Insurance Again Dominates Number of Complaints to Oregon Consumer Advocates

Insurance continued to be the biggest generator of complaints to the Oregon Division of Financial Regulation, according to the division, which reported it recovered $3.88 million through the first six months of 2026.

Insurance produced the majority of complaints filed with more than 1,000 complaints in each of the first two quarters.

Credit unions (120 complaints) and mortgage servicers (87) were other areas regulated by the division high on the list. Consumer finance (40), banking (25) and securities (47) were other big industries on the list.

Related: Insurance Matters Topped Consumer Cases in Oregon in 2024

A few examples of cases in which DFR advocates worked on so far this year include:

• A consumer bought commercial truck policy in 2024, which included errors made when the policy was taken out resulting in the correct truck not being listed correctly on the policy. The truck was totaled, and the resulting claim was denied because the vehicle was not properly listed on the policy. When the error was determined, a consumer advocate pressed the managing general agent and the insurance agent to file claims with their errors and omissions insurance policies. The E&O insurers for the agent and the MGA agreed to a 50/50 split of damages and paid out $52,952 in damages.

• When a consumer suffered hail damage to their roof, the insurer denied there was damage and closed the claim without payment. A consumer advocate later convinced the company to have an engineer inspect the roof, resulting in the deamination there was one slope of the roof with hail damage, and areas were noted as deteriorated due to wear and tear. The insurer issued payment of $15,306.21 for the replacement of one slope of the roof.