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After severe weather strikes, many home and business owners need to file insurance claims.
Before submitting a claim, determine whether the benefits of filing a claim for the damage outweigh the costs (often called a cost-benefit analysis). Make sure you consider your deductible as part of that analysis. The amount of your damage could be less than or close to your deductible. Then, determine if a claim will be beneficial to your situation. A reported claim could affect your future premium or ability to get coverage.
The Oregon Division of Financial Regulation provides free help for people who need to:
If the consumer advocates have not been able to provide you with a resolution by phone, which addresses your specific concerns, a consumer can file a
In 2020, the Division of Financial Regulation helped more than 13,600 Oregonians with insurance claims and recovered more than $2.8 million from insurance companies on behalf of Oregonians.
Your homeowners policy does not cover earth movement, which includes landslides, mudflows, and erosion. You can usually add earthquake coverage for an additional premium. However, earthquake insurance does not cover a loss caused by landslides or erosion. Specialty coverage for landslides may be available; contact your insurance agent.
dfr.oregon.gov/preparenow to learn more about protecting your home before disaster strikes.
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