2020 Oregon Wildfires – Insurance Claim and Recovery Help
The Almeda Fire, Beachie Creek Fire, Lionshead Fire, Riverside Fire, Archie Creek Fire, Slater Fire, and Holiday Farm Fire have affected thousands of Oregon residents. Through our Roadmap to Recovery program, you can access free, trustworthy help navigating the process of returning to a wildfire damaged area, repairing and replacing damaged and destroyed property, and collecting all available insurance funds.
If your property is damaged or destroyed, our guidance will help you get started on the road to recovery, make good decisions, and keep moving forward. United Policyholders is non-profit and has expertise based on nearly three decades of assisting in communities hit by wildfires. Our staff, disaster veteran and professional volunteers and our partnerships with public, private and non-profit partners, will help lighten your load. We’re rooting for you and here to help. No strings attached.
The following are selected items from the extensive library of resources we offer. Through our Roadmap to Recovery program, you can access tips, tools and the straight scoop on insurance, clean up, contractors, lawyers, adjusters, avoiding ripoffs and mistakes, your legal rights, and emotional support from people who genuinely care about helping you navigate successfully.
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NOTE: United Policyholders respects and protects the privacy of all who communicate with our organization. We do not share or sell our mailing lists.
Eyes tired from reading? Watch our FIRST STEPS AFTER A WILDFIRE video here.
Oregon Division of Financial Services Bulletins:
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- Wildfire Emergency Bulletin: Requires insurers to expedite claims handling for Oregon insureds affected by wildfires.
- Extension of Rebuild Timelines for Wildfire Victims: Several insurance companies have agreed to provide at least two years from the date of loss to rebuild a home and replace contents after a policyholder suffers a total loss due to the 2020 Labor Day wildfire disaster. See list of insurers here.
Fire Hardening Grant Program from the Oregon State Building Codes Division. If your home or business was lost or damaged in a wildfire during the year 2020, you may be eligible to receive grant money for fire hardening of your home or business.
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Taking it in and Getting Started
Resources General
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Arranging Temporary Housing
TIP: If you lost your home in the wildfire, when you file your insurance claim, be sure to ask for a cash advance to help you get situated. Be sure to ask for it in writing (email counts).
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Getting Organized, Informed and Empowered
FEATURED VIDEO:
Resources GeneralResources Partial Loss -
Getting Debris Removed
Resources General
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Being Proactive in Documenting and Valuing Your Losses
Partial Losses/Standing Homes:
If your home was spared but was exposed to extreme heat and smoke, we offer specialized guidance on partial loss insurance claim issues related to proper cleaning, inspecting for damage, restoring healthy indoor air quality and repairing obvious as well as hidden damage.
FEATURED VIDEOS:
Resources General- Insurance Recovery Tips for the Dwelling Part of Your Claim
- Reimbursement for Claim Preparation Expenses
- The Scoop on “Scope” (of loss)
- Guidelines For Reviewing Adjusters’ And Contractors’ Estimates
- Xactimate Demystified
- Building Code, Ordinance or Law Compliance
- Survivors Speak: Estimating Your Loss
- Sample Letters and Documents
- Mobile/Manufactured Home Insurance Claim Tips
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Creating Your Home Inventory and Navigating Your Contents Claim
FEATURED VIDEO:
Resources GeneralResources Partial Loss -
Making Housing and Financial Decisions
FEATURED VIDEO:
Resources GeneralResources Total Loss -
Choosing a Contractor
Resources GeneralResources Total Loss
- Working with Your Mortgage Company
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Getting help if/when you need it
Resources General
- Professional "Find Help" Directory
- Insurance Resources for Oregon
- Resolving Claim Disputes
- Hiring Professional Help for an Insurance Claim
- Oregon Division of Financial Regulation
- Filing a complaint with the Department of Insurance
- Video of virtual town hall with OR Insurance Commissioner Andrew Stolfi
- Amended Wildfire Emergency Order 9-25-20;
- Bulletin No. DRF 2020-16 (affected areas);
- Bulletin No. DFR 2020-17 (expectations for health insurers);
- Bulletin No. DFR 2020-18 (expediting claims handling and other expectations regarding wildfires)
- Wildfire Rebuild Timeline Agreement
- Taking Care of Yourself Along the Way