Underwriting Guidelines
Our Mission Make essential property insurance available to responsible applicants in Oregon when they are unable to secure coverage through the standard insurance markets. Agent Binding Authority Coverage cannot be bound by the producer and will be bound by the FAIR Plan only when the application has been accepted by the Underwriting Department. Moratoriums Coverage...
Wrap Policies
As you likely know, the Oregon FAIR Plan offers only basic coverage via the DP-1 contract. There is no liability coverage, nor is there coverage for perils such as theft or water damage. Many of you have been asking for ways to provide your clients with more significant coverage to protect their homes. We are...
Policy Change Request
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New Agent Registration
Complete the registration form and submit it to the OFPA to enable access to your client’s policies online, as well as the Quick Quote program for Dwellings, Mobile Homes and Farm Quotes. After approval from the Plan, your sign-on ID and temporary password will be sent to you via email at the address you submitted...
Important Agent Info
If you’ve never (or “it’s been years”) since you’ve used the Oregon FAIR Plan Association (OFPA), you may have questions about how to get started. Within OFPA’s website, we have included Frequently Asked Questions, line specific Manuals, and a link to our system login page. In the following information, we will advise of the basics steps...
Agency Profile Changes
If you've written Fair Plan policies but need to make changes to your agency information, please complete this section. Only complete the fields that have changed. Go backYour message has been sent Agency Code(required) Warning Agency Name(required) Warning Address (Line 1) Warning Address (Line 2) Warning City Warning State Warning Zip Code Warning Phone Warning...
Commissions
Commission Information Payments are made to the agency according to the information given OFPA at agent registration. Insurance agents are paid 10% commission on all new and renewal policies. Commissions are paid via ACH to the producing agency based on collected premium. Note for 2026: Commission payments will be issued two ways: Quarterly, if paid on policies...
Cancelled Policies
Every policy issued by the OFPA carries a Policy Writing Minimum Premium of $125. In the event of an early cancellation, OFPA retains $125 of premium as a minimum. Any unearned premium in excess of the $125 minimum premium will be returned directly to the insured, on a pro-rated basis. If facultative reinsurance was purchased,...
Register
Complete this registration form and submit it to the OFPA to enable access to your client's policies online, as well as the Quick Quote program for Dwellings, Mobile Homes and Farms Quotes. Please fully complete this form before submitting it to the OFPA. Your sign-on ID and temporary password will be sent to you by...
Insurance Coverages
OFPA provides coverage for: Dwellings Mobile Homes Commercial Property Farms The policy is basic and only provides Named Peril coverage. Producers should review with potential applicants that OFPA does not: Provide insurance coverage on vacant properties. Provide Replacement Cost coverage. Provide “all risk” perils coverage. Provide coverage for Liability. To learn more about each line...
Applications
Applications OFPA Dwelling Application 10-09 Wood Stove Application OFPA Commercial Application Forms Wood Stove ApplicationAgent RegistrationOFPA Commercial Application Agency Profile Changes Feedback
Feedback
We want to hear from you. Please give us your comments or suggestions on our website,procedures, changes you'd like us to make, etc. Are there any questions you have - just ask us here.Tell us why you completed this information and what you would like us to do to help you. Go backYour message has...
Claims
It is preferred that claims submitted on behalf of policyholders from producers be submitted via the online portal. Claims may also be submitted by email, by completing the Claim Notification form and sending it to the OFPA at info@orfairplan.com. The OFPA uses Independent local adjusters to investigate and evaluate our claims. As soon as we receive notice of...