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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>You are absolutely correct: it is a risk analysis matter. You are also correct in your recital of the risks avoided by probate and these are the matters I consider when requested to insure through a lack of probate. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>When parties ask me to consider insuring through a lack of probate affidavit I always advise them to consult with an attorney. I tell them that the costs of probate are less than they may think and the benefits are better than they know. However, I am not in the position to give them legal advice so I am limited in my persuasive capabilities.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Your advice about filing the will and having the children sign the affidavit as well as the surviving spouse is sound; I confess we often neglect to have the will filed.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>When there are multiple children we always have all the children sign the affidavit.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Counsel<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>University Place WA 98467<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>253-476-5721<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>j.mccrady@pstitle.com<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> wsbapt-bounces@lists.wsbarppt.com [mailto:wsbapt-bounces@lists.wsbarppt.com] <b>On Behalf Of </b>Mike Winslow<br><b>Sent:</b> Friday, October 13, 2017 9:58 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv' <wsbapt@lists.wsbarppt.com><br><b>Subject:</b> Re: [WSBAPT] lack of probate affidavit question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>John,<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>I believe your comments are a function of risk analysis, not actual vesting of title.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>The risks which are eliminated by a probate are:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Creditor’s Claims during two year period following death of first spouse;<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Claims under a later or undisclosed will of the decedent which disposes of the decedent’s CP interest to other than surviving spouse.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>If the surviving spouse is able to locate and record a will which leaves all interest in the property to her, the risk of another will with a different disposition are greatly reduced.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Requiring the children of the decedent to sign the Lack of Probate Affidavit further eliminates risks, as it creates an estoppel to later claims.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>The creditor’s claims can be eliminated by performing a Non-Probate Notice to Creditors.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com">Mike@winslegal.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>John McCrady<br><b>Sent:</b> Friday, October 13, 2017 9:32 AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re: [WSBAPT] lack of probate affidavit question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Most title people wouldn’t disagree with your analysis. Probate is the better alternative. Title companies have used the lack of probate solution as an accommodation to people who, for whatever reason, (usually cost) don’t want to probate the deceased’s estate.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>We do try to analyze the perceived risk of each situation; the surviving spouse usually being viewed as the safest situation. My company has not had any loss claims directly related to our acceptance of a lack of probate affidavit.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>But you are correct when you say that a big loss claim by one of the insurers will make many of the insurers more reluctant to accept the affidavits.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>It is easy to imagine a surviving spouse “forgetting” to mention a daughter of the deceased and a will that left the house to her.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>John McCrady<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Counsel<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Puget Sound Title Company<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>5350 Orchard Street West<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>University Place WA 98467<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>253-476-5721<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><a href="mailto:j.mccrady@pstitle.com">j.mccrady@pstitle.com</a><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Paul Neumiller<br><b>Sent:</b> Friday, October 13, 2017 8:45 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv' <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBAPT] lack of probate affidavit question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>This really goes against my understanding. Those WACs only address exemption from the Excise Tax, not the transfer of title. In the absence of a recorded Community Property Agreement or a recorded Transfer On Death Deed or a probated estate, a Lack of Probate Affidavit is only effective if a title company is willing to accept it in terms of insuring a sale of the property. I sure hope Dwight Bickel or some other title person chimes in here. While the widow can record the deed (or the Affidavit), the real test will come at a later time when a title company is asked to insure a sale of the property. Now, if that sale is ten years down the road, an insurance company <i>may</i> feel it’s a safe enough transaction to insure because of the passage of time but I doubt an insurance company will accept the Affidavit if the sale is within two years.