North Dakota commissioner calls for property damage assessment after flash floods

In the wake of flooding in the Bismarck-Mandan area, North Dakota Insurance Commissioner Jon Godfread is reminding residents to take immediate steps to assess and document any property damage and review their insurance policies to understand what is covered.

“Flash flooding can cause significant and sudden damage, and it’s critical for North Dakotans to be proactive in protecting their homes and belongings,” Godfread said. “Understanding your insurance coverage is the first step to ensuring you are properly compensated for any losses.”

Consumers should capture detailed images and video of all affected areas, including water lines, structural damage and damaged personal property. List all damaged items with descriptions, including make, model and estimated value. This documentation will be crucial when you submit an application.

Standard homeowner’s policies usually cover wind or hail damage, but do not cover flood damage. Residents should check to see if they have separate flood insurance coverage through the National Flood Insurance Program (NFIP) or a private insurer. Renters should check their policies to see if their personal belongings are covered in the event of flood damage.

Report any damage as soon as possible and start filing a claim. Your insurance company can guide you on the next steps, including how to file a claim and what documents are required.

Source: North Dakota Department of Insurance

TOPICS
Flooding property