Where is New York Property Insurance Underwriting Association's office located?
New York Property Insurance Underwriting Association is located in Lower Manhattan, at 100 William Street, New York, NY 10038. If you wish to visit the office, the entrance to the building is on John Street. We are located on the 11th floor.
Please refer to Contact Us for NYPIUA office locations, business hours, and contact information.
What are New York Property Insurance Underwriting Association's business hours?
Applying for Insurance
How can I obtain insurance through New York Property Insurance Underwriting Association?
You can apply for insurance through New York Property Insurance Underwriting Association by web, mail, email, fax or in person at our office. Please refer to Applying for Insurance for more information on the application process, to download your application, and to get details on how to submit your application.
You can also get more information on Automated Submissions such as:
- My property has two separate buildings with the same address. Will I need two separate applications?
- How much deposit is required when applying?
- What is the processing time frame for application?
- What do I need to submit with my application for a policy if my home is currently vacant and/or undergoing renovation?
What types of property does New York Property Insurance Underwriting Association insure?
New York Property Insurance Underwriting Association insures:
- Buildings (Dwelling and Commercial properties)
- Contents of commercial premises
- Household Furnishings/Personal Property
Please refer to NYPIUA Product Information for more details and other questions, such as:
- What type of insurance products does NYPIUA offer?
- What type of coverage is available when living in a mobile home?
- Can my dwelling coverage be automatically increased annually to guard against inflation?
- Can I obtain credit for an active fire alarm or sprinkler system in my house?
Note: New York Property Insurance Underwriting Association does not offer liability, flood, or theft coverages.
Who determines the rates used by New York Property Insurance Underwriting Association?
New York Property Insurance Underwriting Association uses the loss costs established by the Insurance Services Office (ISO) as a basis for determining our rates and premiums.
How can I make changes to my policy?
Please refer to Policy Management to get more information about how to make changes to your policy online or to download documents to submit documents through email, mail, or fax.
Examples of policy changes include:
- your name or mailing address
- mortgagee or other additional interest
- payment plan
- coverages, deductibles, limits, etc.
- submitting a NYPIUA required form
You must include your policy number, and specify the change(s) you require. You cannot make a request to change by telephone.
What is an Anti-Arson application?
An Anti-Arson application is a NY State mandated questionnaire which must be fully completed and returned to New York Property Insurance Underwriting Association for underwriter review. Please refer to Anti-Arson Application Info for more details on how to submit this form.
Why does an Anti-Arson application need to be filled out annually?
NY state regulations require Anti-Arson applications to be submitted annually. Failure to submit the Anti-Arson form will result in a cancellation of your policy. Cancellation for failure to submit this Form may not be appealed through the Association and a new application will need to be submitted to apply for coverage.
I recently sold my property. How can I cancel my NYPIUA policy?
Please refer to Policy Management for more information on how to cancel your NYPIUA policy.
What is the general time frame to be contacted by an inspector?
Outside inspection companies are used to inspect the properties for insurability. You will receive a call from an inspector to schedule a date and time to conduct the inspection. This process will normally take approximately 10 business days.
I missed my inspection appointment how can I reschedule?
How do I respond to a letter received from the underwriting department?
If you receive a contact letter or a re-inspection letter that requires a response to the Association, return the completed letter to New York Property with the designated contact person's name, an active daytime phone number, and a signature of the insured. The letter may be returned to NYPIUA via email to firstname.lastname@example.org, by fax 845-218-3099 , or by mail to New York Property Insurance Underwriting Association 155 Myers Corners Road, Wappingers Falls, NY 12590.
The Underwriting Department also issues recommendation letters in the event that certain conditions need to be addressed. Return the signed letter along with the requested documentation and photographs (label each photograph) requested to show compliance with your recommendations. If additional time is required to make the necessary repairs, you may submit a written request my mail or email to the Association's address noted on the letter or call the Underwriting Department at 212-208-9745.
Appeal Underwriting Decision
Why did NYPIUA decline my application or cancel my policy?
A Declination Letter or Notice of Cancellation is issued on buildings that do not meet the eligibility criteria as defined by New York State Insurance Law, Article 54.
My application was declined or my policy was cancelled by Underwriting. What is required for me to obtain coverage?
When a cancellation notice is issued, an appeal is required to be submitted in writing addressed to the appeals committee. You can submit your appeal by email email@example.com or by fax to 845-218-3099 , or by mail to New York Property Insurance Underwriting Association 155 Myers Corners Road, Wappingers Falls, NY 12590.
An appeal is a request to have coverage reconsidered. The appeal letter is attached to your cancellation notice or you can obtain a copy of it on Submit an Appeal Request. The appeal form must be completed and signed by the insured with the attached photographs and/or documents.
What is the general time frame for processing an appeal?
The appeal process begins when NYPIUA receives the appeal form. All documents (photos, bills, receipts, contracts, leases, etc.) attached to the appeal form are reviewed and a physical inspection may be required. The appeals departments will notify you by mail of their decision. This process takes approximately 20 business days; however, details in scheduling an inspection will extend the time for a decision.
What is required to reinstate the policy in the event of a non-pay cancellation?
Reinstatement with no lapse in coverage - Payment must be received by the Association on or before the cancellation date. The Association recognizes the mailing postmark date as its receipt date for those payments sent by mail or if the payment was made to the Producer on or prior to the cancellation date (need a no loss letter from the insured and proof of timely payment from the producer).
Reinstatement with lapse in coverage
- No unpaid balance is due.
- Payment is received within 90 days of non-payment cancellation date.
- After 90 days, a new application is required.
How many business days does it take to process a return premium check/overpayment check or a stop pay of check?
Return premium or overpayment checks are usually processed within 7-10 business days. Stop payments are processed between 5-7 business days.
What is the time frame and procedure for processing incoming payments?
Incoming payments are processed within 2-3 business days from the actual date of receipt (not postmark date).
My application was rejected, when can I obtain my deposit refund?
Once an application has been rejected, refunds are usually processed within 7-10 business days following decision to reject application.
How often are account invoices sent to the billing account owner?
For active policies, NYPIUA invoices based on the selected installment schedule and any outstanding balance.
How do I change my billing plan?
Policy changes can be made on Policy Management. Policy changes can also be made in writing by:
- Mailing your change request to the Association.
- Faxing your change request to 845-218-3099
You must include your policy number or billing account number, and specify the new bill plan you require. You cannot make a request to change by telephone.