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 to apply for coverage through OFPA.

OFPA has no Agents

The OFPA does not appoint any agents. However, any agent who is licensed to write business in Oregon, can write insurance with the OFPA. No licensed agent, although licensed to represent one or more member insurers of the OFPA, shall hold himself out as an agent of the OFPA or have any authority to bind any risk for the OFPA. While, you may have a responsibility to assist individuals in applying to OFPA, you don’t want to even imply any binding authority for OFPA. When assisting individuals in applying for OFPA coverage, you actually serve as their agent, not OFPA’s.

When can I expect to get the Binder?

The Oregon FAIR Plan does not issue binders.

When will I get the Policy?
If the application is complete and the amount of coverage requested is appropriate, the policy is typically mailed within 5-7 working days. Delays can be caused by incomplete applications, lack of additional required documents (such as a copy of a fire service contract), or requested coverage limits which appear to exceed the actual cash value of the home.

If you need immediate proof of coverage due to a closing or refinance, please have your agent note this when submitting the application to OFPA. Once the policy is issued, your agent can provide a copy of the declarations page to your lender or title company.