The New York Supreme Court recently weighed in on what constitutes “reasonable care” to maintain heat in the context of a first-party insurance policy exclusion requiring such reasonable care. In Michael Zimmerman v. Leatherstocking Cooperative Insurance Company, CV-23-0362, 2024 NY Slip Op 02113 (April 18, 2024), the Plaintiff was in the process of selling his home in Saratoga Springs, New York. The house was insured under a homeowners policy issued by Leatherstocking Cooperative Insurance Company. On January 2, 2019, a real estate broker arrived at the house and discovered extensive water damage. Plaintiff, who had left for an extended vacation a month prior, notified Leatherstocking of the loss. About The Authors