Are there any restrictions on the types of losses I can claim for?
Yes, there are certain restrictions on the types of losses you can claim for under North Dakota’s Fire Insurance Claims Law. Generally, such claims must relate to physical damage, or loss of or damage to tangible property, that was caused by a fire that took place on the insured property. Also, the damage or loss must have been caused by, or include, one of the following events: a malicious act, lightning, explosion, windstorm, civil commotion, riot, aircraft, vehicle, smoke, or volcanic activity. In most cases, claims may not be made for losses due to flooding, mudflows, landslides, or earth movements. Additionally, if the damage or loss is caused by a failure or defect in the design, construction, or installation of any building or structure, such losses may be covered under North Dakota’s Warranty Statute, but these types of losses would not be covered under the Fire Insurance Claims Law. Furthermore, it is important to note that the Fire Insurance Claims Law only applies to structures that are designed for residential or commercial use, or for storing personal property. Claims for agricultural operations, such as crop loss, are not eligible for coverage under the Fire Insurance Claims Law. Finally, in order to be eligible for coverage, all claims must be made within a reasonable amount of time after the fire occurred. Claims must also include full information about the cause of the fire, the property and items that were damaged, and the amount of the loss incurred.
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