Oregon public adjusters · Claims by insurer
Oregon home insurance claim denied or underpaid?
Oregon homeowners file claims for wildfire and smoke, ice storms, windstorms and falling trees, and water damage from plumbing or long-term leaks. Oregon’s claim-handling rules set specific 30-day deadlines.
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- Oregon public adjuster license 20497788
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
Largest home insurers in Oregon
Ranked by 2024 homeowners direct written premium, individual company level, from the Oregon Division of Financial Regulation’s Top 25 homeowners insurance companies. Published by the state insurance regulator.
| # | Insurer | Share |
|---|---|---|
| 1 | State Farm Fire and Casualty Company | 21.12% |
| 2 | Farmers Insurance Exchange | 5.71% |
| 3 | Safeco Insurance Company of Oregon (a Liberty Mutual company) | 5.35% |
| 4 | Safeco Insurance Company of Illinois (a Liberty Mutual company) | 5.08% |
| 5 | Allstate Vehicle and Property Insurance Company | 4.95% |
| 6 | Foremost Insurance Company (a Farmers group company) | 4.86% |
| 7 | Homesite Insurance Company of the Midwest (an American Family company) | 4.33% |
| 8 | Travelers Personal Insurance Company | 4.29% |
| 9 | Country Mutual Insurance Company | 3.26% |
| 10 | Farmers Insurance Company of Oregon | 3.23% |
Source: Oregon Division of Financial Regulation, 2024 Top 25 Homeowners Insurance Companies (by direct written premium). Each name links to its claim guide. Market share describes size only; it says nothing about how any claim was handled.
Don’t see your insurance company?
Don’t worry. We can most likely represent you with your Oregon carrier too. Every claim is different, so we’ll tell you honestly after a free review.
Start my free claim reviewSafeco companies are part of Liberty Mutual, and Farmers writes in Oregon through several companies, so the group totals are larger than any one line suggests.
Oregon claim rules and what to do after a denial or low offer
- 1
Expect a response within 30 days
Under OAR 836-080-0225(1), an insurer must acknowledge the claim, or pay it, within 30 days after notification.
- 2
A written decision after proof of loss
OAR 836-080-0235(1) requires the insurer to accept or deny within 30 days after receiving properly executed proof of loss; a denial must be in writing and refer to the policy provision relied on. If it needs more time, it must tell you within 30 days and then every 45 days why (OAR 836-080-0235(4)).
- 3
Read the exact policy language cited
Find the exclusion or condition the letter relies on, then read your declarations page and endorsements: deductibles, roof or cosmetic-damage terms, water damage limits and any matching or ordinance-or-law coverage.
- 4
Document the damage before repairs
Photograph and video every room and roof slope, keep damaged materials or samples when you can, and save invoices for emergency repairs. That record is what a reinspection, supplement or appraisal will rely on.
- 5
Use the policy’s appraisal clause if the fight is about the amount
Most homeowners policies have an appraisal clause for disagreements about the amount of loss, not coverage. Read its exact steps, costs and deadlines before invoking it.
More on Oregon claims: Oregon public adjusters
Oregon insurance claim FAQ
How long does an insurer have to decide my claim in Oregon?
Under OAR 836-080-0235, an insurer must accept or deny a claim within 30 days after receiving properly executed proof of loss, with a written explanation referring to the policy provision for any denial. If more time is needed, it must notify you within 30 days and every 45 days after that. Claims must be acknowledged or paid within 30 days of notification (OAR 836-080-0225).
Is AF Claims licensed in Oregon?
Yes. AF Claims (American Financial Claims) holds a Oregon public adjuster license 20497788. We represent policyholders only, never insurance companies, and we can inspect in person, by phone or by video.
My insurance company isn’t listed. Can you still help?
Yes. The list shows the largest home insurers by market share, not the only ones. Oregon’s claim-handling rules apply to every insurer licensed in the state, and the review works the same way whoever wrote your policy.
Can you guarantee the insurer will change its decision?
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
What does the review cost?
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Get a second look at your Oregon claim.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Oregon public adjuster license 20497788. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.