Registration is now open.

Appraising Environmentally Contaminated Properties – 7hr CE Seminar 8:30 am – 4:30 pm

Stan Sidor, MAI, Senior Vice President, Manager, Valuation Advisory Services, Kidder Mathews
Erica Doctor, Attorney in Private Practice
Mark J. Davis, Attorney, Davis Law Office
Laura Owens, Commercial Lines Account Executive, Durham & Bates
Patrick Goodman, Assistant Vice President, Durham & Bates
Michael Wearne, Vice President, Columbia Bank

Properties impacted by contamination raise challenging appraisal issues. To ensure competence and meet appraisal standards, practitioners must understand the history and development of widely recognized and generally accepted methods for handling these challenging appraisal assignments.

Class includes coffee, pastries, and lunch.

Continuing Education

Appraisal Institute: 35 points pending
WA State: 7hrs CE – pending

This Educational Program was developed and organized by the Appraisal Institute Chapter offering the Program with the intent of addressing topic(s) of current local interest solely for educational and informational purposes. The Appraisal Institute national organization was not involved in developing or organizing the Program.

The content of this Program, including but not limited to any written materials and presenter comments, does not represent the viewpoint of the Appraisal Institute (defined as including but not limited to, the national organization, its Regions, Chapters, members, candidates, affiliates and staff) unless formally adopted by the national Board of Directors. Further, the Appraisal Institute has not peer-reviewed or approved the content of the Program and does not warrant the accuracy or timeliness of the content of the Program. The content of the Program is subject to court decisions and local, state and federal laws and regulations and any such revisions of such laws and regulations.

This Program is presented with the understanding that the Appraisal Institute is not engaged in rendering legal, accounting or other professional advice or services. Nothing in the Program is to be construed as the offering of such advice or services. If expert advice or services are required, attendees and readers are responsible for obtaining such advice or services from appropriate professionals.

Certificate Policy

The Seattle Chapter aims to distribute attendance certificates for chapter-developed events such as this within approximately one week of the end of class.  If you need your certificate expedited, please let the chapter office know prior to the start of the class so that arrangements can be made.

Attendance Requirements

100% attendance is required for all Appraisal Institute education programs. This follows Appraiser Qualifications Board minimum criteria requirements. A “classroom hour” is defined as 50 minutes out of each 60 minute segment. A 10-minute break per hour is allowed and a student would meet the 100% attendance requirement. Students should not be late or leave early; if they are late or leave early, they will not receive credit.


If you have a disability and require accommodation, please notify the Seattle Chapter of the Appraisal Institute in writing at least two weeks in advance and we will arrange for reasonable accommodations. We reserve the right to cancel, limit, or reschedule the course and change faculty assignments and facility locations at any time. Prospective students should confirm their registration before making any non-refundable airline reservations.

Erica Doctor, Attorney in Private Practice

Erica Doctor is an attorney in private practice in Tacoma, Washington. She has
experience in environmental law, dangerous waste management, land use, and property
disputes. She focuses her practice on environmental issues and related litigation,
advising businesses and individuals on permitting, regulatory compliance, insurance
coverage, and cost allocation. Representative work includes guiding generators and
recyclers through regulatory compliance issues; assisting corporate clients with
stormwater permitting and management; helping developers and business owners
obtain land use permits; and assisting businesses and homeowners in litigation and
alternative dispute resolution related to environmental contamination and property
Ms. Doctor will be presenting on cleanup levels, regulatory compliance, NFAs, new
Model Remedies, and environmental covenants. Attendees can expect to learn about
what laws set cleanup levels and how those laws might change or have changed, the
various methods of handling contaminated properties (VCP, Agreed Order, Consent
Decree), ways of assisting with moving projects forward (Prospective Purchaser
Agreements, Prospective Purchaser Consent Decrees) and the benefits and drawbacks,
what NFAs can and cannot provide, and environmental covenants. She will also discuss
some of the hangups attending the state capital budget and some model remedies that
Ecology is discussing for old gas station sites.

