Download pdf
Loading PDF...


CHAPTER 26.1-39PROPERTY AND CASUALTY INSURANCE26.1-39-01. Rescission of fire insurance contract for alteration increasing risk. Analteration in the use or condition of a thing insured from that to which it is limited by the policy, if<br>made without the consent of the insurer, by means within the control of the insured, and if it<br>increases the risk, entitles an insurer to rescind a fire insurance contract.26.1-39-02.Rescission of fire contract not permitted if risk not increased.Analteration in the use or condition of a thing insured from that to which it is limited by the policy,<br>which does not increase the risk, does not affect a fire insurance contract.26.1-39-03. When fire contract unaffected though risk increased. A fire insurancecontract is not affected by any act of the insured subsequent to the execution of the policy, if the<br>act does not violate its provisions, even though it increases the risk and is the cause of a loss.26.1-39-04. Measure of indemnity on fire policy. If there is no valuation in the policy,the measure of indemnity in an insurance against fire is the full amount stated in the policy. If<br>there is a valuation in the policy, the valuation is conclusive between the parties in the adjustment<br>either of a partial or a total loss if the insured has some interest at risk and there is no fraud on<br>the insured's part. In the event of a partial loss, the insurer is liable only for the proportion of the<br>amount insured as the loss bears to the value of the whole interest of the insured in the property<br>insured. A valuation fraudulent in fact, however, entitles the insurer to rescind the contract. The<br>provisions of this section may not be construed as a revocation of any of the rights of insurers<br>delineated in section 26.1-39-05.26.1-39-05. Face of policy to be paid in case of covered loss.1.Whenever any insurance policy is written or renewed to insure any real property in<br>this state, including structures owned by persons other than the insured, against loss<br>caused by or resulting from any covered cause of loss and the insured property is<br>wholly or completely destroyed by any covered cause of loss without fraud on the<br>part of the insured or the insured's assigns, the amount of the insurance written in<br>the policy is the true value of the property insured and the true amount of loss and<br>measure of damages, subject to the following conditions:a.If the covered loss occurred within ninety days after the policy was issued or<br>within ninety days after the policy limits were increased by twenty-five percent<br>or more at the insured's request, the loss payable to the insured for covered<br>loss incurred during the first ninety days is the full value of the policy, or the<br>actual cash value or replacement cost of the property, whichever is less. This<br>subsection does not apply to unchanged renewal policies or policies with<br>inflation adjustment limits.b.Builder risk policies of insurance covering property in the process of being<br>constructed must be valued and settled according to the actual value of that<br>portion of construction completed at the time of any covered cause of loss.c.In case of double insurance, each insurer shall contribute proportionally toward<br>the loss without regard to the dates of the insurance policies.2.This section does not apply as to personal property or any interest therein.3.This section does not apply to any claim for loss of an appurtenant structure or<br>separate structure. Any claim for loss of an appurtenant or separate structure must<br>be settled for actual replacement cost or actual cash value, depending on the policy<br>provisions applicable to the structure, unless an appurtenant or separate structure isPage No. 1individually described in the policy and a value is assigned to that specific structure<br>before the loss.26.1-39-06.Standard fire insurance policy.No fire insurance contract or policy,including a renewal, may be made, issued, used, or delivered by any insurer or by any insurance<br>producer or representative of the insurer on property in this state other than such as conform in<br>all particulars as to blanks, size of type, context, provisions, agreements, and conditions with the<br>1943 standard fire insurance policy of the state of New York, a copy of which must be filed in the<br>office of the commissioner as the standard policy for this state.The cancellation provisionscontained in the standard policy are superseded to the extent sections 26.1-39-10 through<br>26.1-39-21 are inconsistent with the provisions.No other or different provision, agreement,condition, or clause may be made a part of the contract or policy or be endorsed on the contract<br>or policy or delivered with the contract or policy, except as follows:1.The name of the insurer, its location and place of business, the date of its<br>incorporation or organization, and the state or county under which the insurer is<br>organized, the amount of paid-up capital stock, whether it is a stock or mutual<br>company, the names of its officers, the number and the date of the policy, and<br>appropriate company emblems may be printed on policies issued on property in this<br>state; provided, however, that any insurer organized under special charter provisions<br>may so indicate upon its policy and may add a statement of the plan under which it<br>operates in this state.2.Printed or written forms of description and specifications or schedules of the property<br>covered by any particular policy and any other matter necessary to express clearly<br>all the facts and conditions of insurance on any particular risk, which facts or<br>conditions may not be inconsistent with or a waiver of any of the provisions or<br>conditions of the standard policy, may be written upon or attached or appended to<br>any policy issued on property in this state.Appropriate forms of contracts,supplemental contracts, or endorsements, by which the interest in the property<br>described is insured against one or more of the perils which the insurer is<br>empowered to assume, may be used in connection with the standard policy. The<br>forms of contracts, supplemental contracts, or endorsements attached or printed on<br>the policy may contain provisions and stipulations inconsistent with the standard<br>policy if applicable only to the other perils. The first page of the standard policy may<br>be rearranged to provide space for the listing of rates and premiums for coverages<br>insured under the policy or under endorsements attached or printed on the policy,<br>and such other data as may be included for duplication on daily reports for office<br>records.3.An insurer, if entitled to do business in this state, may with the approval of the<br>commissioner, if not already included in the standard form as filed with the<br>commissioner, print on its policies any provision which it is required by law to insert<br>in the policies if the provision is not in conflict with the laws of this state or the United<br>States, or of the provisions of the standard policy, but the provision must be printed<br>apart from the other