ND Insurance Commish Live On KEYZ Tues @ 8:05am To Talk Fires

BISMARCK, N.D. – Following the recent wildfires that swept through parts of North Dakota, Insurance Commissioner Jon Godfread and State Fire Marshal Doug Nelson are providing important advice to residents on how to protect themselves and their property during the recovery process.

Commissioner Godfread will be live on KEYZ Tuesday, October 8th, at 8:05 am to talk with Scott Haugen about how anyone affected by the fires can seek help and what steps to take.

“The wildfires that impacted our state were devastating. If your property was damaged, it's crucial to understand your insurance coverage and follow the right steps to reduce loss and make the claims process smoother,” said Godfread. “I also want to express my gratitude to the first responders and firefighters. As of 2023, about 92% of firefighters are volunteers. These public servants are working tirelessly to safeguard lives and property, and we deeply appreciate their efforts.”

Nelson highlighted the importance of safety when returning to fire-damaged properties. "The aftermath of a wildfire can pose serious hazards. Residents need to be aware of these risks and take appropriate precautions to protect themselves and their families," he said.

Nelson advised waiting for clearance from local authorities before re-entering any affected property. Once it's safe to return, residents should carefully inspect their homes for structural damage and potential issues with utilities like gas lines or electrical wiring. If it’s safe to enter, open doors and windows to ventilate the home and remove any lingering smoke, but remain cautious of any gas odors or other hazardous fumes.

Godfread also shared important steps for those impacted by the wildfires:

Report any damage to your insurance company as soon as possible. Fire and smoke damage are typically covered by standard homeowners and renters insurance policies.
Document all damage—inside and outside—before making repairs. Create a detailed inventory of damaged belongings. Proof of ownership, such as receipts, can assist with the claims process.
Take steps to secure your property and prevent further damage, such as covering broken windows or holes.
Review your policy's Additional Living Expense coverage, which may cover hotel stays or meals if your home is uninhabitable due to damage.

Godfread also urged residents to review their insurance policies to ensure they have adequate coverage for natural disasters like wildfires.

Anyone with questions or concerns about their insurance claims or coverage can contact the North Dakota Insurance Department at (701) 328-2440 or visit insurance.nd.gov.