Enumclaw Property & Casualty Insurance Company has filed and received approval for a rule change to its homeowners program in Oregon, effective June 1, 2025. The filing—identified under SERFF Tracking Number ENUX-134548990—introduces a revision to the company’s underwriting rules, specifically aimed at increasing the flow of new business.

The update involves adjustments to the insurer’s credit-based underwriting segmentation, particularly its Q-score criteria. While the details remain confidential, the company clarifies that a policy cannot be declined based on credit score alone; additional sub-optimal risk characteristics must be present for a declination to occur.

The filing does not involve rate changes, and no new forms were introduced. Instead, it focuses purely on underwriting treatment tied to the Q-score bands used in evaluating new business submissions. The Oregon Division of Financial Regulation approved the change on June 17, 2025. The revised guidelines are expected to help Enumclaw better compete in the Oregon homeowners market by expanding eligibility while maintaining underwriting discipline.