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NYC Co‑Op Renovation Insurance Requirements 2026
NYC co‑op renovation projects in 2026 are frequently delayed because insurance documentation is wrong or incomplete. Boards in Manhattan and Brooklyn expect specific certificate language, correct limits, umbrella coverage, and compliant subcontractor certificates. Why this matters in December Co‑op boards in Harlem, UES, and Brooklyn Heights review renovation packages now so work can begin in early spring. A missing insurance endorsement can delay the entire project. What Co‑
Richard Golding
Dec 28, 20252 min read


NYC Co‑Op Renovation Insurance Requirements 2026: Why Boards Reject Contractors
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
Richard Golding
Dec 21, 20252 min read
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