May 25, 2025 • 30 mins
Grow to Donate is helping food banks with leftover produce from gardens. Planning to dig? Plan to call 811. The Oregon DMV is making it easier to file crash reports. TripCheck turns 25. Oregon legislators look for ways to keep homeowners insurance in high fire risk areas.
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Episode Transcript
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Speaker 1 (00:04):
Welcome to Local Voices. I'm brad Ford. This week how
leftovers from your garden can help others who are hungry.
Before you do any digging around your house, you should
call eight one one. We'll tell you why. Oregon DMV
is making it easier to file crash reports. O DOT
celebrates the twenty fifth anniversary of tripcheck and what's being
done to help homeowners in high fire risk areas keep
(00:27):
their homeowners' insurance.
Speaker 2 (00:30):
Well.
Speaker 1 (00:31):
Nearly twenty percent of the Oregon Food Banks food supply
is threatened by federal funding cuts. A unique program brings
backyard gardeners in to help fill the gap. A coalition
important food security organizations launch the Grow to Donate initiative
Lift Ups. Cassandra Johnson says the partnership started with a
desire to mobilize local gardeners to help food banks.
Speaker 3 (00:52):
As an individual, you can still support a collective of
agencies doing good trying to provide nourishing food to their
neighbors in ways that just seem attainable.
Speaker 1 (01:01):
She says, even just one tomato or head of lettuce
can make a difference when pooled with others who are
doing the same thing. Heather Kuysler with Portland Fruit Tree
Projects says they take all kinds of food, but only
send the best quality to food banks.
Speaker 4 (01:15):
Something that has like some bug impacts or some rust,
or something where if somebody got it it wouldn't feel
like a respectful thing to give to them. That we
turn into preservation projects. We do cider presses, we make
gems and jellies, We.
Speaker 5 (01:27):
Do things like that.
Speaker 1 (01:28):
Kysler says, they know not everyone grows organically, and they'll
accept most crops.
Speaker 4 (01:32):
We ask them, do you spray this? Do you see
any like obvious problems that we should be aware of.
For the most part, the opposite is true for fruit
trees in Portland. Nobody takes care of them at all,
so we don't really have to worry that they've been sprayed.
Speaker 1 (01:44):
Cassado Johnson with Lift Up says the goal is to
make up for food lust to federal funding cuts.
Speaker 3 (01:50):
Where we're headed is towards our neighbors, helping neighbors, our
local community, filling in the gaps.
Speaker 1 (01:56):
Johnson says Lift Up brought together several organizations in a
new initiative called Grow to Donate.
Speaker 3 (02:02):
It was a collective effort coming up with just an
easy and tagable way for folks to get connected to
issues such as food security, but also feel like that
they can help.
Speaker 1 (02:12):
So far, the project is only available in the Portland area.
This is the time of year for yard projects. It's
also a good reminder to check for utilities. Brian Clerklely
with Northwest Natural joins us On Local Voices to explain
how the call eight one to one number works and
how it'll keep you safe. Brian, what are the utility
lines near our house? It might be underground on our property.
Speaker 6 (02:34):
Hey, so, yeah, some of the utilities that could be
underground or like natural gas and water, So things like
that important.
Speaker 1 (02:42):
Utilities now, aren't they buried deep?
Speaker 7 (02:46):
Yes, but we still like to get people to call
before they dig. That's just the most important thing. Call
before you dig. Call eight one one before you start
any yard projects. Better to be safe than sorry.
Speaker 1 (03:01):
And so what happens when I call that number, We.
Speaker 7 (03:05):
Will get a representative out to mark your ground and
see where any of those utility lines could be within
two days. So call before you dig two days before
you start any of those projects.
Speaker 1 (03:19):
Is there any cost associated with it?
Speaker 6 (03:22):
It's free, so no cost.
Speaker 1 (03:24):
Say I'm gonna dig anywhere in the yard, should I
make that call? Or only if I'm gonna dig up
near where the utilities might be.
Speaker 7 (03:32):
If you're gonna dig anywhere in your yard, make the
call call eight one to one before you do so.
Speaker 6 (03:38):
Like I said, it's better to be safe than sorry.
Speaker 1 (03:41):
Now is this for say I'm gonna just you know,
dig something small for a plant. Do I need to
do it for that or are we talking like irrigation systems.
Speaker 7 (03:51):
Definitely irrigation systems, uh, for digging plants, I would still
do it, like I said, just in case you might
be digging in an area that you don't know that
there's you know, an underground line or something.
Speaker 6 (04:03):
Just better to be safe than sorry.
Speaker 1 (04:05):
All right, tell us about the Northwest Natural Safety App.
Speaker 7 (04:09):
Yes, so we do have that safety app and you
can download it from the app store and we have
a whole bunch of information on.
Speaker 6 (04:17):
There like smell go rotten smell go let us know.
Speaker 7 (04:20):
So if you smell rotten egg oder in your inside
your house, leave the house immediately, And we have.
Speaker 6 (04:25):
Information on safe digging.
Speaker 7 (04:27):
So you can set a reminder to call before you
dig within that app and just find out a whole
bunch of other really cool things that in services that
we offer at Northwest.
Speaker 1 (04:38):
Natural, Great Bran, anything else you want to add, No, just.
Speaker 6 (04:41):
Download the app and call before you dig.
Speaker 1 (04:44):
Thanks for joining us.
Speaker 6 (04:45):
Brian.
Speaker 1 (04:45):
That's Brian Clerklay with Northwest Natural and information about the
eight to one one service. It's free, just call it
before you dig. Drivers involved in a crash usually have
to file a real with a state, and the Oregon
DMV is making it easier. Sarah Kack with the Oregon
DMB joins us on local Voices. Sarah tell us about
(05:07):
a new system to file a crash report.
