5 Insurance Tips For Fire Evacuees

From KTVZ – for those affected by Oregon wildfires:

SALEM, Ore. (KTVZ) — The Oregon Division of Financial Regulation has five tips for homeowners and renters who have evacuated or been affected by fire, smoke and ash damage.

  • Call your insurance company. Let your company know if you have evacuated. Coverage is typically available for fire, smoke, and ash damage to your home and personal property.
  • Ask about your auto coverage, too. You need comprehensive coverage on your auto policy to cover fire, smoke, and ash damage, no matter where your vehicle is located at time of the loss.
  • If you had to evacuate, save your receipts and, when it is safe, let your insurance company know you evacuated. Your homeowners policy may pay for expenses such as lodging, food, and even pet boarding due to a mandatory evacuation. Be sure to check with your insurance company to confirm your specific coverage.
  • If you have not evacuated and it is safe to do so, make a quick home inventory by taking photos or video of each room in your home. Pay close attention to what is on the walls and in drawers and closets. Don’t forget storage areas such as the attic and garage. Check your insurance company’s website for an app or checklist that will help. Or use the Insure U Home Inventory Checklist.
  • If your personal belongings are damaged, the insurance company will request a list of items that are damaged or destroyed. Take some time to work on your home inventory list now. Look through your photos and videos to help recall personal items. Be sure to look for smaller items, such as jewelry. To the best of your ability, write down the age, original cost, and replacement cost of each item.

Following these tips will help save you money, time, and stress during a wildfire. For more information on preparing for a wildfire, visit the division’s wildfire page.

Oregonians that have been forced to evacuate their homes because of area wildfires should contact their insurance companies as soon as possible to let them know they have evacuated and discuss next steps. If you still have questions or concerns, the division’s Advocacy Team is here to help. Call the team at 888-877-4894 (toll-free) or visit dfr.oregon.gov.

If your law practice has been affected

All Rights Reserved 2020 Beverly Michaelis

Professional Liability Fund Extends April Payment Deadline

The Oregon State Bar Professional Liability Fund is allowing lawyers up to 60 days beyond the April 10, 2020 quarterly installment deadline to make the April payment without license suspension.

During the Extension Period, lawyers deferring payment will continue to be covered under the 2020 PLF Primary Coverage Plan.  If the PLF receives payment on or before June 10, 2020, we will also waive all late fees incurred during the Extension Period and allow the lawyer to continue participation in the installment plan under PLF Policy 3.300. This policy change does not impact the next installment payment, which is due on July 10, 2020.

As a reminder, because the OSB Bar Center has moved its operations offsite, we cannot accept payment in person.  Click here to pay your assessment online, or send your check to PO Box 231600, Tigard, OR 97281-1600 Attn: Accounting Department.

We hope this 60 day extension and waiver of late fees assist our lawyers to navigate the financial challenges presented by this COVID-19 pandemic.  Please let me know if you have any questions.  Please stay safe and healthy.

Read more here.

Advice for Oregon Lawyers Amid COVID19 Closures and Postponements

With COVID19 news changing daily here are some suggested guidelines for keeping clients informed. This list first appeared on March 17. Modify as needed to comply with Governor Brown’s anticipated Executive Order of March 23 and Chief Justice Walters’s coming update to CJO 20-006.

Keeping Clients Informed Amid COVID19

  • Post notices on your website.
  • Keep your outgoing voicemail message up-to-date.
  • Send an “all client” status email.
  • Post reduced hours or closures at your office.
  • Limit or suspend in-person client visits.
  • Conduct appointments by phone or video conference.
  • Work at home if you can. If you can’t, follow CDC recommended health practices like washing hands frequently and sanitizing surfaces.
  • Prioritize client files. Follow-up with clients whose matters are now postponed or those with upcoming court dates.
  • For specific client outreach, use your phone, not email. Why? Clients will have lots of questions. If you persist with email the likelihood is you’ll be bouncing back and forth for some time addressing all their concerns. You will save time by calling and clients will be reassured when they hear your voice. If calls are running long politely explain you have other clients anxious to hear from you.
  • Use staff to spread the load. They can be a huge help reaching out to and responding to clients.
  • Get virtual help if you need it. To avoid being overwhelmed by calls, consider services like Ruby Receptionist who can help you remotely.
  • If you feel overwhelmed, call the confidential Oregon Attorney Assistance Program. They are available to take your calls and emails.
  • If you are worried about potential legal malpractice claims, reach out to the PLF by email.
  • For ethics questions, see this FAQ. Bar counsel’s office is available by phone or email or you can reach out to private ethics counsel. Keep in mind this is a living document which bar counsel continues to update.
  • Practice patience and kindness – especially toward yourself

Staying On Top of the Latest News

Visit the Oregon State Bar home page frequently for what applies “today.” Current restrictions, closures, and postponements may change.

