2020 Wildfire Catastrophe Claims and Fire Marshal Premium Assessment Data Call
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Feb. 23, 2021 To: All Companies Listed in Appendix A of This Call Letter Re: 2020 Wildfire Catastrophe Claims and Fire Marshal Premium Assessment Data Call Background and Data Call Structure On Oct. 15, 2020, the Oregon Division of Financial Regulation (DFR) issued the “2020 Wildfire and Wind Data Call” to collect information about fire and wind losses in the state, beginning on Aug. 20, 2020. DFR rescinds this data call and replaces it with the 2020 Wildfire Catastrophe Claims and Fire Marshal Premium Assessment Data Call. This data call contains two reporting requirements for which two templates have been provided. The instructions in this call letter are split into two parts. Part 1 focuses on the Wildfire Catastrophe Claims reporting requirement. Part 2 focuses on the Fire Marshal Premium Assessment reporting requirement. All companies listed in Appendix A of this call letter must report. Reports may be submitted by individual companies or at the group level. Additional details are below. Both reports must be submitted using the provided templates. All reports must be submitted through an online portal managed by the NAIC. Use Google Chrome to access the online portal with the following website link: https://content.naic.org/industry_state_disaster_reporting_data_calls.htm Part 1 must be submitted by logging into the NAIC reporting portal, selecting “PAC” as the “datacall group,” and selecting “OR_CLAIMSBYZIPCODE.” Part 2 must be submitted by logging into the NAIC reporting portal, selecting “PAC” as the “datacall group,” and selecting “OR_FIREBYLINEDETAIL.” DFR will provide updated frequently asked questions as needed based on questions received. Please submit questions promptly to <[email protected]>. Completed templates for Part 1 and Part 2 are due by end of day March 23, 2021. Extension requests will not be granted. Before attempting to submit a file, please review the “File Submission Guide” available at https://content.naic.org/industry_state_disaster_reporting_data_calls.htm. Group or individual company reporting will be accepted Page 1 of 16 DFR will accept submissions at either the group or individual company level. If you submit at the group level, the submission must cover all companies within the group. The full list of companies required to report can be found in Appendix A following this call letter. DFR will not accept a group submission for a portion of the companies required to report for the group. If DFR receives multiple acknowledgments for the same group or company, we will notify the involved parties, who then must determine how the group/company will proceed. Acknowledgment Required Please note: Your email acknowledgement of this call letter is due by end of day on Mar. 2, 2021. Your acknowledgment must be submitted using the provided “Data Call Acknowledgment Form.” The acknowledgment must include two contacts. These contacts will also be set up to access the NAIC reporting portal and submit the data call responses. If submitting an acknowledgment for a group, all companies within the group must be listed, by name and NAIC cocode, otherwise the acknowledgment will be rejected. Please submit your acknowledgment to <[email protected]>. Group or individual companies with no information to report A group or individual company that determines it has no information to report, based on what is required, may submit the provided “Attestation of no information to report” form. Separate attestation forms must be submitted for Part 1 and Part 2 reporting requirements. DFR will not accept a group submission for a portion of the companies required to report for the group. If DFR receives multiple attestations for the same group or company, we will notify the involved parties, who then must determine how the group/company will proceed. Attestation forms must be submitted to DFR at <[email protected]>. Attestations are due by end of day Mar. 9, 2021. A notice will be sent by DFR in response to the submitted form confirming receipt and will state whether an exemption has been approved or denied. DFR staff may seek more information before granting the exemption. Exemption requests for all other reasons will not be accepted. Group and company information to be provided on the reporting template Each template will require information on the group, company, or both. This information must align across both templates. Each template will also require contact information. This may be the primary or secondary contact established through the acknowledgment process. If a company is submitting an individual report, input the NAIC code and company name wherever the template requests the group code or group name. Group submissions must list all companies in the response on the reporting template. If this list of companies does not align with the list of companies provided in Appendix A, and