDGE FAILURE, OR
BRIDGE COLLAPSE.
  (3)  "HOMEOWNER  NATURAL DISASTER PREPAREDNESS COURSE" MEANS A NATURAL
DISASTER PREPAREDNESS COURSE APPROVED BY THE SUPERINTENDENT, IN  CONSUL-
TATION  WITH  THE  COMMISSIONER OF THE DIVISION OF HOMELAND SECURITY AND
EMERGENCY SERVICES, PURSUANT TO PARAGRAPH (D) OF THIS SUBSECTION.   SUCH
COURSE SHALL PROVIDE USEFUL INFORMATION TO PARTICIPANTS ON ITEMS INCLUD-
ING,  BUT  NOT LIMITED TO:   COURSES OF ACTION THAT CAN BE TAKEN BEFORE,
DURING AND AFTER THE OCCURRENCE OF A  NATURAL  DISASTER,  STRATEGIES  TO
REDUCE RISK EXPOSURE TO INSURED RESIDENTIAL PROPERTY OWNERS AND RENTERS,
AND  INFORMATION  ABOUT  THE INSTALLATION OF EQUIPMENT, DEVICES OR OTHER
CAPITAL IMPROVEMENTS TO REAL PROPERTY WHICH CAN  HELP  TO  ELIMINATE  OR
MITIGATE  DAMAGE  TO  REAL  OR PERSONAL PROPERTY, PERSONAL INJURY OR THE
LOSS OF LIFE CAUSED BY A NATURAL DISASTER.
  (B) THE SUPERINTENDENT MAY  PROVIDE  FOR  AN  ACTUARIALLY  APPROPRIATE
REDUCTION  FOR A PERIOD OF THREE YEARS IN RATES OF HOMEOWNER'S INSURANCE
AND PROPERTY/CASUALTY INSURANCE PREMIUMS APPLICABLE TO RESIDENTIAL  REAL
PROPERTY  FOR  EACH TRIENNIAL COMPLETION OF A HOMEOWNER NATURAL DISASTER
PREPAREDNESS COURSE BY THE INSURED OCCUPANT OF SUCH    RESIDENTIAL  REAL
PROPERTY.  IN ADDITION, THE SUPERINTENDENT MAY ALSO PROVIDE FOR ACTUARI-
ALLY APPROPRIATE REDUCTIONS IN SUCH RATES FOR THE INSTALLATION OF EQUIP-
MENT, DEVICES OR OTHER CAPITAL IMPROVEMENTS TO REAL PROPERTY  WHICH  CAN
HELP TO ELIMINATE OR MITIGATE NATURAL DISASTER DAMAGE.
  (C)  AN  INSURER,  UPON  APPROVAL  OF  THE  SUPERINTENDENT,  MAY  UPON
SUBMISSION OF A COMPLETION CERTIFICATE BY AN INSURED, PROVIDE AN ACTUAR-
IALLY APPROPRIATE REDUCTION, FOR A PERIOD OF THREE YEARS, OF THE PREMIUM
FOR SUCH INSURED'S HOMEOWNER'S INSURANCE OR PROPERTY/CASUALTY  INSURANCE
ON  THE  RESIDENTIAL REAL PROPERTY WHICH IS THE INSURED'S PLACE OF RESI-
DENCE.
  (D) THE SUPERINTENDENT, IN CONSULTATION WITH THE COMMISSIONER  OF  THE
DIVISION  OF  HOMELAND SECURITY AND EMERGENCY SERVICES, SHALL ESTABLISH,
BY RULE, STANDARDS AND  A  CURRICULUM  FOR  HOMEOWNER  NATURAL  DISASTER
PREPAREDNESS COURSES.  EVERY SUCH COURSE SHALL BE APPROVED BY THE SUPER-
INTENDENT AND SUCH COMMISSIONER.
  S  4. This act shall take effect on the first of January next succeed-
ing the date on which it shall have become  a  law;  provided,  however,
that  effective  immediately,  any actions necessary to be taken for the
implementation of the provisions of this act on its effective  date  are
authorized  and  directed  to  be  completed on or before such effective
date.

