New York Laws
Article 34 - Insurance Contracts-Property/casualty
3403 - Anti-Arson Application.

(1) "Anti-arson application" means any application for insurance or
renewal of insurance, covering the peril of fire or explosion that
includes certain questions contained in subsection (c) of this section,
which shall be answered by the applicant in addition to the basic
information normally supplied to an insurer by an applicant.
(2) "Insurance policy" and "contract" shall not mean an existing
property insurance policy or contract, provided however that assignment
of the policy or contract because of the transfer of a major financial
interest in the insured real property shall require completion of an
anti-arson application if otherwise required under this section.
(3) "Property" means real property and the buildings and improvements
thereon.
(b) Except as provided in subsection (g) of this section the use of
the anti-arson application shall be mandatory for all property insurance
policies covering the peril of fire or explosion.
(c) The superintendent, in promulgating the anti-arson application
form, shall consider generally recognized two-tier application forms. If
the initial first-tier application elicits certain predesignated
answers, then the administration of a second-tier supplementary
application shall be mandatory. The superintendent shall consider
securing the disclosure of the following types of information including,
but not limited to:
(1) the name and address of the applicant and any mortgagees and any
other parties who have an ownership interest in the property and any
other parties who have a real interest in the property or in the
proceeds of the claim;
(2) the amount of insurance requested and the method of valuation used
to establish the amount of insurance;
(3) the dates and selling prices of the property in all real estate
transactions involving such property during the last three years;
(4) the applicant's loss history over at least the last five years
with regard to any property in which he held an equity interest or a
mortgage and where any such loss exceeded one thousand dollars in
damages;
(5) all taxes unpaid or overdue for one or more years, and any
mortgage payments overdue by three months or more;
(6) all current violations of fire, safety, health, building, or
construction codes on the property to be insured; and
(7) the present occupancy of the structure.
(d) No insurer, broker or authorized agent may enter into a contract
to insure any building, against the peril of fire or explosion unless
such insurer, broker or authorized agent, first receives an anti-arson
application signed and affirmed by the insured, if required by the
superintendent in accordance with the provisions of this section.
Nothing herein shall be construed to restrict the insurance of property
by binder pursuant to rules and regulations as promulgated by the
superintendent.
(e) A material misrepresentation in the anti-arson application shall
be grounds to rescind the insurance policy.
(f) Insureds shall notify their insurer in writing of any change in
the information contained in the anti-arson application, upon renewal or
annually, whichever is sooner. A material misrepresentation in such
notification shall be grounds to rescind the insurance policy.
(g) (1) The provisions of this section shall not apply to any
insurance policy or contract covering the peril of fire or explosion
with respect to owner-occupied real property used predominantly for

residential purposes which consists of not more than four dwelling
units.
(2) The provisions of this section shall only apply to cities with a
population of one million or more persons according to the nineteen
hundred seventy census, except that within a reasonable time after
receiving a petition by the governing board of a local municipal
corporation as those terms are defined in article one of the general
municipal law, the superintendent shall mandate the use of the
anti-arson application within specific designations contained in such
petition.
(h) The superintendent may suspend or waive the requirement of
subsection (f) of this section if an insurer can demonstrate that
information that is substantially equivalent to the information obtained
pursuant to the two-tier application form completed upon policy
inception is available to the insurer by other means.

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