In almost every state in the country (Washington state and South Carolina are two known exceptions), there is a provision in the Uniform Commercial Code that would allow you to make a "lost, stolen or destroyed" claim with the issuing bank. The law then entitles you to reimbursement after ninety days counting from the date of the check.|
Your bank may be willing to reimburse you earlier than the ninety day waiting period, but it is not obliged to do this. Contact the bank and ask about filing a claim under section 3-312 of the Uniform Commercial Code (in New York, it's section 4-403).
Published on BankingQuestions.com 12/11/07