About Claims

Coverage for liability or property loss is not often thought about until an event occurs. When it does, you want quick and fair claims resolution. The NDIRF Claims Department has experienced personnel to handle the claims that are made against NDIRF members. Our goals are to provide fast and fair claims service, to promptly pay those claims we owe and deny those we don’t.

The Claims Department handles all types of claims. Typical losses include physical damage to autos and equipment, damage to property of others, and claims for bodily injury. We also handle more complex claims involving alleged damages from police pursuit actions, sexual misconduct claims, wrongful termination, breach of contracts, and constitutional civil rights cases.

Investigations are conducted either by our in-house staff or by approved independent adjusters. Every attempt is made to promptly and thoroughly investigate claims.

About 20% of our open claims are in litigation at any one time. The NDIRF has set up a team of North Dakota attorneys to help defend our members when they have been sued. The NDIRF’s policy is to retain the best qualified legal personnel to aggressively defend lawsuits brought against our members.