Speaker 8 (05:10):
Yeah, so the new system is really incredible, as so
many Oregonians, many drivers. They already have existing profiles on
dmbtu dot organ dot gov. It's our online DMB portal
that has more than twenty transactions and now that the
online collision report is one of them. So the Organ
(05:32):
Traffic Collision and Insurance Report. This is a report that
if there are multiple different scenarios so such as injury
or death resulting from the collision or damage to the
vehicle is over two thousand, five hundred dollars damage to
anyone's property other than a vehicle involved in the collision
(05:52):
is over two thousand, five hundred dollars, or damage to
any vehicle is over two thousand, five hundred dollars in
any vehicle is towed from this scene, that the drivers
have a by law seventy two hours after the motor
vehicle collision to file this report. So previously it was
(06:15):
fillable PDF that could be done on desktop only, not
any type of planes, and or you could fax it,
or you could take it to an office, and all
of those options take time. Now with the new online system,
you just log into DMBTU, so it's a very very
simple process. All of the information that you already have
(06:37):
saved in your profile will be auto populated that you
can upload images files if there are several pre drawn
diagrams that you can choose from instead of hand trying
to draw on the form what happened. So we did
a lot of user experience testing to make sure that
(06:59):
this collisionary really is very user friendly. We're always putting
our customers first in every way possible, and this is
just one more self service option that dmb is really
proud to be able to put out. Because when you
get in an accident, I've been in an accident before
and thankfully everyone was fine, but I was very frazzled,
(07:20):
and it's not In order to file this report, we
really want to make sure that for whatever the scenario
that the customer is going through, this is as easy
as we can possibly make it, so they can, you know,
fulfill the requirement of doing the report if it's one
(07:41):
of the situations where it's by law they need to report.
We want to make it as user friendly as possible,
so at least one thing can go, hopefully very smoothly
during that gary your stressful situation, it is, it's stressful.
Speaker 1 (07:57):
I think you touched on this. But you can also
file these smartphones.
Speaker 8 (08:02):
Ah, yes, yes, so that's one thing I love about
it is I bring my cell pH with me everywhere,
my smartphone, and so thank you for bringing that up
rat so you can wherever you're at, I mean, while
it's fresh. If you're waiting for a toe truck, for example,
or you're waiting for your friend, you can write then
and there just fill it out on your smartphone. It's
(08:22):
very mobile friendly. We did a lot of testing and
I tried it on my phone when we were doing
the testing and it's really really awesome, very user friendly.
People can still use desktop, of course, if that's the preference.
That we like to give options whenever possible, so options
are good, So smartphone or desktop the form, the online
(08:43):
form works for either one.
Speaker 1 (08:45):
Now do you have to create the report at the
time you send it or can you save it and
work on it over a couple of days?
Speaker 8 (08:53):
That is an excellent question, so you can start it
and then if it's not a great time to you
don't have all the information. It's saved in your file
for thirty days. So the safe report would be on
your profile under access dave DMBTU submissions. You can just
go to that and easily see it and continue filling
(09:13):
it out and save as you go. I do want
to share that after thirty days, customers will need to
restart anew online report, so they have thirty full days
where it'll be saved and they can stop and go
as worked best for schedules.
Speaker 1 (09:29):
Yeah, I think you said that there were twenty options
that are available on the DMV's website so that you
don't have to go to the DMV field office. You're
really making it convenient for people to take care of
things and not have to wait in line.
Speaker 8 (09:43):
That's our goal, That's what we're always striving to do.
We really want to make the as many options as
possible that are self service so our customers, they are
so important, we want them to be able to choose
what is the best service for them, whether they want that,
you know, face to face contact with someone in office,
or if they want to be able to be wherever
(10:04):
they are at with an Internet connection and just hop
onto d n B to you and do more than
any of the more. We have more than twenty transactions
available on d MB to you, so this is just
one more and for other things like our printing registrations,
renewing registrations. We now have self service kiosks at ten
(10:25):
different frontlier stores in organ so we're really expanding the
way that we are modernizing the options available to customers
at DMB.
Speaker 1 (10:36):
Sure, anything else i'd like to add?
Speaker 8 (10:39):
Yes, One more thing I want to add is that
we really want to remind and encourage people when you
are using this new online report to save the printable
version of the report. If download a copy, print it,
because once it's submitted, they will not be able to
get one later. So we just wanted to put out
that reminder of there's through the system, but you can't
(11:01):
say it enough times. To just make sure that when
you're submitting the report, before it's submitted, download a copy
or print the report that you're going to be submitting
because it will not be available later. And then I
just want to make sure that I've mentioned customers can
select from prepared diagrams for the most common collision situations,
(11:23):
and they have the option to upload their documents and photos.
These are added features that are only available through this
online collision report. Again looking at how to make it
as user friendly, easy as possible, and convenient as possible
for our customers.
Speaker 1 (11:41):
Sarah, thanks for joining us on Local Voices. That's Sarah
Keck with the Oregon DMV and details on their new
online crash reporting system for drivers who are involved in
a crash. It was twenty five years ago that the
Oregon Deproperative Transportation launched the website trip check. It is
now the go to site for travel in Oregon. Don
(12:01):
Hamilton with the Oregon Department of Transportation joins us on
Local Voices. Don what does tripcheck do well?
Speaker 2 (12:07):
Tripcheck really carries everything. It's got all kinds of traveler
information in there too. It's got information about road closures,
it's got information about openings. That's got It really tells
travelers all over the state, information about what's going on
on the roads everywhere around the state. It's really more
than just the roads though. It tells everybody about weather,
(12:31):
it tells everybody about closures, It tells everybody about where
to go in the state when you're traveling around the
state of Oregon.
Speaker 1 (12:38):
How did tripcheck start?
Speaker 2 (12:42):
It started? There was never sort of a lightning strike.
It started from such really humble beginnings. They were starting
with some cameras on some projects and we started giving
those out to the news media and then some bright
bald in here said, you know, we should put this
online online. What was that twenty five years ago? And
(13:04):
we started putting it out and it was really just
a couple of cameras and a couple of links out there,
and it just started growing from there and we've got
it where it is today. Something much huger. We've helped
millions of travelers around the state now over the last
twenty five years.
Speaker 1 (13:22):
Yes, we have. In the last twenty five years. How
has it changed? What's been added, we now.
Speaker 2 (13:26):
Have nearly eleven hundred cameras available on tripcheck. Now six
hundred and forty two of them are from Odot soon
to be six hundred and fifty eight are from Modot alone,
and a lot of them are from other jurisdictions as well.
The cameras are clearly the most popular part of what
we do, so it's really grown so much in the
(13:49):
great variety of services that we offer out there. So
I think that it's really offered so many different ways.
Let's remember a couple of different things. We have the
cameras out there too. But on those cameras, very often
they offer temperature and they offer altitude. So you can
(14:09):
go to those cameras and you can learn a lot
about your route, not just a condition of the road
where you're going.
