Insurers have been instructed by the governor and financial services superintendent of New York State to accept homeowners’ documentation of losses, including photos and video, negating the typical requirement for an on-site inspection before claims can be processed.

New York State also imposed a 30-day moratorium on cancelling or terminating homeowners’ and small business owners’ insurance policies for any reason, including non-payment of premiums, in areas affected by the storm. The instructions were issued so that residents can discard debris before a second tropical storm hits the area on Wednesday.

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