2013-A9047B (ACTIVE) - Details

See Senate Version of this Bill:: S6782
Current Committee:: Assembly Insurance
Law Section:: Insurance Law
Laws Affected:: Amd §2346, Ins L
Versions Introduced in 2015-2016 Legislative Session:: A6846, A9085, S1529, S6493

2013-A9047B (ACTIVE) - Summary

2013-A9047B (ACTIVE) - Bill Text download pdf

                            
                    S T A T E   O F   N E W   Y O R K
________________________________________________________________________

                                 9047--B

                          I N  A S S E M B L Y

                             March 11, 2014
                               ___________

Introduced by M. of A. CRESPO -- read once and referred to the Committee
  on  Insurance -- committee discharged, bill amended, ordered reprinted
  as amended and recommitted to said committee --  again  reported  from
  said  committee  with  amendments,  ordered  reprinted  as amended and
  recommitted to said committee

AN ACT to amend the insurance law, in relation to reduction in rates  of
  property/casualty  insurance  on residential property for insureds who
  complete an approved homeowner natural disaster, home safety and  loss
  prevention preparedness course

  THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
BLY, DO ENACT AS FOLLOWS:

  Section 1. Short title. This act shall be known and may  be  cited  as
the  "homeowner  natural  disaster,  home  safety  and  loss  prevention
preparedness program".
  S 2. Legislative intent. The legislature declares that the purposes of
this act are to  provide  homeowners,  condominium  owners,  cooperative
apartment  owners,  and  renters  with  an incentive to take a course of
instruction on how to make their residence more resilient to  a  natural
disaster,  reduce  the  potential  loss  of life or property damage that
could result from a natural disaster, reduce the risk  of  fire,  theft,
burglary,  personal injury or property damage, and raise their awareness
of natural disaster preparedness by offering property/casualty insurance
premium reductions.
  S 3. The section heading of section 2346  of  the  insurance  law,  as
amended  by  chapter  637  of  the  laws  of  1993, is amended and a new
subsection 5 is added to read as follows:
  Reduction in rates of fire insurance  [or],  homeowners  insurance  OR
PROPERTY/CASUALTY premiums for residential property.
  5. (A) DEFINITIONS. FOR THE PURPOSES OF THIS SUBSECTION, THE FOLLOWING
TERMS SHALL HAVE THE FOLLOWING MEANINGS:
  (1)  "COMPLETION CERTIFICATE" MEANS A DOCUMENT WHICH CANNOT BE ALTERED
AND WHICH IS PROVIDED TO A PERSON WHO SUCCESSFULLY COMPLETES A HOMEOWNER
NATURAL DISASTER PREPAREDNESS, HOME SAFETY AND LOSS PREVENTION COURSE.

 EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                      [ ] is old law to be omitted.
                                                           LBD13992-07-4

