This historically cold winter that Oregon has been experiencing is proving costly for many people whether it is from car accidents, slip and fall injuries, or even homes and businesses being damaged.
The amount of snow that has fallen has proven detrimental to many homes and businesses causing damage from fallen trees and collapsed roofs. There is also always the threat of fire damage from heating homes/businesses incorrectly (especially in this cold weather) and the possibility of flood damage for when all of this snow melts.
Millard and Bragg are not only Fire Claims Experts but Insurance Claims Experts as well and are available for any questions you have about insurance claims and what rights you are entitled to.
We place a great deal of importance on insurance law and in any type of insurance claim or dispute, both the insurance company and the claimant will likely face expensive and time-consuming negotiations and legal issues.
Each claim or case is different and the legal rights you are entitled to depends on the details. Many people are unaware or unsure of the rights that are being compromised by the insurance companies. If you feel this is the case for you, you should contact Millard & Bragg immediately to ensure you understand your legal rights and we will be ready to guide you through the process, every step of the way.
TUALATIN, Ore — A family-run business in Tualatin that has been open for more than 50 years was destroyed in a fire early Sunday morning.
Crews were called to Clark Lumber and True Value Hardware on SW Nyberg Street around 2:30 a.m. Even though crews got there within a few minutes, firefighters had to remain outside due to the heat, intensity and fuel load in the steel frame and concrete building.
The building was “like an oven” as tools, paints and other contents burned. Witnesses say they heard the sound of exploding propane tanks and other items for hours.
Eleven people were displaced from a King City Apartment and several Beaverton businesses were damaged in two early Sunday fires battled by Tualatin Valley Fire & Rescue.
No one was injured in either fire.
In the first incident, firefighters responded to a fire alarm at the Riverwood Heights Apartments in the 12000 block of S.W. Fischer Road in King City just after midnight on Feb. 14. The manual alarm was pulled by a tenant who spotted a third-story balcony engulfed in flames.
Storms happen frequently in the Pacific Northwest. Typically they bring with them minor damages to homes and businesses. Occasionally, more powerful or consecutive storms hit and the damages and destruction they leave behind are harder to cope with. How prepared are you to provide proof of damages to your home and belongings after a disaster or storm?
Surprisingly, a large number of home and business owners are not prepared for what needs to happen in the aftermath. Being ill-prepared for what needs to take place can create a number of problems that cause delays with repairs, home displacement, re-opening your business, and the insurance claims process.
We have prepared a checklist to help walk home and business owners through what needs to take place during the calm after the storm.
Assess and document damages when it is deemed safe to do so. If the damage is minor, assess it, take note of everything that was damaged or destroyed, and document it. If it is major damage, call a contractor to mitigate damages (to avoid additional damage) or your local fire department if there is danger of collapse of any walls or ceiling. Ask for a report (if possible) for your records. It will help with your claims process. Once it is deemed safe to enter, then assess, take note, document on your own as well. If you are displaced due to damages, keep receipts of all expenses, and any other financial impact the displacement presents.
Contact your insurance company and file a claim within the 1st 24 hours after the storm. Keep a record of who you speak to, the date and time you spoke to them, and what was discussed.
Take high quality pictures of any damages and label them. Photographs help you in the presentation of proof of damages to your property. They are extremely helpful for all involved, and can speak to the extent of damage sustained to your home or business. Do not wait to take photographs, take them from several angles, and take them throughout the clean up/rebuilding process. Save them several different ways (USB, Cloud, External Hard Drive, Hard Copy).
Have a consultation with a law firm to have them prepared should you need them. An initial consultation will allow you to find out what to expect during the claim process and what are your options.
The claims process can be lengthy. If you don’t know how to navigate it, chances are you could miss steps that could mean a loss of funds that you are entitled. Law firms like Millard & Bragg Attorneys at Law P.C. are experts in the insurance claims process and can help you get the results you deserve.
Call to schedule a consultation with the lawyer of your choosing to give you the peace of mind you need during this difficult time.
Just after 11a.m. this morning, multiple callers to 9-1-1 reported flames and billowing smoke coming from the second-story windows of a commercial building in the 12000 block of SW Main Street in downtown Tigard.
First-arriving firefighters began to attack the fire from inside and outside the building. They also searched to confirm that all the building’s occupants were safely evacuated. As fire conditions worsened, firefighters exited the building and continued to spray water from hose lines and an aerial stream. For more than an hour, firefighters worked to remove siding and extinguish hot spots in hard to reach void spaces to prevent the fire from rekindling.
There were no injuries as a result of the fire. An investigator remains on scene and will evaluate burn patterns and material evidence to determine where and how the fire started. The building housed four businesses including the bike shop that sustained the most damage. All businesses will like remain closed for some time due to water, fire and smoke damage. The building was insured, but did not contain a fire sprinkler system. When a fire sprinkler system is present, the likelihood of injuries and costly damage is dramatically reduced. More information about fire sprinkler systems can be found at: http://www.tvfr.com/index.aspx?nid=144
A TVF&R Investigator has determined that the area of origin for the fire was located one of the bedrooms of the home. The investigation remains open and ongoing. No damage estimate is available at this time.
Two residents of a home located at 18111 SW Kramien Road in Wilsonville were awoken by a quickly moving fire at approximately 6:05 a.m. today.
One resident was able to escape safely. A second resident was still inside the house.
As neighbors called 911, an off-duty TVF&R firefighter who lived nearby, was alerted to the fire via the PulsePoint app on his smartphone. TVF&R Firefighter Chris Mills and neighbor Jesse Keller pulled one adult woman to safety to on-scene medical crews.
Crews en route to the scene saw a large column of black smoke prompting escalation of the incident to a second-alarm response. This brought additional resources, including water tenders to shuttle water to the scene for firefighting.
On arrival, crews found a single-story house fully involved in fire. Crews began fighting the fire while additional crews tended to the rescued patient. Firefighters searched the home and confirmed no additional occupants were inside.
One patient sustained life-threatening injuries as a result of the fire and was transported by Life Flight helicopter to a local hospital. One patient was assessed on scene and taken to a local hospital for evaluation as a precaution. A number of animals were found on-scene, including four dogs, one cat, one parakeet, and a number of ducks and geese. Two dogs perished as a result of the fire.
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.
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.
An Insurance Policy is Just a Fancy Name for a Contract
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.