ALBANY, N.Y. (AP) — New York state has shredded some bureaucracy to speed the payment of insurance claims to 360,000 victims of Superstorm Sandy, while creating an online system to grade insurers whose state licenses are on the line as they respond to New Yorkers.

Gov. Andrew Cuomo said he met with top insurance companies about the changes that should cut by more than half the time New Yorkers will have to wait for insurance adjusters. That new deadline is six days, from 15 days.

The adjusters must inspect homes and businesses before claims can be paid to policyholders, unless there is a health and safety issue. Sandy victims can make those repairs and make claims using receipts and other paper work.