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Insurance Commissioner Andrew Stolfi and his staff share insurance information and answer questions during the virtual Wildfire Insurance Town Hall.
If you are affected by the Oregon wildfires, contact your insurance company as soon as possible to discuss your current situation and learn about next steps. If you still have questions or concerns, the division’s consumer advocates are here to help. Call 888-877-4894 (toll-free) or visit
dfr.oregon.gov/help to connect with the Advocacy Team.
Recovering from wildfire takes time, but the information below will help you save time, money, and stress at each stage of the recovery process.
If you are part of a mandatory evacuation:
If you are on alert to evacuate:
Many homeowners and renters insurance policies help pay for extra expenses
if you are unable to live in your home. This payment is called additional living
expenses, or ALE. Every company handles these expenses differently. Check with
your company for specifics.
ALE fact sheet
If you receive an advance payment from your insurance company, be sure to
understand what it covers.
Advance payments usually cover additional living expenses or a portion of
the personal property settlement.
Regardless of what it covers, the payment is not a grant. Your final payment
will be reduced by the amount of the advance. It is OK to accept an advance payment.
It will help cover some early expenses, just be sure to understand what it covers.
Before you do any cleanup, or hire anyone to clean up wildfire debris,
review the guidance from the Oregon Department of Environmental Quality . Remember to work closely with your insurance company in this clean-up process.
Every policy has deductibles. This is the amount you pay to help cover the
claim. Everyone’s case is unique, so contact your insurance company for the
details of your specific policy coverage. Be sure to understand how your deductible
applies to your claim.
You should not be rushed or pressured during your insurance claim process.
You have a right to see the full settlement evaluation, look at the bid, get
comparable value information, and take your time.
If you are feeling pressure from your insurance company to settle, you have
a right to file a complaint online at dfr.oregon.gov. To talk to a consumer
advocate, call 888-877-4894 (toll-free).
Before hiring an attorney or public adjuster, determine if they are the right
person for your situation. They will charge a fee based on your settlement
amount. Typically, it is better to work with your insurance company to understand
your responsibilities and the settlement process. If you are confused about
your responsibilities and the process, call our consumer advocates for clarity.
Do not be a victim of scammers. The Oregon Construction Contractors Board
licenses construction contractors. Before hiring a contractor, check the license and
review the board’s Buyer
You can also check
the license of the person or company you are working with on new
investments, buying insurance, or applying for a payday loan.
Press the avoid scams button below for more information.
Your mortgage still has to be paid. Inform your mortgage servicer that you
have been affected by wildfire. Your mortgage servicer can work with you and
your insurance company to manage insurance payments. Checks may be written
to both you and the mortgage company. Make sure your insurance company has
the correct mortgage servicer on file.
Many manufactured home insurance policies are based on the actual cash value
of the home. The settlement for a total loss of a manufactured home will typically
be either the limits of the policy or the current sales price of a similar
manufactured home (same year, make, and model). The policy may also have
contents coverage for personal belongings and some additional living expenses.
To find a title to a manufactured home, visit the Oregon
Building Codes Division website .
Damage to most vehicles is not covered under a homeowners policy. Comprehensive
coverage on your auto policy will pay for damage (minus any deductible) caused
by fire, smoke, or ash.
If your insurance company needs your car title and you no longer have access
to it, your insurance company should work with Driver and Motor Vehicles (DMV)
or your auto lender to get proof of ownership. You may need to sign a DMV power-of-attorney
form to release your car title to your insurance company.
The wildfire season has been extreme, and insurance companies are doing the
best they can to serve their customers. Be patient, do the best you can, keep
trying, and know that your settlement could take months while bids and estimates
are gathered. If you believe you are not making progress with your insurance
company or have an unresolved issue, call our consumer advocates for help at
Do all that you can to help the process. Take time to do your inventory. Details
will come back to you at any time, so carry a note pad and a pen to jot down
the items as you remember them. Ask friends, family, and neighbors to help you
remember details. As you walk through stores or drive through a commercial area,
you may be reminded of items like kitchen utensils or hand tools. Keep building
your inventory list with more details.
The Oregon Department of Consumer and Business Services issued a temporary emergency order in response to the Oregon wildfires. It requires insurance companies to extend grace periods for premium payments, postpone policy cancellations and nonrenewals, and extend deadlines for reporting claims.
If you have questions about your insurance coverage, contact your provider. If you have questions or need to
file a complaint on an insurance company or agent, contact the division’s advocacy team at 888-877-4894 (toll-free) or email: email@example.com.
Press the buttons below to learn more about building a home inventory, gathering important documents, and preparing your family and finances for disaster.
Follow these easy steps to get started:
Tip: Try to group similar items together when taking pictures.
Learn more about
creating a home inventory.
home inventory checklist.
Mobile apps can make creating your home inventory easier. Download myHome Scr.App.book to start building your personal property list.
Download myHome Scr.APP.book for iPhone®
Download myHome Scr.APP.book for Android®
Call our consumer advocates at 888-877-4894 (toll-free), or email
Has building a home inventory saved you or someone you know during a disaster? Share your story with us on Twitter or Facebook.
File a complaint online or contact us:
Always verify that the company or individual you are working with has a license.
Check a license now.
Find licensed payday and title lenders.
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