Most NYC co‑op renovation delays come from insurance paperwork, not construction issues. Boards reject contractors for missing endorsements, wrong limits, or incorrect certificate language. Why this matters in December Co‑op boards in Harlem, the UWS, and Brooklyn Heights are reviewing renovation packages now for spring work windows. Why Co‑Ops Are So Strict About Insurance Co‑ops carry shared risk. One plumbing failure can damage multiple apartments. Insurance is their first