General information only
Content on this website is educational and general. It describes how insurance appraisal commonly works, but your policy’s language controls. Always read your own policy and its endorsements.
Not legal advice, not a public adjuster
North Dakota Insurance Appraiser provides appraisal, estimating and umpire services. We are not attorneys, we don’t give legal advice, and we don’t act as public adjusters or negotiate claims outside the appraisal process.
No guarantee of results
Every claim is different. Example figures on this site are illustrative and are not results for any client. No appraiser can guarantee an award.
Deadlines
Policies contain deadlines for notice, proof of loss, depreciation recovery and lawsuits, and state law can affect them. Nothing on this site extends or changes any deadline. If one is approaching, consult a North Dakota attorney promptly.
Bad faith and legal claims
North Dakota law recognizes legal claims against insurers that handle claims in bad faith, and the state’s insurance code lists unfair claim settlement practices. Whether either applies depends on facts and law that only an attorney can evaluate. Appraisal doesn’t decide those questions.
Photographs
Photos on this site are public-domain and CC0 images used for illustration. They don’t show our clients’ properties.
Third-party references
References to agencies, laws or weather events are for context. Verify current rules with official sources such as the North Dakota Insurance Department.