Restoration coverage and compliance, built for Oregon.

In Oregon, the restoration licensing picture and the insurance are tied together, and the details depend on the kind of restoration you do. Here is a plain-language overview of what tends to apply, with the official sources to confirm it.

Contractor and reconstruction licensing

Most construction and improvement work for compensation in Oregon requires a license from the Oregon Construction Contractors Board (CCB) before you bid, advertise, or perform work. Restoration reconstruction is construction, so if you rebuild what you restore, the same Oregon licensing that applies to general construction generally applies to your rebuild work. Verify your situation with the Oregon CCB.

Mold assessment and remediation

Most states, including Oregon, do not have a separate mold assessment or remediation license, so mold work generally falls under general contractor and consumer-protection rules rather than a dedicated mold license. That can change, and some clients, referral networks, or insurers may still expect specific certification such as IICRC, so it is worth verifying current requirements with the state and checking what your contracts require.

The EPA lead rule in Oregon

Oregon is one of the states authorized by the EPA to run its own Renovation, Repair and Painting (RRP) lead program. Firms doing work that disturbs lead-based paint in pre-1978 housing and child-occupied facilities are certified and regulated under the state program rather than the federal EPA one. Because restoration routinely disturbs surfaces in older buildings, this can apply to your work even when lead was not the reason you were called. Confirm current firm-certification requirements with the state program.

Insuring restoration in Oregon

Whatever the licensing picture, insuring a restoration business in Oregon comes down to the exposures a generic contractor policy excludes: contaminated water, soot, and mold (pollution), the customer property you handle and store (care, custody, and control), and faulty-work allegations (professional liability). We are independent, so we place those coverages with markets that write restoration and line them up with Oregon licensing and any referral requirements.