Within the wake of flash flooding within the Bismarck-Mandan space, North Dakota Insurance coverage Commissioner Jon Godfread is reminding residents to take rapid steps to evaluate and doc any property harm and to overview their insurance coverage insurance policies to grasp what is roofed.
“Flash floods may cause important and sudden harm, and it’s essential for North Dakotans to be proactive in defending their properties and belongings,” mentioned Godfread. “Understanding your insurance coverage protection is step one in guaranteeing that you’re correctly compensated for any losses.”
Shoppers ought to seize detailed photographs and movies of all affected areas, together with waterlines, structural harm, and broken private property. Listing all broken objects with descriptions, together with make, mannequin, and estimated worth. This documentation will probably be essential when submitting a declare.
Normal householders insurance policies usually cowl harm from wind or hail however don’t cowl flood harm. Residents ought to confirm whether or not they have separate flood insurance coverage protection by means of the Nationwide Flood Insurance coverage Program (NFIP) or a non-public insurer. Renters ought to test their insurance policies to see if their private belongings are lined in case of flood harm.
Report any harm as quickly as potential and start submitting a declare. Your insurance coverage firm can information you on subsequent steps, together with the way to file a declare and what documentation is required.
Supply: North Dakota Insurance coverage Division
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