How to Maximize Your Hailstorm Insurance Claim

Hailstorms may not be the first things that come into your mind when it comes to natural disasters, threats to life, and property damages. Usually, the first ones that do are fires, earthquakes, and hurricanes. Still, you are aware of the possible dangers of hailstorms and how they can have devastating effects to your property.

Damaged property only means two things – financial burdens and insurance problems. However, there are some things you can do to make sure that your hailstorm insurance claim will be effective, such as the following.

Record the time and date of the hailstorm

This may look unnecessary to you, because who really cares about the exact time and date of the hailstorm – well, your insurance company does. It has to make sure that the hailstorm in the news is really the one that has caused damage to your property, and in order to back up your claim, you should know the time and date of the natural phenomenon. This way, they can check whether your given time and date coincides with the news. This makes your claim more believable.

Document the damage

The worst things you can do after a hailstorm are looking around the house, assessing the damages yourself, and throwing materials that you deem unsalvageable. If you do these things, you are giving yourself the chance to receive less compensation.

This is because the insurance company will valuate the damages that have been made to your property, and if you have already removed some of the damaged materials, they will not be included in the calculation. You may not have a viable claim to backup your right for compensation for these materials because they are not present anymore.

So, instead of being too proactive and throwing things away, you should just document the damages in your property.

Estimate the damage without bias

According to the website of K2 Consulting Services, your insurance company may not property estimate the damages in your property, and therefore you may not receive the proper coverage you deserve.

It is a good idea to hire a third party, someone who is not associate with yourself or with the insurance company, to do the estimation for you, for a more unbiased approach. This way, you can get proper estimation and adequate coverage, as long as the damages are covered according to the insurance policy.

Everyday Habits That are Bad for Your Teeth

Everyday Habits That are Bad for Your Teeth

You may be taking care of your teeth properly – brushing your teeth on time and flossing. But even though you practice good dental care, you can still damage your teeth because of seemingly ordinary things you do every day.

Brushing Excessively

Not because you are brushing your teeth it already means that it has a positive effect on your dental health. Sometimes, brushing too hard and too frequently can damage your teeth and irritate your gums, either of which has its own associated complications.

Brush your teeth gently. Even though this appears like this does not clean your teeth effectively, it actually does. The most important thing in brushing is how you stroke the toothbrush, not how hard you stroke.

Eating Constantly

The fluid in your mouth and the starches in your food combine to create acids – acids that may be dangerous for your teeth. This means that constantly having food in your mouth puts you at constant risk of cavities and tooth decays.

To prevent this from happening, make sure that you eat sufficient food so you won’t feel hungry frequently. It also helps to choose what kind of food you eat and what kind of substance you drink, because foods with a lot of sugars and starches and drinks with a lot of acids can damage teeth and gums too.

Using Teeth as Tools

Your teeth are used to grind food, not to serve as an alternative to scissors. If you constantly use your teeth as tools, you may receive enough pressure to break or damage not just your teeth, but also your jaws.

The key to avoid this is to stop being lazy. Get the necessary tools for what you are doing. If you have already broken your teeth because of being lazy, it is good news that dental technology has advanced enough to repair them. The website of Dental Expressions by Dr. Gary Bram says that there are dental implants and cosmetic dentistry procedures that can help you.

Doing Destructive Mannerisms

You may be destroying your teeth, gums, and jaws because of unnecessary behaviors and movements, such as chewing ice, nail biting, and teeth grinding.

To avoid these mannerisms, it is best to know their triggers, such as anxiety and stress, and avoid or reduce these triggers in your life. If you cannot avoid getting exposed to these triggers, the only solution is to discipline yourself to avoid these mannerisms, especially now that you know that they can be bad for your oral health.

3 Ways Hiring a Business Attorney Can Benefit Your Business

Building your company from the ground up means putting in thousands of hours and navigating a maze of complications. In this whirlwind of management, do not allow yourself to become a victim of the many legal pitfalls faced by business owners. Here are three sure-fire ways a business attorney can ensure all aspects of your medium sized business run smoothly and efficiently.

When buying a business, there are many elements at play. While some businesses are family oriented, with deals held together by handshake alone, it’s better to be safe than sorry. According to the Austin corporate law attorneys of Slater Pugh, Ltd. LLP, if you want to have the greatest chance of success in acquiring a business, there is no substitute for personal due diligence. This could mean researching an acquisition’s potential effects on your supply chain or redundancies in the services offered by your company and the company being acquired.

When selling a business, the risk is just as high as when buying one. The federal government heavily regulates the buying and selling of businesses and even the tiniest detail out of place can sink a sale. Doing your due diligence in this case includes consulting accountants and lawyers to properly valuate your business, as well as understanding the types of contracts you will need to complete the sale.

Real estate transactions are some of the most common, and complicated, agreements faced by business owners. Whether you’re purchasing new office space or selling the space you currently have, legal representation here is essential. Countless businesses have paid unnecessary fees when dealing in real estate. Be sure to hire a business attorney in order to protect yourself from frivolous fees and predatory landlords.

An Overview of Fall Accidents In Nursing Homes

Spending the remaining years of their life in a nursing home may not be in the plan of an elderly individual. Conditions in these establishments may not be conducive to a senior citizen who would have desired to spend the twilight of their years with their loved ones. Unfortunately, elderly individuals may end up living in these facilities and subject themselves to a variety of accidents such as falls.

