Oregon · Insurance
Property and casualty: home, auto, flood and wind coverage. Oregon articles from the regional hub.
Stuck on a claim or a billing problem with an Oregon insurer? The Division of Financial Regulation's consumer advocates are free. Here's how to file and what happens next.
Oregon DFR says most insurance policies do not cover flood, including after a wildfire. A new NFIP policy generally takes 30 days to start.
Oregon liability under ORS 806.070 is 25/50/20. ODOT also requires $15,000 PIP per person and uninsured motorist coverage of at least 25/50.
DFR says many Oregon home policies pay additional living expenses if you cannot live in the house, then pay actual cash value first and replacement cost after you repair. A claim can count even when nothing is paid.
Oregon's FAIR Plan is the last-resort property policy after two standard insurers decline you. Coverage is thinner, premiums are often higher, and the residential limit is $600,000.
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