A. 9047--B                          2

  (2) "NATURAL DISASTER" MEANS THE  OCCURRENCE  OR  IMMINENT  THREAT  OF
WIDESPREAD OR SEVERE DAMAGE, INJURY, OR LOSS OF LIFE OR PROPERTY RESULT-
ING  FROM  ANY NATURAL CAUSE INCLUDING, BUT NOT LIMITED TO, FIRE, FLOOD,
EARTHQUAKE, HURRICANE, TORNADO, HIGH WATER, LANDSLIDE,  MUDSLIDE,  WIND,
STORM,  WAVE  ACTION,  ICE  STORM,  EPIDEMIC, AIR CONTAMINATION, BLIGHT,
DROUGHT, INFESTATION, EXPLOSION, WATER CONTAMINATION, BRIDGE FAILURE, OR
BRIDGE COLLAPSE.
  (3) "HOMEOWNER NATURAL  DISASTER,  HOME  SAFETY  AND  LOSS  PREVENTION
PREPAREDNESS  COURSE" MEANS A NATURAL DISASTER PREPAREDNESS, HOME SAFETY
AND LOSS PREVENTION COURSE APPROVED BY THE SUPERINTENDENT, IN  CONSULTA-
TION  WITH  THE  COMMISSIONER  OF  THE DIVISION OF HOMELAND SECURITY AND
EMERGENCY SERVICES, PURSUANT TO PARAGRAPH (D) OF THIS SUBSECTION.   SUCH
COURSE SHALL PROVIDE USEFUL INFORMATION TO PARTICIPANTS ON ITEMS INCLUD-
ING,  BUT  NOT LIMITED TO:   COURSES OF ACTION THAT CAN BE TAKEN BEFORE,
DURING AND AFTER THE OCCURRENCE OF A  NATURAL  DISASTER,  STRATEGIES  TO
REDUCE RISK EXPOSURE TO INSURED RESIDENTIAL PROPERTY OWNERS AND RENTERS,
AND  INFORMATION  ABOUT  THE INSTALLATION OF EQUIPMENT, DEVICES OR OTHER
CAPITAL IMPROVEMENTS TO REAL PROPERTY WHICH CAN  HELP  TO  ELIMINATE  OR
MITIGATE  DAMAGE  TO  REAL  OR PERSONAL PROPERTY, PERSONAL INJURY OR THE
LOSS OF LIFE CAUSED BY A NATURAL DISASTER OR OTHER  INSURABLE  EVENT  OR
OCCURRENCE  OF  A  FIRE,  THEFT,  BURGLARY,  PERSONAL INJURY OR PROPERTY
DAMAGE.
  (B) THE SUPERINTENDENT MAY  PROVIDE  FOR  AN  ACTUARIALLY  APPROPRIATE
REDUCTION  FOR A PERIOD OF THREE YEARS IN RATES OF HOMEOWNER'S INSURANCE
AND PROPERTY/CASUALTY INSURANCE PREMIUMS APPLICABLE TO RESIDENTIAL  REAL
PROPERTY  FOR  EACH TRIENNIAL COMPLETION OF A HOMEOWNER NATURAL DISASTER
PREPAREDNESS, HOME SAFETY AND LOSS  PREVENTION  COURSE  BY  THE  INSURED
OCCUPANT  OF  SUCH    RESIDENTIAL REAL PROPERTY. IN ADDITION, THE SUPER-
INTENDENT MAY ALSO PROVIDE FOR  ACTUARIALLY  APPROPRIATE  REDUCTIONS  IN
SUCH  RATES  FOR THE INSTALLATION OF EQUIPMENT, DEVICES OR OTHER CAPITAL
IMPROVEMENTS TO REAL PROPERTY WHICH CAN HELP TO  ELIMINATE  OR  MITIGATE
NATURAL DISASTER DAMAGE, IMPROVE HOME SAFETY OR PREVENT OTHER LOSSES.
  (C)  AN  INSURER,  UPON  APPROVAL  OF  THE  SUPERINTENDENT,  MAY  UPON
SUBMISSION OF A COMPLETION CERTIFICATE BY AN INSURED, PROVIDE AN ACTUAR-
IALLY APPROPRIATE REDUCTION, FOR A PERIOD OF THREE YEARS, OF THE PREMIUM
FOR SUCH INSURED'S HOMEOWNER'S INSURANCE OR PROPERTY/CASUALTY  INSURANCE
ON  THE  RESIDENTIAL REAL PROPERTY WHICH IS THE INSURED'S PLACE OF RESI-
DENCE.
  (D) THE SUPERINTENDENT, IN CONSULTATION WITH THE COMMISSIONER  OF  THE
DIVISION  OF  HOMELAND SECURITY AND EMERGENCY SERVICES, SHALL ESTABLISH,
BY RULE, STANDARDS AND  A  CURRICULUM  FOR  HOMEOWNER  NATURAL  DISASTER
PREPAREDNESS,  HOME  SAFETY  AND  LOSS  PREVENTION COURSES.   EVERY SUCH
COURSE SHALL BE APPROVED BY THE SUPERINTENDENT AND SUCH COMMISSIONER.
  S 4. This act shall take effect on the first of January next  succeed-
ing  the  date  on  which it shall have become a law; provided, however,
that effective immediately, any actions necessary to be  taken  for  the
implementation  of  the provisions of this act on its effective date are
authorized and directed to be completed  on  or  before  such  effective
date.

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