Oregon Revised Statutes

Or. Rev. Stat. § 742.230 (2026)

Requirements in case loss occurs

✓ current as of May 2026

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742.230 Requirements in case loss occurs. A fire insurance policy shall contain a provision as follows: “The insured shall give immediate written notice to this company of any loss, protect the property from further damage, forthwith separate the damaged and undamaged personal property, put it in the best possible order, furnish a complete inventory of the destroyed, damaged and undamaged property, showing in detail quantities, costs, actual cash value and amount of loss claimed; and within 90 days after receipt of proof of loss forms from the company, unless such time is extended in writing by this company, the insured shall render to this company a proof of loss, signed and sworn to by the insured, stating the knowledge and belief of the insured as to the following: The time and origin of the loss, the interest of the insured and of all others in the property, the actual cash value of each item thereof and the amount of loss thereto, all encumbrances thereon, all other contracts of insurance, whether valid or not, covering any of said property, any changes in the title, use, occupation, location, possession or exposures of said property since the issuing of this policy, by whom and for what purpose any building herein described and the several parts thereof were occupied at the time of loss and whether or not it then stood on leased ground, and shall furnish a copy of all the descriptions and schedules in all policies and, if required, verified plans and specifications of any building, fixtures or machinery destroyed or damaged. The insured, as often as may be reasonably required, shall exhibit to any person designated by this company all that remains of any property herein described, and submit to examinations under oath by any person named by this company, and subscribe the same; and, as often as may be reasonably required, shall produce for examination all books of account, bills, invoices, and other vouchers, or certified copies thereof if originals be lost, at such reasonable time and place as may be designated by this company or its representative, and shall permit extracts and copies thereof to be made.” [Formerly 743.645]

Notes of Decisions

Cited in 4 cases (1 in the last 5 years), 2009–2021 · leading case: Matchniff v. Great Nw. Ins. Co., 224 F. Supp. 3d 1119 (D. Or. 2016).

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Matchniff v. Great Nw. Ins. Co., 224 F. Supp. 3d 1119 (D. Or. 2016). · cites it 3× “Plaintiffs also argue that the information requested by defendant exceeded the scope of their duties under Or. Rev. Stat. § 742.230 . Pl.’s Response to MSJ at 19.”

Parks v. Farmers Ins. Co. of Oregon, 227 P.3d 1127 (Or. 2009). “It also notes that ORS 742.230, a statute that sets out certain provisions that must be included in fire insurance policies, requires “written notice” to the insurer of any loss and also requires that, “within 90 days after receipt of proof of loss forms,” an insured “shall…”

Safeco Ins. v. Masood, 330 P.3d 61 (Or. Ct. App. 2014). “Masood also argues that, although ORS 742.230, like the contract at issue here, requires the insured to cooperate and furnish information to the insurer, that statute limits the scope of the insurer’s requests to records about events causing the loss and the insured property…”

JPaulJones, L.P. v. Zurich Gen. Ins. Co. (China) Ltd. (D. Or. 2021). “§ 742.230; cf. Brockway v. Allstate Prop.”

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