Oregon Revised Statutes

Or. Rev. Stat. § 742.232 (2026)

Appraisal

✓ current as of May 2026

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742.232 Appraisal. A fire insurance policy shall contain a provision as follows: “In case the insured and this company shall fail to agree as to the actual cash value or the amount of loss, then, on the written demand of either, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within 20 days of such demand. The appraisers shall first select a competent and disinterested umpire; and failing for 15 days to agree upon such umpire, then, on request of the insured or this company, such umpire shall be selected by a judge of a court of record in the state in which the property covered is located. The appraisers shall then appraise the loss, stating separately actual cash value and loss to each item; and, failing to agree, shall submit their differences, only, to the umpire. An award in writing, so itemized, of any two when filed with this company shall determine the amount of actual cash value and loss. Each appraiser shall be paid by the party selecting the appraiser and the expenses of appraisal and umpire shall be paid by the parties equally.” [Formerly 743.648]

Notes of Decisions

Cited in 3 cases (2 in the last 5 years), 1995–2025 · leading case: Lind v. Allstate Ins., 895 P.2d 327 (Or. Ct. App. 1995).

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Lind v. Allstate Ins., 895 P.2d 327 (Or. Ct. App. 1995). “648 (1987) (renumbered ORS 742.232 in 1989). The plaintiff and the defendant could not agree on the amount of the plaintiffs loss and proceeded to arbitration.”

Cook v. Nationwide Gen. Ins. Co. (D. Or. 2025). · cites it 3× “An award in writing, so itemized, of any two when filed with this company shall determine the amount of actual cash value and loss.”

JPaulJones, L.P. v. Zurich Gen. Ins. Co. (China) Ltd. (D. Or. 2021). · cites it 2× “§ 742.232, a mandatory appraisal provision required by the Oregon Insurance Code to be inserted into all fire insurance policies, violated the right to a trial by jury under Article I, section 17 of the Oregon Constitution.”

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