Category Archives: Video

[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.

[VIDEO]: Let’s Talk About Liens with Fred Millard

Portland based Attorney Fred Millard has been practicing insurance, Construction and Business Law for over a decade. His unique background includes 17 years as the owner/operator of a successful Construction Company, as well as the owner/operator of an Insurance Adjusting Company.

Transcript

Let’s talk about liens. A construction lien is somebody’s right, whether it’s a material supplier whether it’s a contractor subcontractor – it could be somebody you never even met, you didn’t even know existed. But entity or person provided materials labor to your construction jobs. Even though you didn’t hire them as the owner, they may have been hired by a subcontractor, they may have been hired by a general contractor. You could and up being liened because that entity was not paid by whoever was supposed to pay them and even know you paid fully for the project you could end up paying again.

If you’re thinking about doing a construction project; whether it’s remodeling, whether it’s a new construction project, whether it’s an addition, whatever it is there are issues you need to consider before you sign on the dotted line. Many times issues that you should be considering before you enter a contract will raise their ugly head once construction is underway or even after construction is completed and if you don’t consider them be four you signed the contract before the construction project gets underway they could raise a very ugly head later on. So it would behoove you to see an attorney, come talk with me so we can discuss these issues before you sign a contract and make sure that you’re protected for later on. 

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

[VIDEO]: Fred Millard – Portland Insurance, Construction and Business Attorney Licensed in Oregon and Washington

Fred Millard has been practicing insurance, Construction and Business Law for over a decade. His unique background includes 17 years as the owner/operator of a successful Construction Company, as well as the owner/operator of an Insurance Adjusting Company. This diverse professional background has enabled Attorney Fred Millard to help his clients reach successful resolutions for their Insurance and Construction claims and cases, as well as various business transactions, and has provided our firm with the ability to specialize in First Party Insurance Claims and various facets of Construction Litigation.   

Transcript

You know let me tell you how I became I lawyer. I started out as a building contractor
an insurance adjuster I did that for almost 20 years. I learned but culture.  Every industry has
a culture whether its computers, whether it’s auto body repair whether it’s legal profession, the medical profession, the construction industry, insurance claims handling.  Everyone has a unique culture. So before I went to law school I spent twenty years, almost, in the insurance and construction cultures. 
 
I learned my areas of practice from the inside out.  Oftentimes I can tell what an insurance company is going to do before they even do it. I can walk onto a construction site and, given a little bit of time,  I can tell you what the problems are with the construction project why it’s halted – because of financing or lack of financing,
whether contractors are not getting paid, whether the the the design professionals are not getting paid. I have an innate sense to tell you this because I spent so many years doing it.
 

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