DV Status
Third-Party DV Recoverable
Statute of Limitations
6 years for property damage
Appraisal Clause
Available - Fee Reimbursement Law (ORS 742.466)
Key Points for Oregon
BEST state for appraisal fee reimbursement
ORS 742.466 requires insurer to pay your appraisal costs if you win
Very long statute of limitations
Modified comparative negligence state
Important Information
Oregon has one of the strongest consumer protection statutes in the country. Under Oregon Revised Statute 742.466, if you dispute the insurer's offer and demand appraisal, and the final award is greater than the insurer's last offer, the insurer MUST reimburse your reasonable appraisal costs. This makes hiring an appraiser essentially risk-free.