North Dakota § 26.1-39-16 Notification and statement of reasons for nonrenewal of property and casualty policies

North Dakota Statutes

§ 26.1-39-16 — Notification and statement of reasons for nonrenewal of property and casualty policies

North Dakota § 26.1-39-16

Title 26.1Insurance

Ch. 26.1-39Property and Casualty Insurance

This text of North Dakota § 26.1-39-16 (Notification and statement of reasons for nonrenewal of property and casualty policies) is published on Counsel Stack Legal Research, covering North Dakota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

N.D. Cent. Code § 26.1-39-16 (2026).

Text

casualty policies.

1.An insurer shall renew a property insurance policy unless a written notice of nonrenewal is mailed or delivered to the named insured, at the last-known address of the named insured, at least forty-five days before the expiration date of the policy, except if the policy provides professional liability coverage for legal and medical services, the nonrenewal notice must be mailed or delivered at least ninety days before the policy expiration date. Conclusive proof of mailing and receipt on the third calendar day after the mailing of the notice is established if the insurer produces:

a.A United States postal service certificate of mailing to the named insured at the insured's last-known address; or

b.Proof or acknowledgment of United States postal service mailing to th

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casualty policies.
1. An insurer shall renew a property insurance policy unless a written notice of
nonrenewal is mailed or delivered to the named insured, at the last-known address of
the named insured, at least forty-five days before the expiration date of the policy,
except if the policy provides professional liability coverage for legal and medical
services, the nonrenewal notice must be mailed or delivered at least ninety days
before the policy expiration date. Conclusive proof of mailing and receipt on the third
calendar day after the mailing of the notice is established if the insurer produces:

a. A United States postal service certificate of mailing to the named insured at the
insured's last-known address; or
b. Proof or acknowledgment of United States postal service mailing to the named
insured at the insured's last-known address using:
(1) IMb tracing; or
(2) A similar method of first-class mail tracking which identifies the named
insured, the insured's last-known address, and the date of mailing.
2. The insurer shall include a statement of the reasons for a nonrenewal with the notice
or shall furnish it upon the written request of the insured. The written request must be
mailed or delivered to the insurer at least ten days prior to the expiration date of the
policy. The insurer shall comply with such a request within ten days after receipt
thereof.
3. No notice of intention not to renew is required when the named insured is given notice
of the insurer's willingness to renew the policy by the mailing or delivering of a renewal
notice, bill, certificate, or policy. If notice as required by this subsection is not provided,
coverage is deemed to be renewed for the ensuing policy period upon payment of the
appropriate premium under the same terms and conditions, and subject to
subsection 1 of section 26.1-39-13, until the named insured has accepted the
replacement coverage with another insurer or until the named insured has agreed to
the nonrenewal.
4. Proof of mailing a notice of intention not to renew or business records of the notice of
the insurer's willingness to renew must be retained for a period of not less than one
year by the insurer or insurance producer giving the notice.