Do you support this bill?

Senate Bill S4211

2025-2026 Legislative Session

Requires replacement cost fire insurance on multiple dwellings and use of insurance proceeds to replace such multiple dwellings

download bill text pdf

Sponsored By

Current Bill Status - In Senate Committee Housing, Construction And Community Development Committee

Please enter your contact information

Home address is used to determine the senate district in which you reside. Your support or opposition to this bill is then shared immediately with the senator who represents you.

Optional services from the NY State Senate:

Create an account. An account allows you to officially support or oppose key legislation, sign petitions with a single click, and follow issues, committees, and bills that matter to you. When you create an account, you agree to this platform's terms of participation.

Include a custom message for your Senator? (Optional)

Enter a message to your senator. Many New Yorkers use this to share the reasoning behind their support or opposition to the bill. Others might share a personal anecdote about how the bill would affect them or people they care about.

Actions

2025-S4211 (ACTIVE) - Details

Current Committee:
Senate Housing, Construction And Community Development
Law Section:
Multiple Dwelling Law
Laws Affected:
Add §308-a, Mult Dwell L
Versions Introduced in Other Legislative Sessions:
2009-2010: S4606
2011-2012: S3398
2013-2014: S3256
2015-2016: S1435
2017-2018: S3414
2019-2020: S4595
2021-2022: S4792
2023-2024: S5874

2025-S4211 (ACTIVE) - Summary

Requires owner of a multiple dwelling to procure and maintain fire insurance on such multiple dwelling in the amount of the full cost to replace such multiple dwelling; requires owners of multiple dwellings to use insurance proceeds to replace such multiple dwellings; deems void provisions in other documents which are contrary to such insurance requirement; provides that failure to comply with such provisions shall constitute a misdemeanor

2025-S4211 (ACTIVE) - Sponsor Memo

2025-S4211 (ACTIVE) - Bill Text download pdf 

                             
                     S T A T E   O F   N E W   Y O R K
 ________________________________________________________________________
 
                                   4211
 
                        2025-2026 Regular Sessions
 
                             I N  S E N A T E
 
                             February 3, 2025
                                ___________
 
 Introduced  by  Sen.  PARKER -- read twice and ordered printed, and when
   printed to be committed to the Committee on Housing, Construction  and
   Community Development
 
 AN ACT to amend the multiple dwelling law, in relation to fire insurance
   policies on occupied multiple dwellings

   THE  PEOPLE OF THE STATE OF NEW YORK, REPRESENTED IN SENATE AND ASSEM-
 BLY, DO ENACT AS FOLLOWS:
 
   Section 1. The multiple dwelling  law  is  amended  by  adding  a  new
 section 308-a to read as follows:
   §  308-A. FIRE INSURANCE CONTRACTS REQUIRED; PROCEEDS THEREOF. 1.  ANY
 OWNER OF A MULTIPLE DWELLING MUST PROCURE A  POLICY  OF  FIRE  INSURANCE
 THEREON  AND  CONTINUE  THE  SAME  IN FULL FORCE AND EFFECT AT ALL TIMES
 DURING THE OCCUPANCY OF SUCH MULTIPLE DWELLING BY ONE OR MORE TENANTS AT
 A VALUE EQUIVALENT AT ALL TIMES TO THE FULL REPLACEMENT VALUE THEREOF.
   2. NOTWITHSTANDING THE PROVISIONS OF ANY OTHER LAW,  THE  PROCEEDS  OF
 ANY  FIRE  INSURANCE  CONTRACT  ON  A MULTIPLE DWELLING SHALL BE USED TO
 RESTORE THE DAMAGED PROPERTY TO A HABITABLE CONDITION  AT  LEAST  EQUIV-
 ALENT TO THE CONDITION OF SUCH MULTIPLE DWELLING PRIOR TO THE LOSS.
   3. IF A MULTIPLE DWELLING IS TO BE OCCUPIED AS SUCH AFTER A LOSS REIM-
 BURSABLE  PURSUANT TO SUCH FIRE INSURANCE CONTRACT, ANY PERSON WHO WAS A
 TENANT THEREOF AT THE TIME OF THE  LOSS  AND  SHARES  NO  RESPONSIBILITY
 THEREFOR  SHALL  HAVE  THE OPPORTUNITY TO CONTINUE THEIR OCCUPANCY AFTER
 RESTORATION FOR THE DURATION OF THEIR LEASE UNDER  THE  SAME  TERMS  AND
 CONDITIONS AS BEFORE SAID LOSS.
   4.  ANY  PROVISION  IN  A SALES CONTRACT, MORTGAGE INDENTURE, LEASE OR
 OTHER DOCUMENT CONTRARY TO THE PROVISIONS OF THIS SECTION SHALL BE  VOID
 AS AGAINST PUBLIC POLICY.
   5.  ANY  FAILURE  ON  THE  PART  OF AN OWNER OF A MULTIPLE DWELLING TO
 COMPLY WITH THE PROVISIONS OF THIS SECTION SHALL CAUSE THEM TO BE GUILTY
 OF A MISDEMEANOR.
 
  EXPLANATION--Matter in ITALICS (underscored) is new; matter in brackets
                       [ ] is old law to be omitted.
                                                            LBD07828-01-5
 S. 4211                             2

Comments

Open Legislation is a forum for New York State legislation. All comments are subject to review and community moderation is encouraged.

Comments deemed off-topic, commercial, campaign-related, self-promotional; or that contain profanity, hate or toxic speech; or that link to sites outside of the nysenate.gov domain are not permitted, and will not be published. Attempts to intimidate and silence contributors or deliberately deceive the public, including excessive or extraneous posting/posts, or coordinated activity, are prohibited and may result in the temporary or permanent banning of the user. Comment moderation is generally performed Monday through Friday. By contributing or voting you agree to the Terms of Participation and verify you are over 13.

Create an account. An account allows you to sign petitions with a single click, officially support or oppose key legislation, and follow issues, committees, and bills that matter to you. When you create an account, you agree to this platform's terms of participation.