26.1-39-09.3. Fire protection class - Dispute

26.1-39-09.3. Fire protection class - Dispute 1. This section applies to an insurance policy issued or renewed to insure real property in this state. 2. Within thirty days following quoting, issuing, or renewing of the policy, the insured may assert a fire protection class which differs from the class identified by the insurer and the insurer shall implement this class. The insured shall present to the insurer a credible basis for the assertion supported by factual information. 3. Within ninety days following receipt of the assertion by an insured, the insurer may investigate the assertion and: a. Change the fire protection class, effective from the date of issuance or renewal; or b. Document the basis for the original class and implement the original class effective from the date of issuance or renewal. 4. After making a determination under subsection 3, the insurer shall inform the insured of the determination.