Under NY Ins. Law § 3445 and 11 NYCRR 74.1, a New York homeowners insurer that imposes a percentage hurricane / windstorm deductible on a coastal property must:

Why this is the answer

NY Ins. Law § 3445 and Regulation 159 (11 NYCRR Part 74) govern windstorm and hurricane deductible disclosure on New York homeowners and dwelling fire policies. A carrier that uses a percentage hurricane deductible must show its percentage and dollar amount on the declarations and give the insured a written notice, with each new and renewal policy, explaining the trigger and the period it covers. Since February 2, 2026, 11 NYCRR 74.4 allows a hurricane deductible to be triggered only when the National Weather Service determines that a hurricane made landfall in New York; a watch, warning or named storm alone no longer triggers it.