provisions, agreements, or conditions of the policy and in type<br>not smaller than the body of the policy and a separate title, as follows: &quot;Provisions<br>required by law to be stated in this policy&quot;, and must be a part of the policy.4.A commercial insurance policy providing coverage for fire insurance in accordance<br>with this section may exclude coverage for loss by fire insured against if the fire is<br>caused directly or indirectly by terrorism.5.There may be endorsed in writing on the outside of any policy the name, with the<br>word &quot;Producer or Producers&quot; and place of business, of any insurance producer or<br>producers. There may also be added, with the approval of the commissioner, a<br>statement of the group of companies with which the insurer is financially affiliated.Page No. 26.When two or more insurers, each having previously complied with the laws of this<br>state, unite to issue a joint policy, there may be expressed in the head line of each<br>policy the fact of the severalty of the contract; also the proportion of premiums to be<br>paid to each insurer and the proportion of liability which each insurer agrees to<br>assume. And in the printed conditions of the policy the necessary change may be<br>made from the singular to plural number, when reference is had to the insurers<br>issuing such policy.7.With the approval of the commissioner, a combined farm policy may be used, the<br>fire portion of which must be substantially in accord with the standard policy.8.The standard policy is an interest policy and must be so construed as to at all times<br>protect the interest, whatever it may be, of any named insured. Provided, however,<br>that a five-day grace period is allowed after the execution of any written instrument<br>transferring interest in insured property during which full protection must be granted<br>under the terms of the policy.9.In case of other coverage on the same peril, the liability of each insurer may not be<br>for any greater amount or proportion of the loss than the ratio such insurance bears<br>to the valid and collectible whole insurance covering the property against the peril<br>involved.10.No contract or policy issued under this section may contain a limitation of less than<br>three years for the bringing of any suit or action under the contract or policy.11.This section does not apply to inland marine, ocean marine, or automobile<br>insurance.26.1-39-07. Standard fire policy - Loss or damage caused by nuclear reaction. Aninsurer issuing the standard policy pursuant to section 26.1-39-06 may affix to the policy or<br>include in the policy a written statement that the policy does not cover loss or damage caused by<br>nuclear reaction or nuclear radiation or radioactive contamination, all whether directly or indirectly<br>resulting from an insured peril under the policy. An insurer may attach to the standard policy an<br>endorsement or endorsements specifically assuming coverage for loss or damage caused by<br>nuclear reaction or nuclear radiation or radioactive contamination.26.1-39-08. Construction of standard fire policy. The standard policy is a valuedpolicy as defined under section 26.1-30-03.An insurance policy in the form prescribed bysection 26.1-39-06 is subject to the rules of construction as to its effect or the waiver of any of its<br>provisions which would apply if the form had not been prescribed.26.1-39-09. Nonstandard fire policy. The commissioner may approve for use in thisstate a form of policy which does not correspond to the standard policy as provided by section<br>26.1-39-06; provided, that the coverage of the approved policy form with respect to the peril of<br>fire may not be less than that contained in the standard policy.26.1-39-09.1. Certain property and casualty insurance programs to be marketedthrough resident agents or brokers - Service fee. Repealed by S.L. 1999, ch. 252,</div></article><aside class="right-sidebar"><div class="related-sidebar"><h3><span class="emoji">⚖️</span> State Laws</h3><ul class="state-laws-list"><li><a href="https://state-laws.laws.com/state-of-alabama">The State Laws of <!-- -->Alabama</a></li><li><a href="https://state-laws.laws.com/state-of-alaska">The State Laws of <!-- -->Alaska</a></li><li><a href="https://state-laws.laws.com/state-of-arizona">The State Laws of <!-- -->Arizona</a></li><li><a href="https://state-laws.laws.com/state-of-arkansas">The State Laws of <!-- -->Arkansas</a></li><li><a href="https://state-laws.laws.com/state-of-california">The State Laws of <!-- -->California</a></li><li><a href="https://state-laws.laws.com/state-of-colorado">The State Laws of <!-- -->Colorado</a></li><li><a href="https://state-laws.laws.com/state-of-connecticut">The State Laws of <!-- -->Connecticut</a></li><li><a href="https://state-laws.laws.com/state-of-delaware">The State Laws of <!-- -->Delaware</a></li><li><a href="https://state-laws.laws.com/state-of-florida">The State Laws of <!-- -->Florida</a></li><li><a href="https://state-laws.laws.com/state-of-georgia">The State Laws of <!-- -->Georgia</a></li><li><a href="https://state-laws.laws.com/state-of-hawaii">The State Laws of <!-- -->Hawaii</a></li><li><a href="https://state-laws.laws.com/state-of-idaho">The State Laws of <!-- -->Idaho</a></li><li><a href="https://state-laws.laws.com/state-of-illinois">The State Laws of <!-- -->Illinois</a></li><li><a href="https://state-laws.laws.com/state-of-indiana">The State Laws of <!-- -->Indiana</a></li><li><a href="https://state-laws.laws.com/state-of-iowa">The State Laws of <!-- -->Iowa</a></li><li><a href="https://state-laws.laws.com/state-of-kansas">The State Laws of <!-- -->Kansas</a></li><li><a href="https://state-laws.laws.com/state-of-kentucky">The State Laws of <!-- -->Kentucky</a></li><li><a href="https://state-laws.laws.com/state-of-louisiana">The State Laws of <!-- -->Louisiana</a></li><li><a href="https://state-laws.laws.com/state-of-maine">The State Laws of <!-- -->Maine</a></li><li><a href="https://state-laws.laws.com/state-of-maryland">The State Laws of <!-- -->Maryland</a></li><li><a href="https://state-laws.laws.com/state-of-massachusetts">The State Laws of <!-- -->Massachusetts</a></li><li><a href="https://state-laws.laws.com/state-of-michigan">The State Laws of <!-- -->Michigan</a></li><li><a href="https://state-laws.laws.com/state-of-minnesota">The State Laws of <!-- -->Minnesota</a></li><li><a href="https://state-laws.laws.com/state-of-mississippi">The State Laws of <!-- -->Mississippi</a></li><li><a href="https://state-laws.laws.com/state-of-missouri">The State Laws of <!-- -->Missouri</a></li><li><a href="https://state-laws.laws.com/state-of-montana">The State Laws of <!-- -->Montana</a></li><li><a href="https://state-laws.laws.com/state-of-nebraska">The State Laws of <!-- -->Nebraska</a></li><li><a href="https://state-laws.laws.com/state-of-nevada">The State Laws of <!-- -->Nevada</a></li><li><a href="https://state-laws.laws.com/state-of-new-hampshire">The State Laws of <!-- -->New Hampshire</a></li><li><a href="https://state-laws.laws.com/state-of-new-jersey">The State Laws of <!-- -->New Jersey</a></li><li><a href="https://state-laws.laws.com/state-of-new-mexico">The State Laws of <!