News for those who live, work and play in the Santiam Canyon

Property owners get more time for fire claims

Reporter for The Canyon Weekly

A new state advisory gives Santiam Canyon residents and others affected by the 2020 Labor Day fires more time to rebuild.

Many casualty and property insurers write homeowners policies that contain requirements on how quickly the property owners must rebuild a home, replace its contents or both. Often these limits can be less than 3 years.

However, a new directive from the Oregon Division of Financial Regulation, issued Aug. 4 and effective immediately, advises insurers that such timelines should be extended for owners who have been unable to rebuild because of circumstances beyond their control.

The financial regulation division, part of Oregon’s Department of Consumer and Business Services, also has established deadlines for actions by insurers. Those receiving an extension must be advised by Aug. 30 and for policyholders who are not given extensions until at least Sept. 30, 2023, insurers are required to report to the financial regulation diversion regarding the reasons for the refusal. 

The division has the authority to take action against any insurer that unreasonably declines to extend timelines.                                     

“The 2020 wildfires caused heartbreaking losses, and the recovery process has taken longer than it should due to circumstances completely out of homeowners’ control,” said Andrew Stolfi, the state’s insurance commissioner. “Our actions … are meant to provide wildfire survivors with the certainty they deserve. After nearly two years of struggling to rebuild in the face of unprecedented challenges, every homeowner should be given the time they need to finish recovering.”

For more information on the program you can view the full text of the advisory at

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