Division of Financial Regulation’s Advocacy Team ready to help with wildfire
Salem – With the Mosier Creek wildfire burning in the Columbia River Gorge,
the Oregon Division of Financial Regulation has a dedicated team of consumer
advocates who can help answer people’s questions about their insurance coverage
or the claims process.
Call 888-877-4894 (toll-free) or go to https://dfr.oregon.gov/help/Pages/index.aspx .
The division, part of the Oregon Department of Consumer and Business Services,
also has several tips for homeowners and renters who have been affected by
fire, smoke, or ash damage.
- Insurance companies may pay for additional living expenses (hotel, meals,
and more) due to fire evacuation. Check with your insurance company to confirm
your specific coverage. Keep all receipts, and call your insurance company
or agent as soon as it is safe to do so to let them know you evacuated. Fire
damage to a vehicle can be covered through an auto policy if you have elected
- If you have damage to your personal belongings, your insurance company
will request an inventory of the damaged/destroyed items. Be prepared to
provide the adjuster with a list, including the item, the age, the approximate
original cost, and the approximate replacement cost. Do not dispose of the
damaged items until an adjuster can view them. Take photos of the damaged
- If you file a fire-loss claim with your insurance company, your insurer
may require a damage inspection before you start repairs. Take steps to prevent
further damage or theft and check with your insurance company before beginning
- After the investigation is completed and the insurance company is ready
to settle your claim, the adjuster will pay your claim in two steps. The
first step will be to pay for repairs at an actual cash value basis. This
means that the cost of the repair will be less than the full amount needed
to do the job. Once the repairs are completed, the company will reimburse
you the difference between the actual cash value and the full repair cost.
You will have a deductible that normally is paid to the contractor.
- Damage to a vehicle, even when parked in a garage, is not covered under
a homeowners policy. The comprehensive coverage in your auto policy pays
for the damages to a vehicle.
- Renters insurance covers your belongings and personal liability in much
the same way that a homeowners policy does. Typically, the building owner’s
policy covers the building you live in, but does not offer any protection
for your property, your cost to find other housing, or your personal liability.
- If your home is damaged due to fire or smoke, and you cannot keep your
pets with you, most policies will pay for your pets to be boarded while the
repairs are under way.
For more resources, go to https://dfr.oregon.gov/insure/home/storm/Pages/wildfires.aspx .
About DCBS: The Department of Consumer and Business Services is Oregon's largest
business regulatory and consumer protection agency. For more information, visit www.dcbs.oregon.gov.
About Oregon DFR:
The Division of Financial Regulation is part of the Department of Consumer
and Business Services, Oregon’s largest business regulatory and consumer protection
agency. Visit www.dcbs.oregon.gov and http://dfr.oregon.gov/Pages/index.aspx.