Requirements & Resources

Prior to emailing your valuation, make sure it meets submission requirements.

  • Photo Requirements

    Photos should always be submitted along with the valuation report. Required photos include:

    • Exterior Photos (min. 4 corners)
    • Interior Photos
    • Special features that should be noted

  • Field Requirements

    The following fields should always be filled out in the valuation report:

    • Zip Code
    • Quality
    • Total Sq. Ft. (Included the square footage of all finished areas, including basements)
    • ISO Construction Class (Anything below level 3 must be reviewed/approved by NDIRF)

  • Historical Property Requirements

    When valuing a property that is listed on the National Historical Registry, it is important to know these buildings may require certain materials and construction processes when rebuilding from a loss. These materials and construction processes usually have an increased cost attached to them. With that being said, the best way to value these buildings to accommodate for this increase in cost is to use a Quality 1 and add either the Historical 20 or Historical 30 modifier.

  • Quality Ratings

    Most buildings should fall between 1 (Excellent) and 3 (Average) on the rating scale. On a rare occasion, a building may be rated between 4 (Fair) and 6 (Poor). If you believe your building’s construction quality should be rated below average, contact ndirfmemberservices@ndirf.com.

    • 1 Excellent – Custom built, high-end construction consisting of high-quality materials. High quality interior and exterior finishes. Complexity of the building will be a factor as well.
    • 2 Good – Above average construction with ornamentation of a higher quality meant for a better appearance.  High quality interior and exterior finishes.  Includes better lighting and mechanical work.
    • 3 Average – Average construction with simple ornamentation and finishes.
    • 4 Fair (Uncommon) – Must be reviewed/approved by NDIRF
    • 5 Low (Uncommon) – Must be reviewed/approved by NDIRF
    • 6 Poor (Uncommon) – Must be reviewed/approved by NDIRF

  • Construction Type Requirements

    • ISO-1 – Exterior walls, bearing walls and partitions, and the structural floors and roof, and their supports, are wood or light-gauge metal. This includes buildings where the wood or light-gauge metal has been combined with other materials to form composite components such as wood or metal studs with brick or stone veneer, stucco, or metal siding.
    • ISO-2 – Exterior walls constructed of masonry materials such as brick, hollow or solid concrete block, concrete, gypsum block, clay tile, stone, or similar materials. The structural floor and roof are of wood or light-gauge metal.
    • ISO-3 – Exterior walls are metal siding, sandwich panels, or masonry. The roof is clad with metal roofing or sandwich panels. Frame is pre-engineered rigid steel.
    • ISO-4 – Structural floors and roof are of unprotected non-combustible materials such as metal decking or concrete on metal decking and are supported by an unprotected structural steel frame, fire resistive exterior walls, or combination of both.
    • ISO-5 – Structural floors and roof, and their supports are of non-combustible construction with a fire rating of not less than one hour.
    • ISO-6 – Structural floors and roof, and their supports are of materials such as precast or poured-in-place reinforced concrete.

DISCLAIMER: This above information is meant as general information to help you understand the different coverage and property types. These descriptions do not refer to any specific coverage document and they do not modify the definitions, exclusions or any other provision stated in any coverage document issued by the North Dakota Fire and Tornado Fund or North Dakota Insurance Reserve Fund. We encourage you to read your coverage documents to fully understand your coverage. In addition, the valuation guide is intended to provide you with a starting point in determining the estimated value of your property for North Dakota Fire and Tornado Fund coverage purposes only. You are responsible for selecting the appropriate limit for your coverage and for notifying us if you wish to add, delete, or make changes to your coverage. All coverage is subject to the provisions of the coverage document.