A New York HO-3 policy has been in force for nine months when the carrier discovers a material misrepresentation made on the application. Under N.Y. Ins. Law § 3425, the carrier may cancel mid-term, but the minimum advance written notice the insured must receive is generally:

Why this is the answer

N.Y. Ins. Law § 3425 sets distinct notice timelines for mid-term cancellation of covered personal lines policies. Once a policy has been in effect more than 60 days, cancellation must rest on one of the statute's enumerated grounds (material misrepresentation, physical change increasing the hazard, conviction increasing the hazard, fraud, etc.), and the carrier must mail written notice at least 20 days before the cancellation effective date. Non-payment of premium is treated separately and requires at least 15 days' notice.