-- -->New Mexico</a></li><li><a href="https://state-laws.laws.com/state-of-new-york">The State Laws of <!-- -->New York</a></li><li><a href="https://state-laws.laws.com/state-of-north-carolina">The State Laws of <!-- -->North Carolina</a></li><li><a href="https://state-laws.laws.com/state-of-north-dakota">The State Laws of <!-- -->North Dakota</a></li><li><a href="https://state-laws.laws.com/state-of-ohio">The State Laws of <!-- -->Ohio</a></li><li><a href="https://state-laws.laws.com/state-of-oklahoma">The State Laws of <!-- -->Oklahoma</a></li><li><a href="https://state-laws.laws.com/state-of-oregon">The State Laws of <!-- -->Oregon</a></li><li><a href="https://state-laws.laws.com/state-of-pennsylvania">The State Laws of <!-- -->Pennsylvania</a></li><li><a href="https://state-laws.laws.com/state-of-rhode-island">The State Laws of <!-- -->Rhode Island</a></li><li><a href="https://state-laws.laws.com/state-of-south-carolina">The State Laws of <!-- -->South Carolina</a></li><li><a href="https://state-laws.laws.com/state-of-south-dakota">The State Laws of <!-- -->South Dakota</a></li><li><a href="https://state-laws.laws.com/state-of-tennessee">The State Laws of <!-- -->Tennessee</a></li><li><a href="https://state-laws.laws.com/state-of-texas">The State Laws of <!-- -->Texas</a></li><li><a href="https://state-laws.laws.com/state-of-utah">The State Laws of <!-- -->Utah</a></li><li><a href="https://state-laws.laws.com/state-of-vermont">The State Laws of <!-- -->Vermont</a></li><li><a href="https://state-laws.laws.com/state-of-virginia">The State Laws of <!-- -->Virginia</a></li><li><a href="https://state-laws.laws.com/state-of-washington">The State Laws of <!-- -->Washington</a></li><li><a href="https://state-laws.laws.com/state-of-west-virginia">The State Laws of <!-- -->West Virginia</a></li><li><a href="https://state-laws.laws.com/state-of-wisconsin">The State Laws of <!-- -->Wisconsin</a></li><li><a href="https://state-laws.laws.com/state-of-wyoming">The State Laws of <!-- -->Wyoming</a></li></ul></div></aside></div></section><!--$--><!--/$--><footer class="footer"></footer><script src="/_next/static/chunks/2a2449c32e1f321b.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR" id="_R_" async=""></script><script>(self.__next_f=self.__next_f||[]).push([0])</script><script>self.__next_f.push([1,"1:\"$Sreact.fragment\"\n2:I[39756,[\"/_next/static/chunks/ff1a16fafef87110.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/d2be314c3ece3fbe.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"default\"]\n3:I[37457,[\"/_next/static/chunks/ff1a16fafef87110.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/d2be314c3ece3fbe.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"default\"]\n4:I[79520,[\"/_next/static/chunks/744355e03808d4c7.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"\"]\n6:I[97367,[\"/_next/static/chunks/ff1a16fafef87110.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/d2be314c3ece3fbe.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"OutletBoundary\"]\n7:\"$Sreact.suspense\"\n9:I[97367,[\"/_next/static/chunks/ff1a16fafef87110.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/d2be314c3ece3fbe.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"ViewportBoundary\"]\nb:I[97367,[\"/_next/static/chunks/ff1a16fafef87110.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/d2be314c3ece3fbe.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"MetadataBoundary\"]\nd:I[68027,[\"/_next/static/chunks/ff1a16fafef87110.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/d2be314c3ece3fbe.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"default\"]\n:HL[\"https://fonts.googleapis.com/css2?family=SF+Pro+Display:wght@300;400;500;600;700\u0026display=swap\",\"style\"]\n:HL[\"/includes/statutes-pages.css?v=2\",\"style\"]\n"])</script><script>self.__next_f.push([1,"0:{\"P\":null,\"b\":\"QO7shand-zMNSFf865LMc\",\"c\":[\"\",\"north-dakota\",\"t-261\",\"t-261-c-39\",\"\"],\"q\":\"\",\"i\":false,\"f\":[[[\"\",{\"children\":[[\"state\",\"north-dakota\",\"d\"],{\"children\":[[\"slug\",\"t-261/t-261-c-39\",\"c\"],{\"children\":[\"__PAGE__\",{}]}]}]},\"$undefined\",\"$undefined\",true],[[\"$\",\"$1\",\"c\",{\"children\":[[[\"$\",\"script\",\"script-0\",{\"src\":\"/_next/static/chunks/744355e03808d4c7.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"async\":true,\"nonce\":\"$undefined\"}]],[\"$\",\"html\",null,{\"lang\":\"en\",\"children\":[[\"$\",\"head\",null,{\"children\":[[\"$\",\"meta\",null,{\"charSet\":\"UTF-8\"}],[\"$\",\"meta\",null,{\"name\":\"viewport\",\"content\":\"width=device-width, initial-scale=1.0\"}],[\"$\",\"link\",null,{\"rel\":\"preconnect\",\"href\":\"https://fonts.googleapis.com\"}],[\"$\",\"link\",null,{\"rel\":\"preconnect\",\"href\":\"https://fonts.gstatic.com\",\"crossOrigin\":\"anonymous\"}],[\"$\",\"link\",null,{\"href\":\"https://fonts.googleapis.com/css2?family=SF+Pro+Display:wght@300;400;500;600;700\u0026display=swap\",\"rel\":\"stylesheet\"}],[\"$\",\"link\",null,{\"rel\":\"stylesheet\",\"href\":\"/includes/statutes-pages.css?v=2\"}]]}],[\"$\",\"body\",null,{\"children\":[[\"$\",\"header\",null,{\"className\":\"header\"}],[\"$\",\"$L2\",null,{\"parallelRouterKey\":\"children\",\"error\":\"$undefined\",\"errorStyles\":\"$undefined\",\"errorScripts\":\"$undefined\",\"template\":[\"$\",\"$L3\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":[[[\"$\",\"title\",null,{\"children\":\"404: This page could not be found.\"}],[\"$\",\"div\",null,{\"style\":{\"fontFamily\":\"system-ui,\\\"Segoe UI\\\",Roboto,Helvetica,Arial,sans-serif,\\\"Apple Color Emoji\\\",\\\"Segoe UI Emoji\\\"\",\"height\":\"100vh\",\"textAlign\":\"center\",\"display\":\"flex\",\"flexDirection\":\"column\",\"alignItems\":\"center\",\"justifyContent\":\"center\"},\"children\":[\"$\",\"div\",null,{\"children\":[[\"$\",\"style\",null,{\"dangerouslySetInnerHTML\":{\"__html\":\"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}\"}}],[\"$\",\"h1\",null,{\"className\":\"next-error-h1\",\"style\":{\"display\":\"inline-block\",\"margin\":\"0 20px 0 0\",\"padding\":\"0 23px 0 0\",\"fontSize\":24,\"fontWeight\":500,\"verticalAlign\":\"top\",\"lineHeight\":\"49px\"},\"children\":404}],[\"$\",\"div\",null,{\"style\":{\"display\":\"inline-block\"},\"children\":[\"$\",\"h2\",null,{\"style\":{\"fontSize\":14,\"fontWeight\":400,\"lineHeight\":\"49px\",\"margin\":0},\"children\":\"This page could not be found.\"}]}]]}]}]],[]],\"forbidden\":\"$undefined\",\"unauthorized\":\"$undefined\"}],[\"$\",\"footer\",null,{\"className\":\"footer\"}],[\"$\",\"$L4\",null,{\"src\":\"/includes/statutes-inject.js?v=1\",\"strategy\":\"afterInteractive\"}]]}]]}]]}],{\"children\":[[\"$\",\"$1\",\"c\",{\"children\":[null,[\"$\",\"$L2\",null,{\"parallelRouterKey\":\"children\",\"error\":\"$undefined\",\"errorStyles\":\"$undefined\",\"errorScripts\":\"$undefined\",\"template\":[\"$\",\"$L3\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":\"$undefined\",\"forbidden\":\"$undefined\",\"unauthorized\":\"$undefined\"}]]}],{\"children\":[[\"$\",\"$1\",\"c\",{\"children\":[null,[\"$\",\"$L2\",null,{\"parallelRouterKey\":\"children\",\"error\":\"$undefined\",\"errorStyles\":\"$undefined\",\"errorScripts\":\"$undefined\",\"template\":[\"$\",\"$L3\",null,{}],\"templateStyles\":\"$undefined\",\"templateScripts\":\"$undefined\",\"notFound\":\"$undefined\",\"forbidden\":\"$undefined\",\"unauthorized\":\"$undefined\"}]]}],{\"children\":[[\"$\",\"$1\",\"c\",{\"children\":[\"$L5\",[[\"$\",\"script\",\"script-0\",{\"src\":\"/_next/static/chunks/7c92e96509cd355e.