Be Smart. Know Your Hazard. Wildfire Basics

With the consistently warm temperatures this summer Oregon is especially at risk for Wildfires.  Wildfires spread quickly and give little warning leaving many people cutoff from their homes and belongings.  As building development expands into more rural areas, homes and businesses may be situated in or near areas susceptible to wildfires. Are you at risk? 

Take a look at Ready.gov’s Wildfire Page to learn about the hazards that can affect you where you live and work.

Are You Ready For The Next Big Earthquake?

With all the recent news that Oregon “will be toast” when the next big Earthquake hits, it’s probably a good time to check in on your Earthquake preparedness.  Do you have enough food and water for two weeks?  Do you know what to do during the shaking (hint: the things you learned in school are probably wrong)?

Take a look at Ready.gov’s Earthquake Page to see learn what to do before, during, and after an earthquake.

Destructive fires starting in fireplaces and wood stoves have gone up 40 percent in Oregon, according to information from the Oregon Office of State Fire Marshal.

Local fire officials said there could be a number of possible reasons for the increase in fires, like more people trying to save money by burning wood to heat their homes.

Today on KATU we are looking at what homeowners can do to make their homes safer, and the common mistakes that put them at further risk for a chimney fire.

We checked in with Todd Gary of the Canby Fire District. Canby had a series of chimney fires last year, all around the holidays.

“It gets big. And it gets big really quick,” said Gary. “And it spreads really fast.”

Read More >>

 

[VIDEO]: Property Insurance Law

An Insurance Policy is Just a Fancy Name for a Contract

 

Transcript

Well, there are two types of claims that involve insurance.  What’s known as a liability claim and is also known as a first party casualty claim. Although we are known to do very well with personal injury claims, what we call third party claims, that is let’s say you’re driving down the road and another car slams into you and unfortunately as a result of that your car is damaged, you may have suffered a physical injury but in those types of cases oftentimes or most times you are not going to start the claim out by bringing a lawsuit against your insurance company. You’re going to be starting off by demanding a sum of money from the other driver’s insurance company. That’s called the third party claim.

We handle that but what my specialty is from being an insurance adjuster for years is handling claims.  For example, homeowner claims, business claims, a business policy claim. Let me give you an example, let’s say that we have a windstorm. A serious windstorm as is known to happen here in Northwest from time to time.  Your house is damaged as a result of that windstorm or let’s say somebody vandalizes your business, you have a fire  or your hot water heater breaks and you come to walk into the building whether it’s a business or your home and that the house is just flooded with water.  

You call your insurance company and the insurance company for whatever reason tells you that the claim is not covered or that you’re only covered for a certain amount. My practice is to ensure that the insurance company pays you whether it’s from a fire, windstorm, earthquake, provided you have the coverage, vandalism, theft, whatever.  

It is my job to make sure the insurance company pays you an adequate sum of money in accordance with its obligations under the insurance policy. What most people don’t realize is an insurance policy is a fancy word book contract.  You have a contract with the insurance company in exchange for your hard-earned premiums, the insurance company promises to pay you in certain circumstances. 

It’s my job to make sure that the circumstances are covered under your policy and ensure that you get paid.

 

[VIDEO]: The Purpose of An Initial Consultation – Keeping the Best Interest Of Your Client In Mind with Fred Millard

Transcript

An initial consultation, there’s a multi-faceted purpose to it. Number one, I cant advise you, I cannot help you if I don’t understand the problem or what the issues are. What issues are going on. So expect this in initial consultation, I’m gonna ask you to share with me what exactly it the problem is. 

It’s not your job to decide whether you have a contract dispute, whether you have a tort dispute, a statutory breach dispute. That’s my job. My job is to take the facts that you tell me and pigeonhole them into what the law permits or what the law will allow you to do. And that’s called your options. So in an initial consultation we want to go over the fact in your case and we want to decide what options you have.

But here’s what’s really important. Because of my background the the fact is the first twenty years of my working career I spent being something other than an attorney. That being a contractor an insurance adjuster I have actually run businesses I remember is a contractor I had someone that owed us fifteen thousand dollars.

I went to the attorney and by the time we won, it cost forty thousand dollars to win 15 thousand dollars. That, in my way of thinking, is not a solution. I made a promise to myself, at that very moment, that I will never put a client in that position intentionally. Never. That is not helping you. The key is to understand the facts and understand the realistic and most efficient way to resolve your issue.

 

Millard & Bragg Attorneys at Law P.C. practicing law in both Oregon and Washington 503-352-1991.

[VIDEO]: An Insurance Policy is Just a Fancy Name for a Contract with Fred Millard

Transcript

Well, there are two types of claims that involve insurance.  What’s known as a liability claim and is also known as a first party casualty claim. Although we are known to do very well with personal injury claims, what we call third party claims, that is let’s say you’re driving down the road and another car slams into you and unfortunately as a result of that your car is damaged, you may have suffered a physical injury but in those types of cases oftentimes or most times you are not going to start the claim out by bringing a lawsuit against your insurance company. You’re going to be starting off by demanding a sum of money from the other driver’s insurance company. That’s called the third party claim.

We handle that but what my specialty is from being an insurance adjuster for years is handling claims.  For example, homeowner claims, business claims, a business policy claim. Let me give you an example, let’s say that we have a windstorm. A serious windstorm as is known to happen here in Northwest from time to time.  Your house is damaged as a result of that windstorm or let’s say somebody vandalizes your business, you have a fire  or your hot water heater breaks and you come to walk into the building whether it’s a business or your home and that the house is just flooded with water.  

You call your insurance company and the insurance company for whatever reason tells you that the claim is not covered or that you’re only covered for a certain amount. My practice is to ensure that the insurance company pays you whether it’s from a fire, windstorm, earthquake, provided you have the coverage, vandalism, theft, whatever.  

It is my job to make sure the insurance company pays you an adequate sum of money in accordance with its obligations under the insurance policy. What most people don’t realize is an insurance policy is a fancy word book contract.  You have a contract with the insurance company in exchange for your hard-earned premiums, the insurance company promises to pay you in certain circumstances. 

It’s my job to make sure that the circumstances are covered under your policy and ensure that you get paid.

Millard & Bragg Attorneys at Law P.C. practicing law in both Oregon and Washington 503-352-1991.

Fire destroys Arlington Church of the Nazarene

ARLINGTON, OR (KPTV) – A massive fire tore through a church in the Oregon town of Arlington on Tuesday, leaving nothing but a pile of debris and a shell of the building that once stood.

The Church of the Nazarene in Arlington will have to rebuild again after a massive fire. Arlington Church of the Nazarene’s building, which was built in the 1890s and was the oldest building in downtown Arlington, is described as “a total loss” in a post made to the church’s Facebook page.

Arlington is located a little more than two hours east of Portland along I-84 on the way to Pendleton.

Read the full story on KPTV.com