The insurer must give the insured a copy of the inspection report minus any photos and will keep the completed report in the insured's policy record for how many years?

The correct answer is based on New York state regulations, which require insurers to maintain certain documentation related to insurance policies and claims. The completed inspection report, which is part of the claims process, must be kept in the insured's policy record for a minimum of six years.

This retention period ensures that there is a comprehensive history of the policy and any claims made, allowing for proper tracking and recordkeeping. This can be essential for both the insurer and the insured in the event of disputes, audits, or further claims related to the same incident. The requirement to provide a copy of the inspection report (excluding photos) helps maintain transparency and allows the insured to keep informed about the status and evaluations made regarding their policy claims.

The other duration options do not align with the state regulations outlined in New York for this specific documentation, as most insurance records, including inspection reports, are set at the six-year mark for retention.