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"async\":true,\"nonce\":\"$undefined\"}]],[\"$\",\"$L6\",null,{\"children\":[\"$\",\"$7\",null,{\"name\":\"Next.MetadataOutlet\",\"children\":\"$@8\"}]}]]}],{},null,false,false]},null,false,false]},null,false,false]},null,false,false],[\"$\",\"$1\",\"h\",{\"children\":[null,[\"$\",\"$L9\",null,{\"children\":\"$La\"}],[\"$\",\"div\",null,{\"hidden\":true,\"children\":[\"$\",\"$Lb\",null,{\"children\":[\"$\",\"$7\",null,{\"name\":\"Next.Metadata\",\"children\":\"$Lc\"}]}]}],null]}],false]],\"m\":\"$undefined\",\"G\":[\"$d\",[]],\"S\":false}\n"])</script><script>self.__next_f.push([1,"a:[[\"$\",\"meta\",\"0\",{\"charSet\":\"utf-8\"}],[\"$\",\"meta\",\"1\",{\"name\":\"viewport\",\"content\":\"width=device-width, initial-scale=1\"}]]\n8:null\nc:[[\"$\",\"title\",\"0\",{\"children\":\"T-261-C-39 - North Dakota Statutes - LAWS.com\"}],[\"$\",\"meta\",\"1\",{\"name\":\"description\",\"content\":\"T-261-C-39 - North Dakota State Statutes and Laws\"}],[\"$\",\"link\",\"2\",{\"rel\":\"canonical\",\"href\":\"https://statutes.laws.com/north-dakota/t-261/t-261-c-39/\"}]]\n"])</script><script>self.__next_f.push([1,"e:I[22016,[\"/_next/static/chunks/744355e03808d4c7.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\",\"/_next/static/chunks/7c92e96509cd355e.js?dpl=dpl_AQPhqj6aLt1ver5KqnebmCuHPZxR\"],\"\"]\n"])</script><script>self.__next_f.push([1,"5:[[\"$\",\"nav\",null,{\"className\":\"breadcrumb\",\"children\":[\"$\",\"ul\",null,{\"className\":\"breadcrumb-list\",\"children\":[[\"$\",\"li\",null,{\"children\":[\"$\",\"a\",null,{\"href\":\"https://laws.com/\",\"children\":\"LAWS\"}]}],[\"$\",\"li\",null,{\"className\":\"breadcrumb-separator\",\"children\":\"\u003e\"}],[\"$\",\"li\",null,{\"children\":[\"$\",\"a\",null,{\"href\":\"/\",\"children\":\"STATUTES\"}]}],[\"$\",\"li\",null,{\"className\":\"breadcrumb-separator\",\"children\":\"\u003e\"}],[\"$\",\"li\",null,{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/\",\"children\":\"NORTH DAKOTA\"}]}],[[\"$\",\"span\",\"0\",{\"children\":[[\"$\",\"li\",null,{\"className\":\"breadcrumb-separator\",\"children\":\"\u003e\"}],[\"$\",\"li\",null,{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-261/\",\"children\":\"T-261\"}]}]]}],[\"$\",\"span\",\"1\",{\"children\":[[\"$\",\"li\",null,{\"className\":\"breadcrumb-separator\",\"children\":\"\u003e\"}],[\"$\",\"li\",null,{\"children\":[\"$\",\"span\",null,{\"children\":\"T-261-C-39\"}]}]]}]]]}]}],[\"$\",\"section\",null,{\"className\":\"article-section\",\"children\":[\"$\",\"div\",null,{\"className\":\"article-grid\",\"children\":[[\"$\",\"aside\",null,{\"className\":\"sidebar-nav\",\"children\":[\"$\",\"div\",null,{\"className\":\"sidebar-card\",\"children\":[[\"$\",\"h3\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"emoji\",\"children\":\"📚\"}],\" \",\"North Dakota\",\" Statutes\"]}],[\"$\",\"ul\",null,{\"className\":\"toc-list\",\"children\":[[\"$\",\"li\",\"859214\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-1/\",\"children\":\"Chapter 1 General Provisions\"}]}],[\"$\",\"li\",\"859232\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-2/\",\"children\":\"Chapter 2 Aeronautics\"}]}],[\"$\",\"li\",\"859252\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-3/\",\"children\":\"Chapter 3 Agency\"}]}],[\"$\",\"li\",\"859265\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-4/\",\"children\":\"Chapter 4 Agriculture\"}]}],[\"$\",\"li\",\"859448\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-5/\",\"children\":\"Chapter 5 Alcoholic Beverages\"}]}],[\"$\",\"li\",\"859458\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-6/\",\"children\":\"Chapter 6 Banks and Banking\"}]}],[\"$\",\"li\",\"859532\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/cct-7/\",\"children\":\"Chapter 7 Building and Loan Associations\"}]}],[\"$\",\"li\",\"859534\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-8/\",\"children\":\"Chapter 8 Carriage\"}]}],[\"$\",\"li\",\"859570\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-9/\",\"children\":\"Chapter 9 Contracts and Obligations\"}]}],[\"$\",\"li\",\"859609\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-10/\",\"children\":\"Chapter 10 Corporations\"}]}],[\"$\",\"li\",\"859704\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-11/\",\"children\":\"Chapter 11 Counties\"}]}],[\"$\",\"li\",\"859802\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-12/\",\"children\":\"Chapter 12 Corrections, Parole, and Probation\"}]}],[\"$\",\"li\",\"860058\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-13/\",\"children\":\"Chapter 13 Debtor and Creditor Relationship\"}]}],[\"$\",\"li\",\"860088\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-14/\",\"children\":\"Chapter 14 Domestic Relations and Persons\"}]}],[\"$\",\"li\",\"860181\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-15/\",\"children\":\"Chapter 15 Education\"}]}],[\"$\",\"li\",\"860479\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-16/\",\"children\":\"Chapter 16 Elections\"}]}],[\"$\",\"li\",\"860581\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-17/\",\"children\":\"Chapter 17 Energy\"}]}],[\"$\",\"li\",\"860600\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-18/\",\"children\":\"Chapter 18 Fires\"}]}],[\"$\",\"li\",\"860633\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-19/\",\"children\":\"Chapter 19 Foods, Drugs, Oils, and Compounds\"}]}],[\"$\",\"li\",\"860709\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/cct-20/\",\"children\":\"Chapter 20 Game, Fish, and Predators\"}]}],[\"$\",\"li\",\"860747\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-21/\",\"children\":\"Chapter 21 Governmental Finance\"}]}],[\"$\",\"li\",\"860779\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-22/\",\"children\":\"Chapter 22 Guaranty, Indemnity, and Suretyship\"}]}],[\"$\",\"li\",\"860800\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-23/\",\"children\":\"Chapter 23 Health and Safety\"}]}],[\"$\",\"li\",\"860968\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-24/\",\"children\":\"Chapter 24 Highways, Bridges, and Ferries\"}]}],[\"$\",\"li\",\"861007\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-25/\",\"children\":\"Chapter 25 Mental and Physical Illness or Disability\"}]}],[\"$\",\"li\",\"861058\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/cct-26/\",\"children\":\"Chapter 26 Insurance\"}]}],[\"$\",\"li\",\"861267\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-27/\",\"children\":\"Chapter 27 Judicial Branch of Government\"}]}],[\"$\",\"li\",\"861335\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-28/\",\"children\":\"Chapter 28 Judicial Procedure, Civil\"}]}],\"$Lf\",\"$L10\",\"$L11\",\"$L12\",\"$L13\",\"$L14\",\"$L15\",\"$L16\",\"$L17\",\"$L18\",\"$L19\",\"$L1a\",\"$L1b\",\"$L1c\",\"$L1d\",\"$L1e\",\"$L1f\",\"$L20\",\"$L21\",\"$L22\",\"$L23\",\"$L24\",\"$L25\",\"$L26\",\"$L27\",\"$L28\",\"$L29\",\"$L2a\",\"$L2b\",\"$L2c\",\"$L2d\",\"$L2e\",\"$L2f\",\"$L30\",\"$L31\",\"$L32\",\"$L33\",\"$L34\",\"$L35\",\"$L36\",\"$L37\",\"$L38\",\"$L39\",\"$L3a\",\"$L3b\"]}]]}]}],\"$L3c\",\"$L3d\"]}]}]]\n"])</script><script>self.