Speaker 1 (14:15):
Yeah, I've used it during the winter time to you know,
see what's the temperature at certain points along where I'm
going to be going, whether it's over a mountain pass
or whether it's over Sylvan Hill and you know, is
Silvan Hill snow covered or you know, is it better
to take I five? And those cameras really give you
a great way to be able to know what's going on,
But they also have information about whether you know the
speeds that are going on the freeways. So if I'm
(14:37):
going to go to a part of the city where
I don't normally travel, and I can look at that
and see, oh, okay, well I don't normally go on
I five in that area at this time, and it's
you know, it's backed up, and so I mean, that's
terrific information that it provides. But let me ask you this,
does trip check have information for people other than drivers
mass transit?
Speaker 2 (14:54):
Maybe there's really lots of different resources for people we
know who really ca rely on their personal vehicles. We
offer links to mass transit and bicycling and walking opportunities,
parking ride sites, commuting carpool car chairs, passenger rail locations
in airports. There's all kinds of traveler information in there
(15:15):
that really, you know, don't have a lot to do
with personal cars. So there's just so many different options
available on tripcheck that go way beyond just if you're
driving down I five or out I eighty four. There's
a lot of different opportunities for you, for travelers, for
anybody on there too, that are so far beyond just
(15:35):
off the highway and not on the highway itself. There's
a lot of different things you can learn on tripcheck
dot com.
Speaker 1 (15:41):
Is there a feature on tripcheck that's most popular among users?
Speaker 2 (15:46):
Really? The cameras remain by far the most popular option
on there too. People for the most part go for
the cameras. It's a lot more than just the cameras,
but that's really what people go there for, is to
see cameras, and that offers so many different opportunities for you.
One of the things that we do is we always
(16:07):
urge travelers to plan ahead, and trip check really lets
them do exactly that. It's really become trip check an
indispensable tool for travelers really across the state of Oregons.
It's really easy to see about how it's become so
important and so ingrained and indispensable to travelers in Oregon.
(16:29):
We always say go to tripcheck dot com. Everybody says
go to tripcheck dot com. It's just become such an
ingrained part of what we do in Oregon. Tripcheck dot Com.
We're marking twenty five years right now, and we're going
to be offering more and more features in the years
ahead as we go forward.
Speaker 1 (16:46):
Now, i's going to ask how will trip check change
in the future.
Speaker 2 (16:49):
Technology is coming at us very very quickly, and automated
vehicles are starting to develop and evolve around the rest
of the country. But there's the cars are communicating with
information at the side of the road. That's going to
allow us to communicate services more, what are the safety
conditions on the road, what are the conditions on the
(17:10):
road too, So a lot of the information that we're
getting on the road is going to be more and
more quickly conveyed to the people in the cars, but
we're going to be doing everything we can to get
information to the travelers on the road out there too.
So that's one of the things that we're going to
be seeing increases out there too in the services and
(17:31):
the conditions with the information at the side of the road,
because there's more conveyors and more information there at the
side of the road, and more information in the cars themselves,
And that is a two way traveler information service that's
going to be going on. It's really a two way service.
Speaker 1 (17:49):
That's Don Hamilton with the Oregon Department of Transportation on
the twenty fifth anniversary of the website tlipcheck. It's happened
in California, and it's starting to happen in Oregon. Homeowners
are losing insurance coverage if they live in high risk
fire areas. If they're not losing it, the cost is
going up significantly. Oregon legislators are looking for ways to
(18:10):
keep that insurance. Canton Bryan, president of the Northwest Insurance Council,
told lawmakers the cost of disasters is skyrocketing and insurance
companies need to reduce their risk or go out of business.
Speaker 9 (18:22):
The big picture of what's happening, which is happening across
the country, not just in Oregon, is we've got a
combination of increasing risk and increasing losses piled up against
dramatic increases in the cost of repairing and replacing structures.
The increase in natural catastrophe losses in the United States
(18:42):
has been absolutely stunning, dramatic, tragic, and stunning. So we
go from a period of things being in the millions
or hundreds of millions of dollars forty years ago to
last twenty twenty three, losses related to natural disasters. Disasters
were one hundred and sixty eight billion dollars in twenty
(19:04):
twenty three, and one hundred and eighty two billion dollars
in twenty twenty four. The Los Angeles fires alone will
end up being in the twenty to thirty billion dollar range.
And while other natural disasters are terrible and devastating, and
we've seen a lot of hurricanes and tornadoes and floods
in recent years, you know, wildfire at the cost of
(19:25):
replacing a roof from a windstorm is different than the
cost of replacing an entire home or in the case
of Oregon, you know, four thousand homes. So at the
same time, we're also seeing costs in construction going up
exponentially higher than the Consumer Price Index, as high as
twenty seven percent in twenty twenty one. That's been kind
(19:47):
in about in half, but still is higher than the CPI.
And then an element that a lot of people don't
know about or talk about much is reinsurance. That's insurance
for insurance companies, and reinsurance companies act very much same
way that insurance companies do. They want to know what
their risk is that they're going to be paying for.
So reinsurance comes in and either backfills reserves that insurers have,
(20:11):
or it actually if a loss reaches a certain level
and the insurer is paid out to that level, then
the resurance steps in to pay claims and those for
there was a period of time when insurance companies were
getting half the coverage for twice the price. And I
know that's a familiar sounding thing for consumers in Oregon,
But if an insurer can't get reinsurance, then they have
(20:32):
to consider how many homes they can insure, because if
they have a natural disaster of scale like we saw
in Oregon in twenty twenty, they simply cannot pay all
those claims. Then they end up becoming insolvent, which doesn't
do anyone any good, not the insurance company and not
the consumers who paid for those insurance policies.
Speaker 1 (20:48):
Cat And Brian, president of the Northwest Insurance Council, says
insurance companies have been losing money for insurers.
Speaker 9 (20:55):
The result has been that for a period of time
about five years, insurers were upside a year over year
for as high as one hundred and twelve percent in
a combined loss ratio, which really means that for every
dollar earned in premium, they paid out a dollar twelve
in property claims. On average, across the United States in
(21:16):
twenty twenty, three, those numbers are improving, and that's really
good news for insurers but also for consumers. The bottom
line there shows that across the country, according to SMP Global,
Personal Lined PNC, that's home insurance and auto insurance for
personal lined consumers reported underwriting profit in twenty twenty four,
(21:37):
and that's the first time since twenty nineteen that they've
had an underwriting profit. But that underwriting profit, as you
can see, is a narrow margin. That's ninety nine point
seven cents for every dollar earned premium.
Speaker 6 (21:49):
That's a good sure.
Speaker 1 (21:49):
A theory on why that changed, on why the industry
went from in the red to in the black, Oh.
