North Dakota Century Code Title 26.1. Insurance § 26.1-22-17. Losses--Limitation

1. All losses by the perils insured against under this chapter must be paid out of the fund in an amount not exceeding the amount of the insurance upon any particular risk. The loss upon any building or property insured in the fund, whether totally destroyed or partially damaged by the perils, must be adjusted by the office, authorized adjuster, or adjusting company. All loss adjustment expenses must be included as part of the loss and must be paid from the fund.

2. Immediately after an event causing loss or damage, the insured shall notify the office in a manner prescribed by the office. The notification must include a description of the property, the amount of insurance carried, the probable amount of loss or damage, and the probable cause of loss or damage. The insured may not disturb the property except as provided in the policy until the office or the office's agent has adjusted the loss or has given notice that the information on which the adjustment is to be made has been secured.

3. Allowances for loss or damage must be paid from the fund.