__next_f.push([1,"f:[\"$\",\"li\",\"861417\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-29/\",\"children\":\"Chapter 29 Judicial Procedure, Criminal\"}]}]\n10:[\"$\",\"li\",\"861522\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-30/\",\"children\":\"Chapter 30 Judicial Procedure, Probate\"}]}]\n11:[\"$\",\"li\",\"861661\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-31/\",\"children\":\"Chapter 31 Judicial Proof\"}]}]\n12:[\"$\",\"li\",\"861694\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-32/\",\"children\":\"Chapter 32 Judicial Remedies\"}]}]\n13:[\"$\",\"li\",\"861823\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-33/\",\"children\":\"Chapter 33 County Justice Court\"}]}]\n14:[\"$\",\"li\",\"861847\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-34/\",\"children\":\"Chapter 34 Labor and Employment\"}]}]\n15:[\"$\",\"li\",\"861886\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-35/\",\"children\":\"Chapter 35 Liens\"}]}]\n16:[\"$\",\"li\",\"861967\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-36/\",\"children\":\"Chapter 36 Livestock\"}]}]\n17:[\"$\",\"li\",\"862032\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-37/\",\"children\":\"Chapter 37 Military\"}]}]\n18:[\"$\",\"li\",\"862098\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-38/\",\"children\":\"Chapter 38 Mining and Gas and Oil Production\"}]}]\n19:[\"$\",\"li\",\"862174\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-39/\",\"children\":\"Chapter 39 Motor Vehicles\"}]}]\n1a:[\"$\",\"li\",\"862279\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-40/\",\"children\":\"Chapter 40 Municipal Government\"}]}]\n1b:[\"$\",\"li\",\"859412\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-41/\",\"children\":\"Chapter 4.1 Agriculture\"}]}]\n1c:[\"$\",\"li\",\"862438\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-41/\",\"children\":\"Chapter 41 Uniform Commercial Code\"}]}]\n1d:[\"$\",\"li\",\"862465\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-42/\",\"children\":\"Chapter 42 Nuisances\"}]}]\n1e:[\"$\",\"li\",\"862485\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-43/\",\"children\":\"Chapter 43 Occupations and Professions\"}]}]\n1f:[\"$\",\"li\",\"862642\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-44/\",\"children\":\"Chapter 44 Offices and Officers\"}]}]\n20:[\"$\",\"li\",\"862667\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-45/\",\"children\":\"Chapter 45 Partnerships\"}]}]\n21:[\"$\",\"li\",\"862721\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-46/\",\"children\":\"Chapter 46 Printing Laws\"}]}]\n22:[\"$\",\"li\",\"862733\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-47/\",\"children\":\"Chapter 47 Property\"}]}]\n23:[\"$\",\"li\",\"862824\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-48/\",\"children\":\"Chapter 48 Public Buildings\"}]}]\n24:[\"$\",\"li\",\"862854\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-49/\",\"children\":\"Chapter 49 Public Utilities\"}]}]\n25:[\"$\",\"li\",\"862918\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-50/\",\"children\":\"Chapter 50 Public Welfare\"}]}]\n26:[\"$\",\"li\",\"863036\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-51/\",\"children\":\"Chapter 51 Sales and Exchanges\"}]}]\n27:[\"$\",\"li\",\"863101\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-52/\",\"children\":\"Chapter 52 Social Security\"}]}]\n28:[\"$\",\"li\",\"863135\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-53/\",\"children\":\"Chapter 53 Sports and Amusements\"}]}]\n29:[\"$\",\"li\",\"863182\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-54/\",\"children\":\"Chapter 54 State Government\"}]}]\n2a:[\"$\",\"li\",\"863420\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-55/\",\"children\":\"Chapter 55 State Historical Society and State Parks\"}]}]\n2b:[\"$\",\"li\",\"863439\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/cct-56/\",\"children\":\"Chapter 56 Succession and Wills\"}]}]\n2c:[\"$\",\"li\",\"863442\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-57/\",\"children\":\"Chapter 57 Taxation\"}]}]\n2d:[\"$\",\"li\",\"863663\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-58/\",\"children\":\"Chapter 58 Townships\"}]}]\n2e:[\"$\",\"li\",\"863706\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-59/\",\"children\":\"Chapter 59 Trusts\"}]}]\n2f:[\"$\",\"li\",\"863755\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-da"])</script><script>self.__next_f.push([1,"kota/t-60/\",\"children\":\"Chapter 60 Warehousing and Deposits\"}]}]\n30:[\"$\",\"li\",\"863775\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-61/\",\"children\":\"Chapter 61 Waters\"}]}]\n31:[\"$\",\"li\",\"863895\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/cct-62/\",\"children\":\"Chapter 62 Weapons\"}]}]\n32:[\"$\",\"li\",\"863910\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-63/\",\"children\":\"Chapter 63 Weeds\"}]}]\n33:[\"$\",\"li\",\"863924\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-64/\",\"children\":\"Chapter 64 Weights, Measures, and Grades\"}]}]\n34:[\"$\",\"li\",\"863933\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-65/\",\"children\":\"Chapter 65 Workforce Safety and Insurance\"}]}]\n35:[\"$\",\"li\",\"859952\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-121/\",\"children\":\"Chapter 12.1 Criminal Code\"}]}]\n36:[\"$\",\"li\",\"860400\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-151/\",\"children\":\"Chapter 15.1 Elementary and Secondary Education\"}]}]\n37:[\"$\",\"li\",\"860536\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-161/\",\"children\":\"Chapter 16.1 Elections\"}]}]\n38:[\"$\",\"li\",\"860710\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-201/\",\"children\":\"Chapter 20.1 Game, Fish, Predators, and Boating\"}]}]\n39:[\"$\",\"li\",\"861060\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-261/\",\"children\":\"Chapter 26.1 Insurance\"}]}]\n3a:[\"$\",\"li\",\"861578\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-301/\",\"children\":\"Chapter 30.1 Uniform Probate Code\"}]}]\n3b:[\"$\",\"li\",\"863897\",{\"children\":[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/t-621/\",\"children\":\"Chapter 62.1 Weapons\"}]}]\n3e:T2e1b,"])</script><script>self.__next_f.push([1,"\u003ca href=\"https://law.justia.com/codes/north-dakota/2009/t261/pdf/t261c39.pdf\"\u003eDownload pdf\u003c/a\u003e\u003cbr\u003e\u003cdiv id=\"embed_document\" style=\"width:625px; height:815px; text-align:center;\"\u003eLoading PDF...