Speaker 9 (21:55):
I think it's probably due to the things that you
have seen in the market. It's due to insure ensuring
througher high risk properties and also increasing their premiums because
they went through this period of time where premiums were
pretty flat. That means during that period of time what
I like to call the Golden Age ten years ago,
(22:17):
insurers were competing with each other for your business, and
they were fighting each other.
Speaker 6 (22:22):
You know.
Speaker 9 (22:22):
That's why you've seen all those ads from all those
insurance companies. They wanted to sell a lot of insurance
and they wanted to beat their competitors. As we've seen
losses increase, insurers are losing money on every policy they write,
so they have to reduce their risk exposure in order
to obtain reinsurance and not go belly up, and they
(22:43):
also have to increase premium. And now we've seen that
that premium may be catching up to the risk level,
and that's a good sign because it's of course it's
a difficult challenge for people to afford insurance when it
goes up one hundred percent or two hundred percent or more,
but the insurance companies have had to act in that
way in order to stabilize that market and be able
(23:04):
to continue to provide insurance to the people they're selling it.
Speaker 1 (23:06):
So what will it take to maintain insurance in the
opinion of insurance providers.
Speaker 9 (23:11):
Oregon allows insurers to use catastree models and risk scores
that are based in science in order to understand the
risk that they are being asked to ensure and set
appropriate premiums for those risks. Improving parcel level mitigation through
education and grant funding. A lot of that has been
occurring in Oregon. I think you're ahead of other states
(23:33):
in that regard, and you're about to take a big
leap forward with the work. The fire thirty five is recommended.
I do want to emphasize the first new no harm
it's the California idea has been mentioned. Oregon has taken
a really thoughtful approach to how they work with the
insurance industry, as opposed to sort of arbitrarily imposing mandates
and requirements. The things that Oregon has already done, they're
(23:56):
good things for consumers, but they come at a cost.
The more mandates that are imposed on insurers, the more
difficult it becomes for insurers to continue to provide insurance
at a reasonable cost for consumers.
Speaker 1 (24:08):
Marianna Rui's temple is the state of Oregon fire marshal.
Speaker 5 (24:11):
Wildfires are increasing in size, complexity, and impacts to organ Specifically,
if you look at the last ten years compared to
the previous ten years, wildfires have impacted communities at a
rate of two hundred and forty six percent increase. Oregon
has been watching the slow evolution for decades, but certainly
within the last ten years, Oregon has been thrown full
(24:33):
throttle into a different wildfire reality. For Oregon, and a
lot of the work that this committee touches on. Certainly,
we are seeing communities destroyed, homes and fuels. Homes are
becoming fuels, and it really has devastating impacts to our people,
our business businesses, our livelihoods, and really stabilization of our
(24:56):
insurance market is key if we're going to create resilience
and local and financial financial stability. I just wanted to
highlight that this fire season is a really good example
of why this is an important conversation. This season alone
marks the first season in my career that both the
state of Oregon and Washington are seeing an elevated risk
(25:20):
around the entire state. This becomes important because when we
talk about competition of resources and our ability to protect communities,
that we will have an elevated risk in both states
across the entire state is alarming as we talk about
what the ramifications from wildfire and communities could be. On
(25:43):
May second, the Oregon Department of State Fire Marshal and
the Institute for Business and Home Safety signed as a
memorandum of an understanding. It's the second in a nation
and it really sets a signal that the State of
Oregon is interested in how we can help promote in
public private partnerships, the relationship between government and insurance. How
(26:06):
that builds resilience in communities, how that helps Orgonians build
resilience for their property and themselves. But also that we
are taking a proactive step to make sure that we
are partnering with our insurance as we know that that
is not only having devastating impacts to Oregonians and raising
insurance rates, but certainly how communities and state governments see
(26:29):
themselves as playing a role in helping to build resilience
and bringing insurance to the table.
Speaker 1 (26:33):
The Urgon legislature approved creating a wildfire risk map to
require steps to reduce the wildfire risk, but criticism has
cause the legislatures consider eliminating that map. Orereas Temple says
voluntary compliance won't be enough to satisfy insurance companies.
Speaker 5 (26:49):
With the kind of the state posture. Taking a look
at voluntary compliance the route of getting folks to want
to do this work, that's really where we're at right
probably in a place where Oregon is lucky to be
second in the nation in terms of how many communities
are fire wise communities. That's a really good thing. Our
(27:09):
ability to partner with IBHS is that stair step, as
Steve said, to bring communities up to a more prepared,
you know, neighborhood for wildfare prepared neighborhood. That's going to
take social acceptance of those actions at the local level
to get there. It's going to take the state investing
in mitigation and defensible space and education. So I think
(27:33):
we're starting our journey. We've started a new focus on
how we're going to get there. I think there's been
a lot of good investment in Ceneviille seven sixty two.
We've seen tremendous amount of work at the local and
county levels, and we've seen people want this work to
be done. So I would say that we're starting a
new journey and getting there through a voluntary reproach. But
(27:54):
programs like this will help Oregonians and help communities get there.
I think it's going to contain. It will take a
continued sustained investment to make sure that we're continuing that pathway.
Over the last five years year area where we've had
to pivot, we've had to retreat, we've had to take
different looks at it. But I'm optimistic with things like
(28:18):
CENABIL eighty two with insurance making sure that they're a
very active contributor to this conversation and communities want this work.
I feel really good about the pathway we're on, but
it will take continued investment. It will take all of us.
I think when you take a look at community risk reduction,
and that's at the core what we're talking about, it
takes a lot of different things. It takes education, it
(28:39):
takes incentivization, it takes enforcement. So that's the code piece.
And when we're taking a look at having a different
posture around enforcement, going from a statewide strategy to a
local adoption strategy, that is going to take a bit
more time than what we might have looked at if
we were looking at Senate Bill seven sixty two. And
that's why it's the importance of public price a partnerships,
(29:00):
that continued investment in education and centivization and how do
we bring people to the table. And so I do
think it's a longer strategy. I think it's the right
strategy for organ though if we're talking about organs accepting
our wildfire risk, but we're talking community risk reduction, and
it's not just state government, it's all the way down
to the Oregonian level, that we all play a role
(29:23):
in our own resilience, and certainly having insurance at the
table is one of the best partners that we can
have as we kind of go through a new way
of how we're going to address wildfire and.
Speaker 1 (29:31):
Organ that's Oregon State Fire Marshall Mariano Ruiz Temple discussing
wildfire risk and Oregon and what can be done to
reduce the risk so homeowners can avoid losing insurance policies.