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>I have advised my clients that it is safest to probate the estate to ensure later title insurance on a sale of the property. It has been my analysis that the title companies are currently willing to insure the transfer of title using a an Affidavit of Lack of Probate until they, as an industry, get burned by a lawsuit involving an Affidavit, the case will hit the conservative title insurance industry like a tsunami, and then their “acceptance” of an Affidavit will dissolve. That may force the widow to go back and probate the estate.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><a name="Paul_Neumiller"><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><img border=0 width=250 height=150 id="_x0000_i1025" src="cid:image001.jpg@01D34410.EE7E81B0"></span></a><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:white'><o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span></b><span style='font-size:11.0pt;font-family:"Calibri",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Mike Winslow<br><b>Sent:</b> Thursday, October 12, 2017 5:34 PM<br><b>To:</b> 'WSBA Probate & Trust Listserv' <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br><b>Subject:</b> Re: [WSBAPT] lack of probate affidavit question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>I have heard that the clerks in the tax assessor’s offices tell people they need a deed. This happens is Skagit. Not necessary and not effective to transfer title. Redundant, waste of money, etc.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>The Lack of Probate affidavit is sufficient. Record it per the WAC, then, wife just deeds to Trust. Use a warranty deed, not a quit claim deed, to maintain title insurance coverage from original acquisition.<o:p></o:p></span></p><h3><span style='font-family:"Calibri",sans-serif;color:#1F497D;font-weight:normal'>See </span><span style='font-family:"Times New Roman",serif;color:windowtext;font-weight:normal'>WAC 458-61A-202. Look at 6(i) for the process applicable to your matter.<o:p></o:p></span></h3><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Michael A. Winslow<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>1204 Cleveland Ave.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Mount Vernon, WA 98273<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Ph. 360-336-3321<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>Em. <a href="mailto:Mike@winslegal.com">Mike@winslegal.com</a><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'>This message is from an attorney, so it’s confidential. If you are not the intended recipient, it’s too late to stop reading this message, but you may not use it for any improper purpose. Huge Disclaimer available upon request.<o:p></o:p></span></p></div><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma",sans-serif'> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">mailto:wsbapt-bounces@lists.wsbarppt.com</a>] <b>On Behalf Of </b>Sharon Rutberg<br><b>Sent:</b> Thursday, October 12, 2017 3:31 PM<br><b>To:</b> <a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a><br><b>Subject:</b> [WSBAPT] lack of probate affidavit question<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><div id=divtagdefaultwrapper><p><span style='font-family:"Calibri",sans-serif;color:black'>Hi, listmates --<o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'>Client's husband died without a will. The couple owned their home as community property and neither spouse has any children. We do not want to open estate administration for the husband (due to lack of need and privacy concerns). But we do want to transfer the wife's interest into her revocable living trust (created also for privacy concerns).<o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'>Do we need to record a document reflecting the transfer by intestate succession of the house to the wife as sole owner before she can quit claim the property into her RLT? If so, how so we do that? We have created a <strong><span style='font-family:"Calibri",sans-serif'>lack of probate affidavit</span></strong> attesting that surviving spouse is the rightful heir to the property. Can we record that (along with a death certificate and a REET affidavit) to document the transfer? Do we need a deed instrument in addition? <o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'><br>I've heard varying things from different sources. Any clarification would be appreciated!<o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'>Best,<o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'>Sharon<o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'><o:p> </o:p></span></p><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>Sharon C. Rutberg, Attorney at Law</span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><div id=Signature><div id=divtagdefaultwrapper><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>Salmon Bay Law Group, PLLC</span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>1734 NW Market St.</span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>Seattle, WA 98107</span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>206-735-3177, ext. 2</span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><p><span style='font-family:"Calibri",sans-serif;color:black'><a href="mailto:sharon@salmonbaylaw.com" id=LPNoLP><span style='font-size:9.0pt;font-family:"Verdana",sans-serif'>sharon@salmonbaylaw.com</span></a></span><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'> </span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>Website: <a href="http://www.salmonbaylaw.com">www.salmonbaylaw.com</a></span><span style='font-family:"Calibri",sans-serif;color:black'><o:p></o:p></span></p><p><span style='font-size:9.0pt;font-family:"Verdana",sans-serif;color:black'>Washington State Bar #47055<br><br>NOTICES<br>The contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine, and/or other applicable protections. 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