Have an attorney in your corner who specializes in property water damage insurance claims.

There are thousands of water claims filed in Oregon and Southwest Washington every year. When a home or structure is no longer safe to occupy, families and business owners need to seek shelter elsewhere. Not only is a loss of this nature an inconvenience, but it is also a financially and emotionally straining time. This is where your insurance company has a duty to provide you with proper coverage and pay on all covered losses.

When disaster strikes and you’re met with those dreaded words, “That’s Not Covered,” it can feel like all hope is lost. We work with our clients to ensure they understand their rights and provide them with a level playing field to gain the coverage they are entitled to and paid for. Millard & Bragg Attorneys at Law P.C. represents policyholders and NOT insurance companies.

Specialties:

For over 20 years, we have specialized in First Party Insurance Claims, Water Damage Claims, Property Insurance Claims, Construction Disputes, and Business Law. Based in Oregon City, we’ve served clients throughout the Northwest, earning a reputation as leaders in insurance and loss claims throughout the region.

Representation will help you get the coverage you deserve

Do not take on the insurance companies alone, they are not there to protect your legal interests.

Insurance companies benefit by minimizing your claims payout. After all, an insurance policy is a contract written by your insurance company. The Insurance Adjuster will have a series of questions they ask and how you answer them will greatly impact the quality of your benefits and payout. You should not admit to or sign anything without consulting a lawyer first. They will hammer you to sign for “Cleaning Services from Preferred Providers”, do not sign anything without consulting an attorney. After all, Insurance companies hardly ever make a decision without consulting their attorneys. They have legal help, you should too.

What To Do When You Experience Home Water Damage

After everyone is safe and evacuated, contact emergency services if the fire is still active or if anyone needs medical attention. As soon as possible, you should start documenting the damage as soon as it is safe to do so after the fire has been extinguished. Time-stamped documentation can be crucial in legal proceedings.

How To Catalog Your Damages:

1. Take Detailed Photos and Videos: Use a camera or smartphone to take extensive high-quality photos and videos of the entire property, both inside and outside. Capture close-up shots of damaged areas, structural issues, personal belongings, and any items of significant value. If possible, provide before-and-after photos or videos to demonstrate the extent of the water damage and the impact on your property.
2. Create an Inventory: Make a detailed inventory of all damaged items. Include descriptions, brands, models, purchase prices, and estimated replacement costs. Attach any receipts, warranties, or appraisals you have for these items.
3. Gather & Organize Documentation: Collect all relevant documentation, such as insurance policies, correspondence with your insurance company, estimates for repairs, invoices for cleanup and restoration services, and any reports or assessments from professionals (e.g., contractors, appraisers, or inspectors).
4. Document Damage Descriptions: Describe the damage in detail, including the extent of structural damage, water damage, and any other relevant information. Note any safety hazards or concerns that need immediate attention.
5. Keep a Record of Expenses: Track all expenses related to the water damage, including temporary accommodations, replacement purchases, cleanup costs, repair bills, and any other financial losses incurred as a result of the water.
6. Seek Professional Opinions: Obtain professional opinions and assessments from experts, such as water investigators, structural engineers, or restoration specialists. Include their reports and analyses in your documentation.
7. Maintain & Document Communication: Keep all communication records with your insurance company, contractors, and any other relevant parties. Note any agreements, disputes, or issues that arise during the claims process.
8. Consult with Your Attorney: Once you have compiled and organized your documentation, schedule a consultation with your attorney. Provide them with copies of all relevant records and discuss your case in detail.

We fight the Insurance Companies so you don’t have to!

Don’t let insurance disputes leave you feeling helpless. Contact Millard & Bragg Attorneys at Law P.C. today and let us help you navigate your insurance claim with confidence.

Contact Us Online Or Give Us A Call: 503-305-7806