Thanks for listening to Local Voices, I'm brad Ford. You
can hear past episodes on the iHeartRadio app under the
podcast tab. Local Voices is a public affairs presentation from iHeartRadio.
Welcome to Local Voices. I'm brad Ford. This week how
leftovers from your garden can help others who are hungry.
Before you do any digging around your house, you should
call eight one one. We'll tell you why. Oregon DMV
is making it easier to file crash reports. O DOT
celebrates the twenty fifth anniversary of tripcheck and what's being
done to help homeowners in high fire risk areas keep
(00:27):
their homeowners' insurance.
Speaker 2 (00:30):
Well.
Speaker 1 (00:31):
Nearly twenty percent of the Oregon Food Banks food supply
is threatened by federal funding cuts. A unique program brings
backyard gardeners in to help fill the gap. A coalition
important food security organizations launch the Grow to Donate initiative
Lift Ups. Cassandra Johnson says the partnership started with a
desire to mobilize local gardeners to help food banks.
Speaker 3 (00:52):
As an individual, you can still support a collective of
agencies doing good trying to provide nourishing food to their
neighbors in ways that just seem attainable.
Speaker 1 (01:01):
She says, even just one tomato or head of lettuce
can make a difference when pooled with others who are
doing the same thing. Heather Kuysler with Portland Fruit Tree
Projects says they take all kinds of food, but only
send the best quality to food banks.
Speaker 4 (01:15):
Something that has like some bug impacts or some rust,
or something where if somebody got it it wouldn't feel
like a respectful thing to give to them. That we
turn into preservation projects. We do cider presses, we make
gems and jellies, We.
Speaker 5 (01:27):
Do things like that.
Speaker 1 (01:28):
Kysler says, they know not everyone grows organically, and they'll
accept most crops.
Speaker 4 (01:32):
We ask them, do you spray this? Do you see
any like obvious problems that we should be aware of.
For the most part, the opposite is true for fruit
trees in Portland. Nobody takes care of them at all,
so we don't really have to worry that they've been sprayed.
Speaker 1 (01:44):
Cassado Johnson with Lift Up says the goal is to
make up for food lust to federal funding cuts.
Speaker 3 (01:50):
Where we're headed is towards our neighbors, helping neighbors, our
local community, filling in the gaps.
Speaker 1 (01:56):
Johnson says Lift Up brought together several organizations in a
new initiative called Grow to Donate.
Speaker 3 (02:02):
It was a collective effort coming up with just an
easy and tagable way for folks to get connected to
issues such as food security, but also feel like that
they can help.
Speaker 1 (02:12):
So far, the project is only available in the Portland area.
This is the time of year for yard projects. It's
also a good reminder to check for utilities. Brian Clerklely
with Northwest Natural joins us On Local Voices to explain
how the call eight one to one number works and
how it'll keep you safe. Brian, what are the utility
lines near our house? It might be underground on our property.
Speaker 6 (02:34):
Hey, so, yeah, some of the utilities that could be
underground or like natural gas and water, So things like
that important.
Speaker 1 (02:42):
Utilities now, aren't they buried deep?
Speaker 7 (02:46):
Yes, but we still like to get people to call
before they dig. That's just the most important thing. Call
before you dig. Call eight one one before you start
any yard projects. Better to be safe than sorry.
Speaker 1 (03:01):
And so what happens when I call that number, We.
Speaker 7 (03:05):
Will get a representative out to mark your ground and
see where any of those utility lines could be within
two days. So call before you dig two days before
you start any of those projects.
Speaker 1 (03:19):
Is there any cost associated with it?
Speaker 6 (03:22):
It's free, so no cost.
Speaker 1 (03:24):
Say I'm gonna dig anywhere in the yard, should I
make that call? Or only if I'm gonna dig up
near where the utilities might be.
Speaker 7 (03:32):
If you're gonna dig anywhere in your yard, make the
call call eight one to one before you do so.
Speaker 6 (03:38):
Like I said, it's better to be safe than sorry.
Speaker 1 (03:41):
Now is this for say I'm gonna just you know,
dig something small for a plant. Do I need to
do it for that or are we talking like irrigation systems.
Speaker 7 (03:51):
Definitely irrigation systems, uh, for digging plants, I would still
do it, like I said, just in case you might
be digging in an area that you don't know that
there's you know, an underground line or something.
Speaker 6 (04:03):
Just better to be safe than sorry.
Speaker 1 (04:05):
All right, tell us about the Northwest Natural Safety App.
Speaker 7 (04:09):
Yes, so we do have that safety app and you
can download it from the app store and we have
a whole bunch of information on.
Speaker 6 (04:17):
There like smell go rotten smell go let us know.
Speaker 7 (04:20):
So if you smell rotten egg oder in your inside
your house, leave the house immediately, And we have.
Speaker 6 (04:25):
Information on safe digging.
Speaker 7 (04:27):
So you can set a reminder to call before you
dig within that app and just find out a whole
bunch of other really cool things that in services that
we offer at Northwest.
Speaker 1 (04:38):
Natural, Great Bran, anything else you want to add, No, just.
Speaker 6 (04:41):
Download the app and call before you dig.
Speaker 1 (04:44):
Thanks for joining us.
Speaker 6 (04:45):
Brian.
Speaker 1 (04:45):
That's Brian Clerklay with Northwest Natural and information about the
eight to one one service. It's free, just call it
before you dig. Drivers involved in a crash usually have
to file a real with a state, and the Oregon
DMV is making it easier. Sarah Kack with the Oregon
DMB joins us on local Voices. Sarah tell us about
(05:07):
a new system to file a crash report.
Speaker 8 (05:10):
Yeah, so the new system is really incredible, as so
many Oregonians, many drivers. They already have existing profiles on
dmbtu dot organ dot gov. It's our online DMB portal
that has more than twenty transactions and now that the
online collision report is one of them. So the Organ
(05:32):
Traffic Collision and Insurance Report. This is a report that
if there are multiple different scenarios so such as injury
or death resulting from the collision or damage to the
vehicle is over two thousand, five hundred dollars damage to
anyone's property other than a vehicle involved in the collision
(05:52):
is over two thousand, five hundred dollars, or damage to
any vehicle is over two thousand, five hundred dollars in
any vehicle is towed from this scene, that the drivers
have a by law seventy two hours after the motor
vehicle collision to file this report. So previously it was
(06:15):
fillable PDF that could be done on desktop only, not
any type of planes, and or you could fax it,
or you could take it to an office, and all
of those options take time. Now with the new online system,
you just log into DMBTU, so it's a very very
simple process. All of the information that you already have
(06:37):
saved in your profile will be auto populated that you
can upload images files if there are several pre drawn
diagrams that you can choose from instead of hand trying
to draw on the form what happened. So we did
a lot of user experience testing to make sure that
(06:59):
this collisionary really is very user friendly. We're always putting
our customers first in every way possible, and this is
just one more self service option that dmb is really
proud to be able to put out. Because when you
get in an accident, I've been in an accident before
and thankfully everyone was fine, but I was very frazzled,
(07:20):
and it's not In order to file this report, we
really want to make sure that for whatever the scenario
that the customer is going through, this is as easy
as we can possibly make it, so they can, you know,
fulfill the requirement of doing the report if it's one
(07:41):
of the situations where it's by law they need to report.
