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Nov 25
Victory: Governor Signs "Storm Chasers" Consumer Protection Bill

​​Tod​ay, Governor Cuomo signed legislation (S.1405/A.7531) aimed at protecting homeowners from "storm chasers," unscrupulous roofers who exploit​ homeowners in need of home repair services after a major storm, performing sub-standard work that must be redone, or no work at all​.

Big I NY and partners in the insurance industry undertook a multi-year campaign to pass this legislation to protect our customers. Big I NY member agents sent emails to lawmakers and the governor urging passage of this important bill. 

The legislation, which takes effect 180 days from today, establishes a number of protections, including:

  • ​Establishing specific requirements and responsibilities of roofing contractors
  • Requiring a roofing contractor to enter into a written contract with a homeowner prior to engaging in any repair services
  • Prohibit roofing contractors from advertising or promising to pay or rebate any part of a deductible
  • Granting the customer the right to cancel a contract within 3 days after receiving notice their insurer has denied all or part of their claim
  • Holds that a homeowner in not responsible for payments after the contract has been canceled, except work done before cancellation and for emergency repairs
  • Prohibits a roofing contractor from requiring a deposit in excess of 50% of the total contract amount
  • Prohibits a contractor from abandoning or failing to perform work without justification, or deviating materially from plans or specifications
  • Stipulates that a roofing contractor shall not fail to pay for materials or services rendered when the contractor has received sufficient funds as payment for the contract applicable to those materials and services.
  • Bars a roofing contractor from performing any reporting, adjusting, or negotiation of a claim for the homeowner or receiving compensation for referral to an entity that performs such services
  • Implements minimum general liability insurance requirements for roofing contractors ​of at least $100,000/$300,000 bodily injury and $50,000 property damage, and workers comp coverage or proof of exemption.​

We thank the bill sponsors, Senator Carlucci (D, Rockland-Westchester) and Assemblywoman Buttenschon (D, Utica), and Governor Cuomo for their support of this important issue.


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