\u003c/div\u003e\u003cscript type=\"text/javascript\"\u003e var pdf_url = 'https://law.justia.com/codes/north-dakota/2009/t261/pdf/t261c39.pdf'; $(document).ready(function() { var embedwindow = $(\"#embed_document\"); if ($.browser.msie){ embedwindow.html('\u003cembed src=\"'+pdf_url+'\" width=\"100%\" height=\"100%\"\u003e\u003c/embed\u003e'); } else { embedwindow.html('\u003ciframe style=\"width:100%; height:100%;\" src=\"https://docs.google.com/gview?url='+window.escape(pdf_url)+'\u0026embedded=true\" frameborder=\"0\"\u003e\u003c/iframe\u003e'); } });\u003c/script\u003e\u003cbr\u003e\u003cbr\u003e\u003cnoframes\u003eCHAPTER 26.1-39PROPERTY AND CASUALTY INSURANCE26.1-39-01. Rescission of fire insurance contract for alteration increasing risk. Analteration in the use or condition of a thing insured from that to which it is limited by the policy, if\u003cbr\u003emade without the consent of the insurer, by means within the control of the insured, and if it\u003cbr\u003eincreases the risk, entitles an insurer to rescind a fire insurance contract.26.1-39-02.Rescission of fire contract not permitted if risk not increased.Analteration in the use or condition of a thing insured from that to which it is limited by the policy,\u003cbr\u003ewhich does not increase the risk, does not affect a fire insurance contract.26.1-39-03. When fire contract unaffected though risk increased. A fire insurancecontract is not affected by any act of the insured subsequent to the execution of the policy, if the\u003cbr\u003eact does not violate its provisions, even though it increases the risk and is the cause of a loss.26.1-39-04. Measure of indemnity on fire policy. If there is no valuation in the policy,the measure of indemnity in an insurance against fire is the full amount stated in the policy. If\u003cbr\u003ethere is a valuation in the policy, the valuation is conclusive between the parties in the adjustment\u003cbr\u003eeither of a partial or a total loss if the insured has some interest at risk and there is no fraud on\u003cbr\u003ethe insured's part. In the event of a partial loss, the insurer is liable only for the proportion of the\u003cbr\u003eamount insured as the loss bears to the value of the whole interest of the insured in the property\u003cbr\u003einsured. A valuation fraudulent in fact, however, entitles the insurer to rescind the contract. The\u003cbr\u003eprovisions of this section may not be construed as a revocation of any of the rights of insurers\u003cbr\u003edelineated in section 26.1-39-05.26.1-39-05. Face of policy to be paid in case of covered loss.1.Whenever any insurance policy is written or renewed to insure any real property in\u003cbr\u003ethis state, including structures owned by persons other than the insured, against loss\u003cbr\u003ecaused by or resulting from any covered cause of loss and the insured property is\u003cbr\u003ewholly or completely destroyed by any covered cause of loss without fraud on the\u003cbr\u003epart of the insured or the insured's assigns, the amount of the insurance written in\u003cbr\u003ethe policy is the true value of the property insured and the true amount of loss and\u003cbr\u003emeasure of damages, subject to the following conditions:a.If the covered loss occurred within ninety days after the policy was issued or\u003cbr\u003ewithin ninety days after the policy limits were increased by twenty-five percent\u003cbr\u003eor more at the insured's request, the loss payable to the insured for covered\u003cbr\u003eloss incurred during the first ninety days is the full value of the policy, or the\u003cbr\u003eactual cash value or replacement cost of the property, whichever is less. This\u003cbr\u003esubsection does not apply to unchanged renewal policies or policies with\u003cbr\u003einflation adjustment limits.b.Builder risk policies of insurance covering property in the process of being\u003cbr\u003econstructed must be valued and settled according to the actual value of that\u003cbr\u003eportion of construction completed at the time of any covered cause of loss.c.In case of double insurance, each insurer shall contribute proportionally toward\u003cbr\u003ethe loss without regard to the dates of the insurance policies.2.This section does not apply as to personal property or any interest therein.3.This section does not apply to any claim for loss of an appurtenant structure or\u003cbr\u003eseparate structure. Any claim for loss of an appurtenant or separate structure must\u003cbr\u003ebe settled for actual replacement cost or actual cash value, depending on the policy\u003cbr\u003eprovisions applicable to the structure, unless an appurtenant or separate structure isPage No. 1individually described in the policy and a value is assigned to that specific structure\u003cbr\u003ebefore the loss.26.1-39-06.Standard fire insurance policy.No fire insurance contract or policy,including a renewal, may be made, issued, used, or delivered by any insurer or by any insurance\u003cbr\u003eproducer or representative of the insurer on property in this state other than such as conform in\u003cbr\u003eall particulars as to blanks, size of type, context, provisions, agreements, and conditions with the\u003cbr\u003e1943 standard fire insurance policy of the state of New York, a copy of which must be filed in the\u003cbr\u003eoffice of the commissioner as the standard policy for this state.The cancellation provisionscontained in the standard policy are superseded to the extent sections 26.1-39-10 through\u003cbr\u003e26.1-39-21 are inconsistent with the provisions.No other or different provision, agreement,condition, or clause may be made a part of the contract or policy or be endorsed on the contract\u003cbr\u003eor policy or delivered with the contract or policy, except as follows:1.The name of the insurer, its location and place of business, the date of its\u003cbr\u003eincorporation or organization, and the state or county under which the insurer is\u003cbr\u003eorganized, the amount of paid-up capital stock, whether it is a stock or mutual\u003cbr\u003ecompany, the names of its officers, the number and the date of the policy, and\u003cbr\u003eappropriate company emblems may be printed on policies issued on property in this\u003cbr\u003estate; provided, however, that any insurer organized under special charter provisions\u003cbr\u003emay so indicate upon its policy and may add a statement of the plan under which it\u003cbr\u003eoperates in this state.2.Printed or written forms of description and specifications or schedules of the property\u003cbr\u003ecovered by any particular policy and any other matter necessary to express clearly\u003cbr\u003eall the facts and conditions of insurance on any particular risk, which facts or\u003cbr\u003econditions may not be inconsistent with or a waiver of any of the provisions or\u003cbr\u003econditions of the standard policy, may be written upon or attached or appended to\u003cbr\u003eany policy issued on property in this state.Appropriate forms of contracts,supplemental contracts, or endorsements, by which the interest in the property\u003cbr\u003edescribed is insured against one or more of the perils which the insurer is\u003cbr\u003eempowered to assume, may be used in connection with the standard policy. The\u003cbr\u003eforms of contracts, supplemental contracts, or endorsements attached or printed on\u003cbr\u003ethe policy may contain provisions and stipulations