We want to make it as user friendly as possible,
so at least one thing can go, hopefully very smoothly
during that gary your stressful situation, it is, it's stressful.
Speaker 1 (07:57):
I think you touched on this. But you can also
file these smartphones.
Speaker 8 (08:02):
Ah, yes, yes, so that's one thing I love about
it is I bring my cell pH with me everywhere,
my smartphone, and so thank you for bringing that up
rat so you can wherever you're at, I mean, while
it's fresh. If you're waiting for a toe truck, for example,
or you're waiting for your friend, you can write then
and there just fill it out on your smartphone. It's
(08:22):
very mobile friendly. We did a lot of testing and
I tried it on my phone when we were doing
the testing and it's really really awesome, very user friendly.
People can still use desktop, of course, if that's the preference.
That we like to give options whenever possible, so options
are good, So smartphone or desktop the form, the online
(08:43):
form works for either one.
Speaker 1 (08:45):
Now do you have to create the report at the
time you send it or can you save it and
work on it over a couple of days?
Speaker 8 (08:53):
That is an excellent question, so you can start it
and then if it's not a great time to you
don't have all the information. It's saved in your file
for thirty days. So the safe report would be on
your profile under access dave DMBTU submissions. You can just
go to that and easily see it and continue filling
(09:13):
it out and save as you go. I do want
to share that after thirty days, customers will need to
restart anew online report, so they have thirty full days
where it'll be saved and they can stop and go
as worked best for schedules.
Speaker 1 (09:29):
Yeah, I think you said that there were twenty options
that are available on the DMV's website so that you
don't have to go to the DMV field office. You're
really making it convenient for people to take care of
things and not have to wait in line.
Speaker 8 (09:43):
That's our goal, That's what we're always striving to do.
We really want to make the as many options as
possible that are self service so our customers, they are
so important, we want them to be able to choose
what is the best service for them, whether they want that,
you know, face to face contact with someone in office,
or if they want to be able to be wherever
(10:04):
they are at with an Internet connection and just hop
onto d n B to you and do more than
any of the more. We have more than twenty transactions
available on d MB to you, so this is just
one more and for other things like our printing registrations,
renewing registrations. We now have self service kiosks at ten
(10:25):
different frontlier stores in organ so we're really expanding the
way that we are modernizing the options available to customers
at DMB.
Speaker 1 (10:36):
Sure, anything else i'd like to add?
Speaker 8 (10:39):
Yes, One more thing I want to add is that
we really want to remind and encourage people when you
are using this new online report to save the printable
version of the report. If download a copy, print it,
because once it's submitted, they will not be able to
get one later. So we just wanted to put out
that reminder of there's through the system, but you can't
(11:01):
say it enough times. To just make sure that when
you're submitting the report, before it's submitted, download a copy
or print the report that you're going to be submitting
because it will not be available later. And then I
just want to make sure that I've mentioned customers can
select from prepared diagrams for the most common collision situations,
(11:23):
and they have the option to upload their documents and photos.
These are added features that are only available through this
online collision report. Again looking at how to make it
as user friendly, easy as possible, and convenient as possible
for our customers.
Speaker 1 (11:41):
Sarah, thanks for joining us on Local Voices. That's Sarah
Keck with the Oregon DMV and details on their new
online crash reporting system for drivers who are involved in
a crash. It was twenty five years ago that the
Oregon Deproperative Transportation launched the website trip check. It is
now the go to site for travel in Oregon. Don
(12:01):
Hamilton with the Oregon Department of Transportation joins us on
Local Voices. Don what does tripcheck do well?
Speaker 2 (12:07):
Tripcheck really carries everything. It's got all kinds of traveler
information in there too. It's got information about road closures,
it's got information about openings. That's got It really tells
travelers all over the state, information about what's going on
on the roads everywhere around the state. It's really more
than just the roads though. It tells everybody about weather,
(12:31):
it tells everybody about closures, It tells everybody about where
to go in the state when you're traveling around the
state of Oregon.
Speaker 1 (12:38):
How did tripcheck start?
Speaker 2 (12:42):
It started? There was never sort of a lightning strike.
It started from such really humble beginnings. They were starting
with some cameras on some projects and we started giving
those out to the news media and then some bright
bald in here said, you know, we should put this
online online. What was that twenty five years ago? And
(13:04):
we started putting it out and it was really just
a couple of cameras and a couple of links out there,
and it just started growing from there and we've got
it where it is today. Something much huger. We've helped
millions of travelers around the state now over the last
twenty five years.
Speaker 1 (13:22):
Yes, we have. In the last twenty five years. How
has it changed? What's been added, we now.
Speaker 2 (13:26):
Have nearly eleven hundred cameras available on tripcheck. Now six
hundred and forty two of them are from Odot soon
to be six hundred and fifty eight are from Modot alone,
and a lot of them are from other jurisdictions as well.
The cameras are clearly the most popular part of what
we do, so it's really grown so much in the
(13:49):
great variety of services that we offer out there. So
I think that it's really offered so many different ways.
Let's remember a couple of different things. We have the
cameras out there too. But on those cameras, very often
they offer temperature and they offer altitude. So you can
(14:09):
go to those cameras and you can learn a lot
about your route, not just a condition of the road
where you're going.
Speaker 1 (14:15):
Yeah, I've used it during the winter time to you know,
see what's the temperature at certain points along where I'm
going to be going, whether it's over a mountain pass
or whether it's over Sylvan Hill and you know, is
Silvan Hill snow covered or you know, is it better
to take I five? And those cameras really give you
a great way to be able to know what's going on,
But they also have information about whether you know the
speeds that are going on the freeways. So if I'm
(14:37):
going to go to a part of the city where
I don't normally travel, and I can look at that
and see, oh, okay, well I don't normally go on
I five in that area at this time, and it's
you know, it's backed up, and so I mean, that's
terrific information that it provides. But let me ask you this,
does trip check have information for people other than drivers
mass transit?
