Operative Text
All owners required to obtain a landlord license shall be required to obtain a minimum of $50,000 in general liability insurance and hazard and casualty insurance in an amount sufficient to either restore or remove the building in the event of fire or other casualty. Further, in the event of any fire or loss covered by such insurance, it shall be the obligation of the owner to use such insurance proceeds to cause the restoration or demolition or other repair of the property in adherence to applicable laws, codes and regulations.
Under Lyons, N.Y., Code of Ordinances ch. 236 § 236-7, any property owner who must hold a landlord license is also required to carry at least $50,000 in general liability insurance, plus hazard and casualty coverage adequate to either restore or demolish the building after a fire or similar event. If a covered loss occurs, the rule obligates the owner to direct the insurance proceeds toward restoring, demolishing, or otherwise repairing the property in compliance with applicable laws and codes. The provision ties the insurance requirement directly to the licensing obligation, making both conditions part of the same regulatory framework.
Plain English — not legal advice.
Operators subject to the landlord-license requirement under ch. 236 § 236-7 generally maintain at least $50,000 in general liability coverage and carry hazard and casualty policies sized to cover full restoration or removal of the structure. Compliant operators also keep documentation showing that coverage levels are sufficient relative to current replacement or demolition costs, since the ordinance ties the adequacy of coverage to those specific outcomes. When a covered loss does occur, the ordinance directs that insurance proceeds be applied to code-compliant restoration, demolition, or repair rather than retained or redirected.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 236-7 of the Lyons Code of Ordinances requires licensed landlords to maintain insurance that can fund rebuilding or removal of the property after a fire or casualty, which is relevant to tenants who depend on the habitability and structural integrity of their homes. If a fire or other covered event occurs and a landlord appears to be failing to use insurance proceeds for required repairs or demolition, tenants may have grounds to raise that non-compliance with local code-enforcement authorities in Lyons. Tenant-rights organizations and legal aid services can help residents understand how this insurance obligation intersects with habitability rights and what avenues exist for reporting potential violations of ch. 236 § 236-7.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated November 9, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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