Section 3405. Fire insurance contract; losses from nuclear reaction or radiation

(a) Insurers  issuing  the  standard  fire  insurance  policy  pursuant to section three thousand four hundred four of this article are
  authorized  to  affix  or include in the policy a written statement that
  such policy does not cover loss or damage caused by nuclear reaction  or
  nuclear  radiation or radioactive contamination, all whether directly or
  indirectly resulting from an insured peril under such policy.
    (b) This section shall not prohibit the attachment to any such  policy
  of  an  endorsement  specifically  assuming  coverage for loss or damage
  caused  by  nuclear  reaction  or  nuclear  radiation   or   radioactive
  contamination.