BISMARCK, N.D.-As many North Dakotans begin the process of recovery following flooding, North Dakota Insurance Commissioner Adam Hamm is announcing a collection of questions and answers about flood coverage and insurance. "North Dakotans are dealing with numerous issues caused by the recent blizzards and floods," Hamm said. "We hope this information will help consumers move forward more quickly in the recovery process."
Among the questions answered in the Department's document are:
• My home was damaged by water when the flood entered my home. Will my homeowner's policy pay for the damages?
• My home was damaged by water and sewer material when the sewer backed up into my basement during the flood. Will my homeowner's policy pay for the damages?
• My home was damaged by water when the sump pump failed and water backed up into my basement during the flood. Will my homeowner's policy pay for the damages?
• During the course of fighting the flood, someone drove their vehicle across my lawn causing damage. Is there any coverage for the lawn?
• At one time I purchased "special coverage" for some of my personal property, which was added to my homeowners policy. Are these items covered for flood?
• I had to close my business because of the flood. Will insurance cover my lost income?
• My vehicle was covered by the flood water. Will the damage be covered by my auto policy?
• If I have problems with my insurance company, agent or adjuster, where can I turn?
The entire Q&A can be found on the Insurance Department website by clicking on the new ‘09 flood button on the home page at www.nd.gov/ndins. By clicking on this new '09 flood button, you can also find information and helpful links from the Department and other federal and state agencies.
"I encourage you to talk to your agent about coverage even if this information indicates there would be no coverage," Hamm said. He added that the information is based on standard policy language. Policy provisions differ from company to company.