Finding Insurance After a Wildfire Claim in Oregon
If your home insurance was cancelled or non-renewed after a wildfire claim in Oregon, you're not alone. Prineville Insurance has helped many Central Oregon homeowners find replacement coverage after difficult claims experiences. We know which carriers will work with you.
What Happens After a Wildfire Claim
After a wildfire claim, your insurance situation may change significantly:
- Your carrier may non-renew your policy at the next renewal
- Your premium may increase substantially
- You may be placed in a higher-risk category
- Some carriers may decline to write new coverage
- You may need to explore specialty or surplus lines markets
Your Rights as an Oregon Policyholder
Oregon law provides important protections for homeowners after a wildfire claim:
- Carriers must provide 45 days notice before non-renewal
- You have the right to appeal a non-renewal decision
- The Oregon FAIR Plan must accept you if standard carriers won't
- Carriers cannot cancel mid-term solely due to wildfire risk (with some exceptions)
Finding New Coverage After a Wildfire Claim
Prineville Insurance can help you navigate this challenging situation:
- We work with specialty carriers who accept homes with prior wildfire claims
- We access surplus lines markets when standard carriers decline
- We help you document mitigation measures to improve your application
- We explain the Oregon FAIR Plan as a backup option
- We advocate for you throughout the process
Ready to Get Coverage?
Prineville Insurance has been serving Central Oregon since 1935. Call us or get a free quote online.
Frequently Asked Questions
Can I get home insurance after a wildfire claim in Oregon?
Yes, though it may require working with specialty carriers or the Oregon FAIR Plan. Prineville Insurance specializes in finding coverage for homeowners who have had wildfire claims. Call (541) 447-6372 for help.
How long will a wildfire claim affect my insurance rates?
Wildfire claims typically affect your insurance rates for 3–5 years. During this time, you may pay higher premiums or have limited carrier options. Prineville Insurance can help you find the most competitive rates given your claims history.
What is the Oregon FAIR Plan and when should I use it?
The Oregon FAIR Plan is a state-mandated program providing basic fire coverage for properties that can't get standard insurance. It should be a last resort — Prineville Insurance will exhaust all specialty and surplus lines options before recommending the FAIR Plan.
What should I do if I receive a non-renewal notice after a wildfire claim?
Act immediately. You typically have 45 days before your coverage expires. Call Prineville Insurance at (541) 447-6372 right away so we can find replacement coverage before your policy lapses.
