§ 3405. Fire insurance contract; losses from nuclear reaction or
radiation. (a) Insurers issuing the standard fire insurance policy
pursuant to section three thousand four hundred four of this article are
authorized to affix or include in the policy a written statement that
such policy does not cover loss or damage caused by nuclear reaction or
nuclear radiation or radioactive contamination, all whether directly or
indirectly resulting from an insured peril under such policy.

(b) This section shall not prohibit the attachment to any such policy
of an endorsement specifically assuming coverage for loss or damage
caused by nuclear reaction or nuclear radiation or radioactive
contamination.