About Claims


The North Dakota Insurance Reserve Fund recognizes the importance of fast and fair claims resolution.  No one wants an insurance claim, but it can happen at any time.  Coverage for a liability or property loss is not often thought about until an event occurs, in which case, the NDIRF Claims Department has a team of experienced personnel to handle the claims and guide you through the claims process.

Our goal is to provide fast and fair claims service by promptly paying those claims we owe and denying those we don’t.
The NDIRF Claims Department has the expertise to handle a wide variety of claims particular to local government of North Dakota. Our investigations are conducted by our in-house staff or by approved independent adjusters, if needed.

The NDIRF has retained an experienced team of North Dakota attorneys to help defend our members. It is our policy to utilize the most qualified legal personnel to aggressively defend litigation brought against our members.  North Dakota attorneys defending North Dakota!

The NDIRF has created a General Incident Report form and an Auto Incident Report form the member can use to document and file an incident when it occurs.  The member can utilize these forms to collect information about an incident and send to their agent to complete a Loss Notice and submit to our Claims Department.  Please see our Reporting a Claim tab on steps to submit a claim to ensure it is taken care of properly and promptly.


For North Dakota. For Local Government. For YOU.