All rights reserved 2020 Beverly Michaelis

Court Operations Restricted, Statewide Postponements, OSB and PLF Closures

Trials and hearings statewide are postponed, with a few exceptions. Visit the Oregon State Bar home page for full details. Here is the announcement:

Oregon State Bar and Professional Liability Fund

The OSB Center, including the Professional Liability Fund, is CLOSED to visitors until March 31 and operating with reduced staff.

Going Forward

Status of state offices, administrative hearings, etc. are changing daily. Plan for reduced hours, reduced staff, and likely closures. Do what you can online and call or visit websites frequently for updates.

Keeping Clients Informed

  • Post notices on your website.
  • Keep your outgoing voicemail message up-to-date.
  • Send an “all client” status email.
  • Post reduced hours or closures at your office.
  • Limit or suspend in-person client visits.
  • Conduct appointments by phone or video conference.
  • Work at home if you can. If you can’t, follow CDC recommended health practices like washing hands frequently and sanitizing surfaces.
  • Prioritize client files. Follow-up with clients whose matters are now postponed or those with upcoming court dates.
  • For specific client outreach, use your phone, not email. Why? Clients will have lots of questions. If you persist with email the likelihood is you’ll be bouncing back and forth for some time addressing all their concerns. You will save time by calling and clients will be reassured when they hear your voice. If calls are running long politely explain you have other clients anxious to hear from you.
  • Use staff to spread the load. They can be a huge help reaching out to and responding to clients.
  • Get virtual help if you need it. To avoid being overwhelmed by calls, consider services like Ruby Receptionist who can help you remotely.
  • If you feel overwhelmed, call the confidential Oregon Attorney Assistance Program. They are available to take your calls and emails.
  • If you are worried about potential legal malpractice claims, reach out to the PLF by email.
  • For ethics questions, see this FAQ. Bar counsel’s office is available by phone or email or you can reach out to private ethics counsel.
  • Practice patience and kindness – especially toward yourself.

All rights reserved 2020 Beverly Michaelis

COVID19 Impacts Oregon Legal Community

Author’s Note: Court, Oregon State Bar, and PLF operations have changed since this post was published.

See: Court Operations Restricted, Statewide Postponements, OSB and PLF Closures.

COVID19 and the Oregon Legal Community

In a recent NW Sidebar post, the Washington State Bar Association explores whether the legal profession is ready for a pandemic. The upshot? Take COVID19 seriously and prepare now:

  • Create a list of important emergency numbers that can be quickly accessed in printed and electronic form.
  • Establish remote access to critical client records.
  • Prioritize your firm’s functions by criticality.
  • Have a “go kit” of technology, files, and other necessities if you need to work from home.
  • Review the answers to frequently asked questions published on the Oregon State Bar website.

For a complete list of suggested steps, see the ABA booklet Surviving a Disaster and resources from the Professional Liability Fund [Select “Disaster Response and Recovery” under Practice Management > Forms.]

For COVID19 specifically:

  • Ensure the workplace is clean and hygienic with surfaces regularly wiped down with disinfectant.
  • Promote hand-washing at the office with posters and other communication. And make sure visiting clients have places wash their hands with soap and water.
  • Brief staff and clients if COVID-19 starts spreading locally.
  • Direct anyone in the office with even a mild cough or low-grade fever (99 degrees F or more) to stay home, and make clear to employees that they will be able to count this time off as sick leave.

Law Firms Taking Action

On March 6, Reuters Legal reported that the Seattle office of K&L Gates has asked employees to work from home. Will Oregon firms follow suit, as the need arises? We should.

Status of Oregon State Bar and Professional Liability Fund Services

Meanwhile, the Oregon State Bar issued the following statement appearing on its home page:

As of March 12, Gov. Kate Brown has banned gatherings of more than 250 people within Oregon through April 8. Social distancing can reduce transmission of the virus, helping to delay and slow the spread of the COVID-19. The OSB will continue to monitor and follow recommendations from authorities and has already taken steps to reduce our own community impact. Our goal is to support and protect the well-being of our members and the public we all serve.

All live events, in-person CLEs, and in-person counseling services available through the Oregon State Bar, Professional Liability Fund, and Oregon Attorney Assistance Program are cancelled. Oregon lawyers can access practice management assistance and attorney assistance programs via phone, email, and video conferencing.

Court Operations

Check your local circuit court to learn how court operations are being affected in your area. Multnomah County Circuit Court has postponed trials, hearings, and arraignments. Check court websites frequently for further announcements. Be sure to scroll down to the heading “Latest News.” Read the guidelines issued by Chief Justice Walters here.

Workers Comp Board

All in-person hearings and mediations at all WCB locations have been cancelled. The WCB expects to resume hearings and mediations on Monday, March 30, 2020. Lawyers who have an urgent need on a particular case are directed to contact the assigned ALJ or mediator.

In addition, several health insurance companies have agreed to waive co-pays, co-insurance, and deductibles for COVID-19 testing. Visit the WCB COVID-19 page to learn more about the agreement and review frequently asked insurance and financial questions.

Act Now

You’ll be glad you did.

All Rights Reserved Beverly Michaelis 2020