Insurance Payout & Restoration Guide
Facing a home emergency? Our guide estimates typical restoration costs and payout ranges for common Oregon insurance claims. Learn the steps required to restore your home and protect your future premiums.
Select Claim Type
Navigating the Claims Process
When disaster strikes, the first 24 hours are the most critical. Insurance companies in Oregonrequire homeowners to take "reasonable steps" to mitigate further damage. This tool helps you understand what those steps are and what kind of budget you should expect from your carrier.
The "Preferred Vendor" Myth
Many adjusters will suggest a "Preferred Vendor" to handle your restoration. However, under Oregon Law, you have the right to choose your own licensed contractor.
Benson Home Solutions works directly with all major insurance carriers, providing the detailed documentation, moisture maps, and thermal imaging reports required to ensure you receive a full and fair payout.
What is "Actual Cash Value" vs. "Replacement Cost"?
Actual Cash Value (ACV)
The depreciated value of your property. If your 10-year-old roof is damaged, the insurance company pays what a 10-year-old roof is worth today.
Replacement Cost Value (RCV)
The current market price to replace the item with one of 'like kind and quality.' This is the superior policy type for long-term protection.
"Don't sign anything until you've had an independent inspection. The adjuster works for the insurance company; your contractor works for you."