provided through the acknowledgment process, the submission may be accepted by the NAIC’s reporting portal but will be rejected after review with the group contacts being notified by DFR. Page 2 of 16 Part 1 – Wildfire Catastrophe Claims for Named Fires by ZIP Code Information regarding claims associated with the named fire events that took place in Oregon, starting in September 2020, must be provided for all ZIP codes in Appendix B of this document. The provided template includes the full list of ZIP codes on submitted reports. Note: This list must not be edited unless directed by DFR staff. All claims reported should be for damages that occurred as a result of one of the named fire events that took place in Oregon starting in September 2020. List of named fires 1. Almeda Glendower 2. Archie Creek 3. Beachie Creek Lionshead Complex a. Includes Beachie Creek and Lionshead fires 4. Brattain 5. Chehalem Mountain Bald Peak 6. Clackamas County Fire Complex a. Includes Dowty Road, Unger Road, and Whilhoit Road fires 7. Echo Mountain Fire Complex a. Includes Echo Mountain and Kimberling Mountain fires 8. Holiday Farm 9. Pike Road 10. Powerline 11. Riverside 12. Slater 13. South Obenchain 14. Two Four Two Information on the named fire events can be found at https://www.fema.gov/disasters and https://wildfire.oregon.gov/. For Part 1, all information is to be reported as of Dec. 31, 2020. Fields that must be reported Number of Claims Reported – Provide the total number of claims reported, as of Dec. 31, 2020, associated with, or as a result of, the named fire events in Oregon. Number of Claims Closed With Payment – Provide the total number of claims closed with payment, as of Dec. 31, 2020, that were associated with, or as a result of, the named fire events in Oregon. Number of Claims Closed Without Payment – Provide the total number of claims closed without payment, as of Dec. 31, 2020, that were associated with, or as a result of, the named fire events in Oregon. Number of Total Loss Claims – Provide the total number of total loss claims, as of Dec. 31, 2020, that are associated with, or as a result of, the named fire events in Oregon. Page 3 of 16 Number of Pending Claims – Provide the total number of pending claims, as of Dec. 31, 2020, that are associated with, or as a result of, the named fire events in Oregon. Paid Loss – Provide the total dollar amount in paid loss, as of Dec. 31, 2020, associated with, or as a result of, the named fire events in Oregon. Case Incurred Loss – Provide the total dollar amount in case incurred loss, as of Dec. 31, 2020, associated with, or as a result of, the named fire events in Oregon. Definitions Adjustment expenses – Refer to the annual statement reporting blank definition. Loss – Indemnity payments, but excludes adjustment expenses. Payments should be net of actual salvage and subrogation recoveries. For applicable lines, include losses associated with loss of use, additional living expense, fair rental value, etc. Case incurred loss – Indemnity case reserves plus claim payments made to date. Estimates of IBNR should not be included. Payment – Loss payment and does not include adjustment expenses. Page 4 of 16 Part 2 – Fire Marshal Premium Assessment Template Information must be reported for each line of business listed below. 1. Fire – Personal business 2. Fire – Commercial business 3. Farmowners Multiple Peril 4. Homeowners Multiple Peril – Excluding Tenant Homeowners Policies 5. Tenant Homeowners (Renters Policies) 6. Commercial Multiple Peril (non-liability portion) 7. Commercial Multiple Peril (liability portion) 8. Inland Marine 9. Private Passenger Auto Physical Damage 10. Commercial Auto Physical Damage 11. Aircraft (all perils) The template provided includes separate tabs for each line of business. Information to be reported has been segmented into ranges based on yearly premium. These premium ranges will vary depending on the lines of business. All information will be reported at the state level; only Oregon business should be included. Please note: Only one record per line of business will be accepted. Fields that must be reported Number of Policies – Total count of all policies for which coverage was in effect as of Dec. 31, 2019, for the specific premium range being reported. Aggregate Yearly Premium – Total dollar amount of yearly premium charged for all policies for which coverage was in effect as of Dec. 31, 2019, for the specific premium range being reported. Aggregate Total Insured Value – Total dollar amount of total insured value for all policies for which coverage was in effect as of Dec. 31, 2019, for the specific premium range being reported. 1. Total Insured Value definition — A property insurance term referring to the sum of the full value of the insured's covered property, business income values, and any other covered property interests. 2. Total Insured Value information is not required for these lines of business. a. Private Passenger Auto Physical Damage b.