Speaker 2 (14:54):
Maybe there's really lots of different resources for people we
know who really ca rely on their personal vehicles. We
offer links to mass transit and bicycling and walking opportunities,
parking ride sites, commuting carpool car chairs, passenger rail locations
in airports. There's all kinds of traveler information in there
(15:15):
that really, you know, don't have a lot to do
with personal cars. So there's just so many different options
available on tripcheck that go way beyond just if you're
driving down I five or out I eighty four. There's
a lot of different opportunities for you, for travelers, for
anybody on there too, that are so far beyond just
(15:35):
off the highway and not on the highway itself. There's
a lot of different things you can learn on tripcheck
dot com.
Speaker 1 (15:41):
Is there a feature on tripcheck that's most popular among users?
Speaker 2 (15:46):
Really? The cameras remain by far the most popular option
on there too. People for the most part go for
the cameras. It's a lot more than just the cameras,
but that's really what people go there for, is to
see cameras, and that offers so many different opportunities for you.
One of the things that we do is we always
(16:07):
urge travelers to plan ahead, and trip check really lets
them do exactly that. It's really become trip check an
indispensable tool for travelers really across the state of Oregons.
It's really easy to see about how it's become so
important and so ingrained and indispensable to travelers in Oregon.
(16:29):
We always say go to tripcheck dot com. Everybody says
go to tripcheck dot com. It's just become such an
ingrained part of what we do in Oregon. Tripcheck dot Com.
We're marking twenty five years right now, and we're going
to be offering more and more features in the years
ahead as we go forward.
Speaker 1 (16:46):
Now, i's going to ask how will trip check change
in the future.
Speaker 2 (16:49):
Technology is coming at us very very quickly, and automated
vehicles are starting to develop and evolve around the rest
of the country. But there's the cars are communicating with
information at the side of the road. That's going to
allow us to communicate services more, what are the safety
conditions on the road, what are the conditions on the
(17:10):
road too, So a lot of the information that we're
getting on the road is going to be more and
more quickly conveyed to the people in the cars, but
we're going to be doing everything we can to get
information to the travelers on the road out there too.
So that's one of the things that we're going to
be seeing increases out there too in the services and
(17:31):
the conditions with the information at the side of the road,
because there's more conveyors and more information there at the
side of the road, and more information in the cars themselves,
And that is a two way traveler information service that's
going to be going on. It's really a two way service.
Speaker 1 (17:49):
That's Don Hamilton with the Oregon Department of Transportation on
the twenty fifth anniversary of the website tlipcheck. It's happened
in California, and it's starting to happen in Oregon. Homeowners
are losing insurance coverage if they live in high risk
fire areas. If they're not losing it, the cost is
going up significantly. Oregon legislators are looking for ways to
(18:10):
keep that insurance. Canton Bryan, president of the Northwest Insurance Council,
told lawmakers the cost of disasters is skyrocketing and insurance
companies need to reduce their risk or go out of business.
Speaker 9 (18:22):
The big picture of what's happening, which is happening across
the country, not just in Oregon, is we've got a
combination of increasing risk and increasing losses piled up against
dramatic increases in the cost of repairing and replacing structures.
The increase in natural catastrophe losses in the United States
(18:42):
has been absolutely stunning, dramatic, tragic, and stunning. So we
go from a period of things being in the millions
or hundreds of millions of dollars forty years ago to
last twenty twenty three, losses related to natural disasters. Disasters
were one hundred and sixty eight billion dollars in twenty
(19:04):
twenty three, and one hundred and eighty two billion dollars
in twenty twenty four. The Los Angeles fires alone will
end up being in the twenty to thirty billion dollar range.
And while other natural disasters are terrible and devastating, and
we've seen a lot of hurricanes and tornadoes and floods
in recent years, you know, wildfire at the cost of
(19:25):
replacing a roof from a windstorm is different than the
cost of replacing an entire home or in the case
of Oregon, you know, four thousand homes. So at the
same time, we're also seeing costs in construction going up
exponentially higher than the Consumer Price Index, as high as
twenty seven percent in twenty twenty one. That's been kind
(19:47):
in about in half, but still is higher than the CPI.
And then an element that a lot of people don't
know about or talk about much is reinsurance. That's insurance
for insurance companies, and reinsurance companies act very much same
way that insurance companies do. They want to know what
their risk is that they're going to be paying for.
So reinsurance comes in and either backfills reserves that insurers have,
(20:11):
or it actually if a loss reaches a certain level
and the insurer is paid out to that level, then
the resurance steps in to pay claims and those for
there was a period of time when insurance companies were
getting half the coverage for twice the price. And I
know that's a familiar sounding thing for consumers in Oregon,
But if an insurer can't get reinsurance, then they have
(20:32):
to consider how many homes they can insure, because if
they have a natural disaster of scale like we saw
in Oregon in twenty twenty, they simply cannot pay all
those claims. Then they end up becoming insolvent, which doesn't
do anyone any good, not the insurance company and not
the consumers who paid for those insurance policies.
Speaker 1 (20:48):
Cat And Brian, president of the Northwest Insurance Council, says
insurance companies have been losing money for insurers.
Speaker 9 (20:55):
The result has been that for a period of time
about five years, insurers were upside a year over year
for as high as one hundred and twelve percent in
a combined loss ratio, which really means that for every
dollar earned in premium, they paid out a dollar twelve
in property claims. On average, across the United States in
(21:16):
twenty twenty, three, those numbers are improving, and that's really
good news for insurers but also for consumers. The bottom
line there shows that across the country, according to SMP Global,
Personal Lined PNC, that's home insurance and auto insurance for
personal lined consumers reported underwriting profit in twenty twenty four,
(21:37):
and that's the first time since twenty nineteen that they've
had an underwriting profit. But that underwriting profit, as you
can see, is a narrow margin. That's ninety nine point
seven cents for every dollar earned premium.
Speaker 6 (21:49):
That's a good sure.
Speaker 1 (21:49):
A theory on why that changed, on why the industry
went from in the red to in the black, Oh.
Speaker 9 (21:55):
I think it's probably due to the things that you
have seen in the market. It's due to insure ensuring
througher high risk properties and also increasing their premiums because
they went through this period of time where premiums were
pretty flat. That means during that period of time what
I like to call the Golden Age ten years ago,
(22:17):
insurers were competing with each other for your business, and
they were fighting each other.