Mark J. Davis, Attorney, Davis Law Office

Mark J. Davis is an attorney at Davis Law Office in Gig Harbor, Washington. He
practices primarily in the area of environmental law, including cost recovery,
enforcement, and permitting issues. Mr. Davis graduated from Gonzaga University
School of Law in 2016 and Whitworth University in 2012. During law school he worked
as a judicial extern in superior court and as an intern for Etter, McMahon, Lamberson,
Van Wert, and Oreskovich in Spokane, Washington.
Mark will present an overview of MTCA and CERCLA, cost allocation issues, cost
recovery, and the general framework for how MTCA works. Attendees can expect to
learn about the laws governing cleanup of contaminated property, environmental liability
and defenses, how cost recovery works, how courts allocate costs in environmental
litigation, how cleanup and/or litigation can affect property transactions, and interesting
cases that address contaminated properties.
Either Erica Doctor or Mark Davis will speak a little bit on some recent insurance law
cases that have affected the legal landscape for environmental insurance claims, which
will tie in with the presentation to follow by the environmental insurance presenters.

Laura Owens, Commercial Lines Account Executive, Durham & Bates

Laura Owens delivers a decade of brokerage experience with a unique specialty in
Pollution Liability insurance to the commercial real estate community. She relocated
from Houston, Texas to the Pacific Northwest in 2013 to join employee-owned Durham &
Bates Insurance where she continues to develop a strong understanding of each clients’
business, strategic priorities, risk strategy and risk management needs to implement
innovative solutions. Laura is an active member of Commercial Real Estate Women
(CREW) Portland and NW Environmental Business Council (NEBC).

Patrick Goodman, Assistant Vice President, Durham & Bates

Patrick Goodman is a leader within the Durham and Bates Real Estate/Environmental
and Construction Practice and manages all aspects of insurance for large real estate
owners and developers, as well as commercial builders. Patrick is a member of the
IRMI Risk Management Institute, which enables him to stay in front of industry changes
in carrier underwriting capabilities and appetite in order to resourcefully tailor his clients’
risk management program. Patrick is also a member of the National Association of
General Contractors, the Surety Association of Oregon and the NAIOP Commercial Real
Estate Development Association (Oregon Chapter). These associations allow Patrick to
stay current on budding issues for clients on legal and risk management fronts.
Ms. Owens and Mr. Goodman will overview the following pertaining to environmental
insurance coverage and liability issues:

• Basics of site liability, including policy terms and self-insured retentions
• Insurance market (types of policies available, status of insurance carriers and
their appetite)
• Role of insurance as a risk transfer tool (financial support for indemnity,
purchased by buyers or sellers, assignability)
• Coverage and coverage enhancements available
• Exclusions and limitation to be aware of prior to binding coverage
• Underwriting requirements

Michael Wearne, Vice President, Columbia Bank

Mr. Wearne is responsible for Environmental Risk Management for Columbia Bank.
Prior to this assignment he served in a similar capacity at Washington Mutual Bank. Mr.
Wearne served on the Board of Governors of the Environmental Bankers Association.
He was responsible for the Legal and Regulatory sub-committee. The mission of the
EBA is to protect and preserve bank net income and assets from environmental
exposure and liability resulting from lending and trust activities. Mr. Wearne also served
on the state-wide taskforce which developed remediation standards for the remediation
of the former smelter located at Ruston.
Mr. Wearne will review the bank’s environmental policy, including the environmental risk
matrix used by the bank that relates to the level of due diligence required for each
property type and loan amount based on environmental risk exposure. The
methodology of selecting preferred environmental risk consultants will be discussed,
along with the bank’s prescribed method for granting waivers to their environmental

Stan Sidor, MAI, Senior Vice President, Manager, Valuation Advisory Services, Kidder Mathews

Stan Sidor, MAI is a WA State Certified General Real Estate Appraiser. He is Senior
Vice President, Manager of Kidder Mathews’ Valuation Advisory Services Tacoma
branch office, and has more than 30 years of combined banking and real estate
appraisal and consulting experience. Mr. Sidor has extensive experience in appraising
properties impacted negatively by various forms of environmental contamination, and he
has provided supporting trial testimony as an expert legal witness in various
environmental contamination court cases.
Mr. Sidor will review the key issues and methodologies required to appraise any property
impacted either directly or indirectly by environmental contamination.


University of Phoenix – Tukwila
Classroom 102/103
7100 Fort Dent #100
Tukwila, WA 98188


Registration 8:00 – 8:30 am

Class: 8:30 – 4:30 pm

Lunch: 12:00 – 1:00pm



7 hour CE class, includes coffee, pastries, and lunch.