North Dakota Claims Compliance

Key regulatory requirements, correspondence deadlines, and mandated forms for North Dakota (ND).

Quick Reference

Key Deadlines

Acknowledgment
REASONABLE
Accept/Deny
REASONABLE
Investigation
PROMPTLY
Payment
PROMPTLY
Status Updates
No specific statutory or regulatory requirement found

Requirements

  • Mandated Forms
  • Catastrophe Rules
  • Separate P&C / Life & Health
  • Fraud Warning
  • Depreciation Notice
  • E-Delivery (with_consent)

Regulatory Authority

North Dakota Insurance Department (Insurance Commissioner)

North Dakota Insurance Department, 600 East Boulevard Avenue, Bismarck, ND 58505-0320; Phone: (800) 247-0560; Website: www.nd.gov/ndins

Bad Faith: N.D. Cent. Code § 26.1-04-03(9)

Key Statutes

  • N.D. Cent. Code § 26.1-04-03
Last reviewed: April 1, 2026

North Dakota handles claims correspondence according to specific state regulations. Requirements vary depending on the line of business and specific claim circumstances.

Acknowledgment

Every claim must be acknowledged within 15 days of receipt. The acknowledgment should identify the insurance policy and coverage at issue.

Denial

A written denial must be issued within 30 days. The denial must reference the specific policy provisions, conditions, or exclusions relied upon.

Statutory Language

No specific statutory language mandated beyond standard disclosures.

Applicable Letter Templates

No letter templates currently found for this jurisdiction.