The North Dakota State Fire and Tornado Fund (NDFT) provides building, personal, outdoor, and trailer property coverage for North Dakota political subdivisions. Since 2019, the NDIRF has managed the NDFT’s operations, including coverage forms, claims services, and risk management education and training.
Please click the button below to view the Fire & Tornado coverage forms and additional resources.
To learn more about and obtain quotes for the following coverages, please contact our Underwriting Department at NDFT@ndirf.com.
This endorsement is available for adequately valued buildings (BP) and personal property (PP) scheduled at replacement cost (RC). Adequately valued property has coverage limit amounts equivalent to its replacement cost value.
Adequately valued property may be moved to the Blanket Limit of Insurance form. The blanket limit incorporates CP 12 32 (06/07) and provides a 125% margin clause. Property items must be listed on the Blanket Limit of Insurance schedule.
Outdoor property (OP) and property scheduled at actual cash value (ACV) are excluded.
This coverage is offered at no additional cost.
This endorsement (FT WH 07 01 21) amends the per building deductible for wind/hail losses to be applied on a per occurrence basis.
This endorsement (FT SB 07 01 21) increases the coverage limit to $25,000 for damage from water that backs up or overflows from a sewer, drain, or sump. Standard coverage allows $10,000 toward damages caused by sewer backup.
This endorsement (FT DR 07 01 21) allows you to purchase additional debris removal expense coverage in the amounts of $100,000, $250,000, and $500,000. Coverage limits can be selected for each property item. Standard coverage allows $10,000 toward debris removal expense.
This endorsement helps to cover repair or replacement costs if an unexpected mechanical, electrical, or pressure failure occurs.
This information is provided for educational purposes only and provides a general description of NDFT coverage. Representations of coverage within the context of this webpage may not reference all language contained in the coverage documents provided by the NDFT. Refer to the appropriate coverage documents for exact coverage, conditions, exclusions, and other relevant information. Coverage documents can be viewed and downloaded here: Fire & Tornado – NDIRF.
This information is provided for educational purposes only and provides a general description of NDFT coverage. Representations of coverage provided within the context of this information may not reference all language contained in NDFT coverage documents. Please refer to the appropriate coverage document(s) for exact coverage, conditions, exclusions, and other relevant information.