Speaker 6 (22:22):
You know.
Speaker 9 (22:22):
That's why you've seen all those ads from all those
insurance companies. They wanted to sell a lot of insurance
and they wanted to beat their competitors. As we've seen
losses increase, insurers are losing money on every policy they write,
so they have to reduce their risk exposure in order
to obtain reinsurance and not go belly up, and they
(22:43):
also have to increase premium. And now we've seen that
that premium may be catching up to the risk level,
and that's a good sign because it's of course it's
a difficult challenge for people to afford insurance when it
goes up one hundred percent or two hundred percent or more,
but the insurance companies have had to act in that
way in order to stabilize that market and be able
(23:04):
to continue to provide insurance to the people they're selling it.
Speaker 1 (23:06):
So what will it take to maintain insurance in the
opinion of insurance providers.
Speaker 9 (23:11):
Oregon allows insurers to use catastree models and risk scores
that are based in science in order to understand the
risk that they are being asked to ensure and set
appropriate premiums for those risks. Improving parcel level mitigation through
education and grant funding. A lot of that has been
occurring in Oregon. I think you're ahead of other states
(23:33):
in that regard, and you're about to take a big
leap forward with the work. The fire thirty five is recommended.
I do want to emphasize the first new no harm
it's the California idea has been mentioned. Oregon has taken
a really thoughtful approach to how they work with the
insurance industry, as opposed to sort of arbitrarily imposing mandates
and requirements. The things that Oregon has already done, they're
(23:56):
good things for consumers, but they come at a cost.
The more mandates that are imposed on insurers, the more
difficult it becomes for insurers to continue to provide insurance
at a reasonable cost for consumers.
Speaker 1 (24:08):
Marianna Rui's temple is the state of Oregon fire marshal.
Speaker 5 (24:11):
Wildfires are increasing in size, complexity, and impacts to organ Specifically,
if you look at the last ten years compared to
the previous ten years, wildfires have impacted communities at a
rate of two hundred and forty six percent increase. Oregon
has been watching the slow evolution for decades, but certainly
within the last ten years, Oregon has been thrown full
(24:33):
throttle into a different wildfire reality. For Oregon, and a
lot of the work that this committee touches on. Certainly,
we are seeing communities destroyed, homes and fuels. Homes are
becoming fuels, and it really has devastating impacts to our people,
our business businesses, our livelihoods, and really stabilization of our
(24:56):
insurance market is key if we're going to create resilience
and local and financial financial stability. I just wanted to
highlight that this fire season is a really good example
of why this is an important conversation. This season alone
marks the first season in my career that both the
state of Oregon and Washington are seeing an elevated risk
(25:20):
around the entire state. This becomes important because when we
talk about competition of resources and our ability to protect communities,
that we will have an elevated risk in both states
across the entire state is alarming as we talk about
what the ramifications from wildfire and communities could be. On
(25:43):
May second, the Oregon Department of State Fire Marshal and
the Institute for Business and Home Safety signed as a
memorandum of an understanding. It's the second in a nation
and it really sets a signal that the State of
Oregon is interested in how we can help promote in
public private partnerships, the relationship between government and insurance. How
(26:06):
that builds resilience in communities, how that helps Orgonians build
resilience for their property and themselves. But also that we
are taking a proactive step to make sure that we
are partnering with our insurance as we know that that
is not only having devastating impacts to Oregonians and raising
insurance rates, but certainly how communities and state governments see
(26:29):
themselves as playing a role in helping to build resilience
and bringing insurance to the table.
Speaker 1 (26:33):
The Urgon legislature approved creating a wildfire risk map to
require steps to reduce the wildfire risk, but criticism has
cause the legislatures consider eliminating that map. Orereas Temple says
voluntary compliance won't be enough to satisfy insurance companies.
Speaker 5 (26:49):
With the kind of the state posture. Taking a look
at voluntary compliance the route of getting folks to want
to do this work, that's really where we're at right
probably in a place where Oregon is lucky to be
second in the nation in terms of how many communities
are fire wise communities. That's a really good thing. Our
(27:09):
ability to partner with IBHS is that stair step, as
Steve said, to bring communities up to a more prepared,
you know, neighborhood for wildfare prepared neighborhood. That's going to
take social acceptance of those actions at the local level
to get there. It's going to take the state investing
in mitigation and defensible space and education. So I think
(27:33):
we're starting our journey. We've started a new focus on
how we're going to get there. I think there's been
a lot of good investment in Ceneviille seven sixty two.
We've seen tremendous amount of work at the local and
county levels, and we've seen people want this work to
be done. So I would say that we're starting a
new journey and getting there through a voluntary reproach. But
(27:54):
programs like this will help Oregonians and help communities get there.
I think it's going to contain. It will take a
continued sustained investment to make sure that we're continuing that pathway.
Over the last five years year area where we've had
to pivot, we've had to retreat, we've had to take
different looks at it. But I'm optimistic with things like
(28:18):
CENABIL eighty two with insurance making sure that they're a
very active contributor to this conversation and communities want this work.
I feel really good about the pathway we're on, but
it will take continued investment. It will take all of us.
I think when you take a look at community risk reduction,
and that's at the core what we're talking about, it
takes a lot of different things. It takes education, it
(28:39):
takes incentivization, it takes enforcement. So that's the code piece.
And when we're taking a look at having a different
posture around enforcement, going from a statewide strategy to a
local adoption strategy, that is going to take a bit
more time than what we might have looked at if
we were looking at Senate Bill seven sixty two. And
that's why it's the importance of public price a partnerships,
(29:00):
that continued investment in education and centivization and how do
we bring people to the table. And so I do
think it's a longer strategy. I think it's the right
strategy for organ though if we're talking about organs accepting
our wildfire risk, but we're talking community risk reduction, and
it's not just state government, it's all the way down
to the Oregonian level, that we all play a role
(29:23):
in our own resilience, and certainly having insurance at the
table is one of the best partners that we can
have as we kind of go through a new way
of how we're going to address wildfire and.
Speaker 1 (29:31):
Organ that's Oregon State Fire Marshall Mariano Ruiz Temple discussing
wildfire risk and Oregon and what can be done to
reduce the risk so homeowners can avoid losing insurance policies.
Thanks for listening to Local Voices, I'm brad Ford. You
can hear past episodes on the iHeartRadio app under the
podcast tab. Local Voices is a public affairs presentation from iHeartRadio.
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