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Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
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Wildfire Discount Notice for Oregon
At Chubb, your safety and security are our top priorities
Pursuant to Oregon law, we are required to provide notice of any potential wildfire related mitigation efforts that may improve eligibility for coverage or rate/premium development. For Oregon homeowner's insurance consumers, eligibility for coverage may be improved if the insured residence has a roof constructed by a material other than wood and has a wildfire score between 10-23.
Chubb supports and encourages clients to proactively take wildfire mitigation efforts to reduce their risk of fire damage to home and property. For homeowner insurance policies issued or renewed on or after October 20, 2025, with Executive Risk Indemnity and Chubb National, discounts on wildfire premiums are available for qualifying mitigation efforts, up to the amounts indicated below. Participation in a community-level mitigation program does not currently impact eligibility or wildfire rate/premium development.
Discounts are not available for and do not apply to policies issued by Federal, Great Northern, or Pacific Indemnity underwriting companies.
Available wildfire premium discounts (applicable to policies issued by Executive Risk Indemnity or Chubb National only):
Non-combustible decks, balconies, porches, or exterior stairs. A discount of up to 10% is available to be applied to the calculated wildfire premium amount if the house flooring and stair tread surfaces on all exterior attachments meet one of the following requirements:
- finished with concrete, slate, stone, tile or brick;
- non-combustible meeting the ASTM E-136 Standard Test; or
- class A flame spread rating.
Flame or ember resistant vents. A discount of up to 5% is available to be applied to the calculated wildfire premium amount if all house exterior vents and vent systems are flame or ember resistant.
Wildfire suppression system. A discount of up to 2.5% to 15% is available to be applied to the calculated wildfire premium amount if the house is protected from wildfire by a wildfire suppression system. The wildfire suppression system must meet the following requirements:
- the site and house meet or exceed all brush or wildfire guidelines for defensible space and loss mitigation construction characteristics;
- for systems using a fire retardant chemical, the fire retardant chemical must meet U.S. Department of Agriculture standards;
- the system is designed to contain sufficient pressurized retardant to coat all exterior wood products on the entire house (including roof, siding, eaves, decks and other combustible attachments) as well as the surrounding vegetation out to a horizontal distance of 150 feet; and
- the system must be installed by a licensed contractor in accordance with manufacturer’s specifications.