olicyholders in New York may not successfully sue their insurer to enforce their Homeowners Pollicy unLESs A. the amount of damages sought is above the state's threshold amount. B. the policyholder has complied with all the requirements of the policy. C. negligence on the part of the insurer is alleged. D. the insurer has been afforded an opportunity to negotiate with the claimant for a fair sottlement. olicyholders in New York may not successfully sue their insurer to enforce their Homeowners Pollicy unLESs A. the amount of damages sought is above the state's threshold amount. B. the policyholder has complied with all the requirements of the policy. C. negligence on the part of the insurer is alleged. D. the insurer has been afforded an opportunity to negotiate with the claimant for a fair sottlement