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Senate panel orders study of insurer incentives, community mitigation to address wildfire insurance crisis
Summary
The Senate Committee on Natural Resources and Wildfire on April 1, 2025, held a public hearing on the dash‑1 amendment to Senate Bill 85, which directs DCBS and the State Fire Marshal to evaluate insurer incentives and community mitigation strategies and to report recommendations by Feb. 2, 2026.
The Senate Committee on Natural Resources and Wildfire on April 1, 2025, opened a public hearing on Senate Bill 85 (dash‑1), which tasks the Department of Consumer and Business Services (DCBS) and the Oregon State Fire Marshal (OSFM), in consultation with the Department of Forestry and insurance industry representatives, to evaluate community‑based wildfire risk mitigation strategies and how insurers factor mitigation into underwriting and rating.
Under the dash‑1 amendment, DCBS and OSFM must submit a report by Feb. 2, 2026, to the State Wildfire Programs Director, the Wildfire Programs Advisory Council, and interim legislative committees. The report must include recommendations for legislative changes, incentives or discounts insurers could offer, and information from major insurers on how they incorporate mitigation actions into underwriting and rating. The bill sunsets Jan. 2, 2027, and declares an emergency on passage.
Andrew Stolfi, DCBS Director and State Insurance…
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