inconsistent with the standard\u003cbr\u003epolicy if applicable only to the other perils. The first page of the standard policy may\u003cbr\u003ebe rearranged to provide space for the listing of rates and premiums for coverages\u003cbr\u003einsured under the policy or under endorsements attached or printed on the policy,\u003cbr\u003eand such other data as may be included for duplication on daily reports for office\u003cbr\u003erecords.3.An insurer, if entitled to do business in this state, may with the approval of the\u003cbr\u003ecommissioner, if not already included in the standard form as filed with the\u003cbr\u003ecommissioner, print on its policies any provision which it is required by law to insert\u003cbr\u003ein the policies if the provision is not in conflict with the laws of this state or the United\u003cbr\u003eStates, or of the provisions of the standard policy, but the provision must be printed\u003cbr\u003eapart from the other provisions, agreements, or conditions of the policy and in type\u003cbr\u003enot smaller than the body of the policy and a separate title, as follows: \u0026quot;Provisions\u003cbr\u003erequired by law to be stated in this policy\u0026quot;, and must be a part of the policy.4.A commercial insurance policy providing coverage for fire insurance in accordance\u003cbr\u003ewith this section may exclude coverage for loss by fire insured against if the fire is\u003cbr\u003ecaused directly or indirectly by terrorism.5.There may be endorsed in writing on the outside of any policy the name, with the\u003cbr\u003eword \u0026quot;Producer or Producers\u0026quot; and place of business, of any insurance producer or\u003cbr\u003eproducers. There may also be added, with the approval of the commissioner, a\u003cbr\u003estatement of the group of companies with which the insurer is financially affiliated.Page No. 26.When two or more insurers, each having previously complied with the laws of this\u003cbr\u003estate, unite to issue a joint policy, there may be expressed in the head line of each\u003cbr\u003epolicy the fact of the severalty of the contract; also the proportion of premiums to be\u003cbr\u003epaid to each insurer and the proportion of liability which each insurer agrees to\u003cbr\u003eassume. And in the printed conditions of the policy the necessary change may be\u003cbr\u003emade from the singular to plural number, when reference is had to the insurers\u003cbr\u003eissuing such policy.7.With the approval of the commissioner, a combined farm policy may be used, the\u003cbr\u003efire portion of which must be substantially in accord with the standard policy.8.The standard policy is an interest policy and must be so construed as to at all times\u003cbr\u003eprotect the interest, whatever it may be, of any named insured. Provided, however,\u003cbr\u003ethat a five-day grace period is allowed after the execution of any written instrument\u003cbr\u003etransferring interest in insured property during which full protection must be granted\u003cbr\u003eunder the terms of the policy.9.In case of other coverage on the same peril, the liability of each insurer may not be\u003cbr\u003efor any greater amount or proportion of the loss than the ratio such insurance bears\u003cbr\u003eto the valid and collectible whole insurance covering the property against the peril\u003cbr\u003einvolved.10.No contract or policy issued under this section may contain a limitation of less than\u003cbr\u003ethree years for the bringing of any suit or action under the contract or policy.11.This section does not apply to inland marine, ocean marine, or automobile\u003cbr\u003einsurance.26.1-39-07. Standard fire policy - Loss or damage caused by nuclear reaction. Aninsurer issuing the standard policy pursuant to section 26.1-39-06 may affix to the policy or\u003cbr\u003einclude in the policy a written statement that the policy does not cover loss or damage caused by\u003cbr\u003enuclear reaction or nuclear radiation or radioactive contamination, all whether directly or indirectly\u003cbr\u003eresulting from an insured peril under the policy. An insurer may attach to the standard policy an\u003cbr\u003eendorsement or endorsements specifically assuming coverage for loss or damage caused by\u003cbr\u003enuclear reaction or nuclear radiation or radioactive contamination.26.1-39-08. Construction of standard fire policy. The standard policy is a valuedpolicy as defined under section 26.1-30-03.An insurance policy in the form prescribed bysection 26.1-39-06 is subject to the rules of construction as to its effect or the waiver of any of its\u003cbr\u003eprovisions which would apply if the form had not been prescribed.26.1-39-09. Nonstandard fire policy. The commissioner may approve for use in thisstate a form of policy which does not correspond to the standard policy as provided by section\u003cbr\u003e26.1-39-06; provided, that the coverage of the approved policy form with respect to the peril of\u003cbr\u003efire may not be less than that contained in the standard policy.26.1-39-09.1. Certain property and casualty insurance programs to be marketedthrough resident agents or brokers - Service fee. Repealed by S.L. 1999, ch. 252,"])</script><script>self.__next_f.push([1,"3c:[\"$\",\"article\",null,{\"className\":\"article-content\",\"children\":[[\"$\",\"header\",null,{\"className\":\"article-header\",\"children\":[[\"$\",\"$Le\",null,{\"href\":\"/north-dakota/\",\"className\":\"article-category\",\"children\":[\"North Dakota\",\" Statutes\"]}],[\"$\",\"h1\",null,{\"className\":\"article-title\",\"children\":\"26.1-39 Property and Casualty Insurance\"}]]}],[\"$\",\"div\",null,{\"className\":\"article-body statute-content\",\"dangerouslySetInnerHTML\":{\"__html\":\"$3e\"}}],false]}]\n"])</script><script>self.__next_f.push([1,"3d:[\"$\",\"aside\",null,{\"className\":\"right-sidebar\",\"children\":[\"$\",\"div\",null,{\"className\":\"related-sidebar\",\"children\":[[\"$\",\"h3\",null,{\"children\":[[\"$\",\"span\",null,{\"className\":\"emoji\",\"children\":\"⚖️\"}],\" State Laws\"]}],[\"$\",\"ul\",null,{\"className\":\"state-laws-list\",\"children\":[[\"$\",\"li\",\"state-of-alabama\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-alabama\",\"children\":[\"The State Laws of \",\"Alabama\"]}]}],[\"$\",\"li\",\"state-of-alaska\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-alaska\",\"children\":[\"The State Laws of \",\"Alaska\"]}]}],[\"$\",\"li\",\"state-of-arizona\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-arizona\",\"children\":[\"The State Laws of \",\"Arizona\"]}]}],[\"$\",\"li\",\"state-of-arkansas\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-arkansas\",\"children\":[\"The State Laws of \",\"Arkansas\"]}]}],[\"$\",\"li\",\"state-of-california\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-california\",\"children\":[\"The State Laws of \",\"California\"]}]}],[\"$\",\"li\",\"state-of-colorado\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-colorado\",\"children\":[\"The State Laws of \",\"Colorado\"]}]}],[\"$\",\"li\",\"state-of-connecticut\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-connecticut\",\"children\":[\"The State Laws of \",\"Connecticut\"]}]}],[\"$\",\"li\",\"state-of-delaware\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-delaware\",\"children\":[\"The State Laws of \",\"Delaware\"]}]}],[\"$\",\"li\",\"state-of-florida\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-florida\",\"children\":[\"The State Laws of \",\"Florida\"]}]}],[\"$\",\"li\",\"state-of-georgia\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-georgia\",\"children\":[\"The State Laws of \",\"Georgia\"]}]}],[\"$\",\"li\",\"state-of-hawaii\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-hawaii\",\"children\":[\"The State Laws of \",\"Hawaii\"]}]}],[\"$\",\"li\",\"state-of-idaho\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-idaho\",\"children\":[\"The State Laws of \",\"Idaho\"]}]}],[\"$\",\"li\",\"state-of-illinois\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-illinois\",\"children\":[\"The State Laws of \",\"Illinois\"]}]}],[\"$\",\"li\",\"state-of-indiana\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-indiana\",\"children\":[\"The State Laws of \",\"Indiana\"]}]}],[\"$\",\"li\",\"state-of-iowa\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-iowa\",\"children\":[\"The State Laws of \",\"Iowa\"]}]}],[\"$\",\"li\",\"state-of-kansas\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-kansas\",\"children\":[\"The State Laws of \",\"Kansas\"]}]}],[\"$\",\"li\",\"state-of-kentucky\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-kentucky\",\"children\":[\"The State Laws of \",\"Kentucky\"]}]}],[\"$\",\"li\",\"state-of-louisiana\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-louisiana\",\"children\":[\"The State Laws of \",\"Louisiana\"]}]}],[\"$\",\"li\",\"state-of-maine\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-maine\",\"children\":[\"The State Laws of \",\"Maine\"]}]}],[\"$\",\"li\",\"state-of-maryland\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-maryland\",\"children\":[\"The State Laws of \",\"Maryland\"]}]}],[\"$\",\"li\",\"state-of-massachusetts\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-massachusetts\",\"children\":[\"The State Laws of \",\"Massachusetts\"]}]}],[\"$\",\"li\",\"state-of-michigan\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-michigan\",\"children\":[\"The State Laws of \",\"Michigan\"]}]}],[\"$\",\"li\",\"state-of-minnesota\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-minnesota\",\"children\":[\"The State Laws of \",\"Minnesota\"]}]}],[\"$\",\"li\",\"state-of-mississippi\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-mississippi\",\"children\":[\"The State Laws of \",\"Mississippi\"]}]}],[\"$\",\"li\",\"state-of-missouri\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-missouri\",\"children\":[\"The State Laws of \",\"Missouri\"]}]}],\"$L3f\",\"$L40\",\"$L41\",\"$L42\",\"$L43\",\"$L44\",\"$L45\",\"$L46\",\"$L47\",\"$L48\",\"$L49\",\"$L4a\",\"$L4b\",\"$L4c\",\"$L4d\",\"$L4e\",\"$L4f\",\"$L50\",\"$L51\",\"$L52\",\"$L53\",\"$L54\",\"$L55\",\"$L56\",\"$L57\"]}]]}]}]\n"])</script><script>self.__next_f.push([1,"3f:[\"$\",\"li\",\"state-of-montana\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-montana\",\"children\":[\"The State Laws of \",\"Montana\"]}]}]\n40:[\"$\",\"li\",\"state-of-nebraska\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-nebraska\",\"children\":[\"The State Laws of \",\"Nebraska\"]}]}]\n41:[\"$\",\"li\",\"state-of-nevada\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-nevada\",\"children\":[\"The State Laws of \",\"Nevada\"]}]}]\n42:[\"$\",\"li\",\"state-of-new-hampshire\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-new-hampshire\",\"children\":[\"The State Laws of \",\"New Hampshire\"]}]}]\n43:[\"$\",\"li\",\"state-of-new-jersey\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-new-jersey\",\"children\":[\"The State Laws of \",\"New Jersey\"]}]}]\n44:[\"$\",\"li\",\"state-of-new-mexico\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-new-mexico\",\"children\":[\"The State Laws of \",\"New Mexico\"]}]}]\n45:[\"$\",\"li\",\"state-of-new-york\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-new-york\",\"children\":[\"The State Laws of \",\"New York\"]}]}]\n46:[\"$\",\"li\",\"state-of-north-carolina\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-north-carolina\",\"children\":[\"The State Laws of \",\"North Carolina\"]}]}]\n47:[\"$\",\"li\",\"state-of-north-dakota\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-north-dakota\",\"children\":[\"The State Laws of \",\"North Dakota\"]}]}]\n48:[\"$\",\"li\",\"state-of-ohio\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-ohio\",\"children\":[\"The State Laws of \",\"Ohio\"]}]}]\n49:[\"$\",\"li\",\"state-of-oklahoma\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-oklahoma\",\"children\":[\"The State Laws of \",\"Oklahoma\"]}]}]\n4a:[\"$\",\"li\",\"state-of-oregon\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-oregon\",\"children\":[\"The State Laws of \",\"Oregon\"]}]}]\n4b:[\"$\",\"li\",\"state-of-pennsylvania\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-pennsylvania\",\"children\":[\"The State Laws of \",\"Pennsylvania\"]}]}]\n4c:[\"$\",\"li\",\"state-of-rhode-island\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-rhode-island\",\"children\":[\"The State Laws of \",\"Rhode Island\"]}]}]\n4d:[\"$\",\"li\",\"state-of-south-carolina\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-south-carolina\",\"children\":[\"The State Laws of \",\"South Carolina\"]}]}]\n4e:[\"$\",\"li\",\"state-of-south-dakota\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-south-dakota\",\"children\":[\"The State Laws of \",\"South Dakota\"]}]}]\n4f:[\"$\",\"li\",\"state-of-tennessee\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-tennessee\",\"children\":[\"The State Laws of \",\"Tennessee\"]}]}]\n50:[\"$\",\"li\",\"state-of-texas\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-texas\",\"children\":[\"The State Laws of \",\"Texas\"]}]}]\n51:[\"$\",\"li\",\"state-of-utah\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-utah\",\"children\":[\"The State Laws of \",\"Utah\"]}]}]\n52:[\"$\",\"li\",\"state-of-vermont\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-vermont\",\"children\":[\"The State Laws of \",\"Vermont\"]}]}]\n53:[\"$\",\"li\",\"state-of-virginia\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-virginia\",\"children\":[\"The State Laws of \",\"Virginia\"]}]}]\n54:[\"$\",\"li\",\"state-of-washington\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-washington\",\"children\":[\"The State Laws of \",\"Washington\"]}]}]\n55:[\"$\",\"li\",\"state-of-west-virginia\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-west-virginia\",\"children\":[\"The State Laws of \",\"West Virginia\"]}]}]\n56:[\"$\",\"li\",\"state-of-wisconsin\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https://state-laws.laws.com/state-of-wisconsin\",\"children\":[\"The State Laws of \",\"Wisconsin\"]}]}]\n57:[\"$\",\"li\",\"state-of-wyoming\",{\"children\":[\"$\",\"a\",null,{\"href\":\"https:"])</script><script>self.__next_f.push([1,"//state-laws.laws.com/state-of-wyoming\",\"children\":[\"The State Laws of \",\"Wyoming\"]}]}]\n"])</script></body></html>