According to the website of Karlin, Fleisher & Falkenberg, LLC, there are few accidents in the nursing home that can have a serious effect on an elderly person’s health as a fall. Statistics from the Centers for Disease Control and Prevention reveal that 1 in 5 falls can cause serious injuries such as broken bones or head injuries. In addition, 2.8 million senior citizens are treated in emergency departments because of fall injuries.

Fall accidents can happen regularly in nursing homes. According to figures in the website of Learn Not to Fall, nearly a third of senior citizens more than 65 years old fall each year with risks of falls increasing proportionately with age. By age 80, more than 50% of senior citizens fall each year. The sad fact is that those who fall are two or three times more likely to experience another fall.

Falls in nursing homes do not cause injuries but when they do get injured, senior citizens are likely to have a difficult time getting around, doing their daily activities, or living on their own. Elderly people who fall develop a fear of falling again. As a result, they will cut down on their daily activities. Less activity would make the individual weaker and further intensify the risk of falling.

There are different risk factors that can contribute to falling. The good news is that these conditions can be changed or modified to prevent falls. Some of these risk factors may include:

  • Weakness in the lower body
  • Vitamin D deficiency
  • Problem walking and imbalance
  • Use of medicines such as tranquilizers, sedatives, or antidepressants
  • Vision problems
  • Foot pain or poor footwear

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Proving Medical Malpractice Lawsuits

Doctors and other medical professionals are expected to provide patients with the best care possible. When they fail on this aspect, you may have valid grounds for filing a medical malpractice lawsuit against the doctor or medical professional who caused the injury. If you had surgery and a tool was left behind, you can make them liable for their negligence. In this article, we shall focus on how to prove medical malpractice and recover compensation in the process.

According to the Toronto personal injury lawyers of Mazin & Associates, PC, medical malpractice claims are based on negligence. In this sense, negligence refers to an action which the medical personnel should have done in a reasonable manner. Proving medical malpractice is not easy as you think it is. It goes beyond the doctor making a mistake in the treatment of their patient. To succeed with your case, you have to prove that the kind of treatment done by the medical personnel is below the reasonable standard of care.

In general, the standard of care that the doctor must follow depends on their specialty and the illness at hand. Each state will have different rules and procedures for filing a medical malpractice lawsuit. Aside from proving that there was the existence of a doctor-patient relationship, you also need to show that the doctor failed to provide the appropriate standard of care for professionals in a similar situation.

In order for your case to meet the requisites of a medical malpractice suit, you need to invite expert witnesses to testify on your side. The expert witnesses will help prove that there was indeed malpractice. If you are not able to prove your claim, it could lead to the dismissal of your case. You can invite a doctor to explain the medical findings to the court. The testimony of the witness will spell the difference between a guilty or not guilty verdict.

Like any other case, medical malpractice claims are governed by statute of limitations. You need to file the case within the specified time limit or else your case will go for naught as a result of your failure to file the case on time.

Carrying Auto Liability Insurance: A Must for Drivers in the US

One important document that drivers in the U.S. will always need to carry is proof of auto liability insurance. This document is required every time a driver renews his or her car registration and driver’s license, and if ever he or she gets pulled over by a traffic enforcer or gets involved in an accident. In the 48 states where carrying this liability insurance is mandated, not having one can result to suspension of driver’s license and being required to file an SR-22, a document which proves that a driver has already purchased vehicle liability insurance; this document will have to be sent by the insurance firm to the state’s Department of Motor Vehicles (DMV) office where the driver resides.

Carrying auto liability insurance is actually just one way a driver can comply with the financial responsibility law, the law that requires drivers to prove that they have the capability to pay for damages and injuries resulting from an accident wherein they are at fault. While this law does not specifically require having auto insurance coverage, as many as 48 states saw that having one would be more practical as this will not result to at-fault drivers failing to make compensatory payments to those that they happen to injure. (Virginia and New Hampshire allow their drivers to prove financial responsibility through state-approved ways other than purchasing auto liability insurance).

With regard to the type of insurance coverage mandated of drivers, states are divided based on the type of the liability system that they recognize. In 12 states, which include Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah, the no-fault auto insurance law is observed (of these 12 states, three are more correctly referred to as “Choice” states because these allow drivers to choose which type of insurance coverage they would actually want to carry: the no-fault coverage or the “fault”/“tort liability” coverage). Under the no-fault system, insurance companies compensate their own policyholders (policyholders are otherwise referred to as “first party”) regardless of who was at fault in the accident. The damages or the benefits that are to be paid to policyholders or to the first party are called personal injury protection (PIP).

The “fault” system, on the other hand, allows accident victims to claim compensation from the at-fault driver’s insurance provider; victims, however, may also file a civil lawsuit against the at-fault driver if the compensation paid does not cover certain economic (lost wages) and non-economic (pain and suffering) damages.

An insurance policy being quite costly is no excuse for drivers not to purchase one. As Hankey Law Office, P.C. explains in its website, not purchasing one may actually prove to be even more costly. The website also provides information on how drivers may find the best insurance deals at the lowest cost – by asking for a free insurance quote from an independent auto insurance company. Besides providing drivers with a list of the best insurance deals at affordable prices, an independent auto insurance company can also assist drivers in all their insurance-related needs, including the filing of an SR-22.

Pedestrian-Vehicle Accidents

Based on information gathered by the Centers for Disease Control and Prevention (CDC), a total of 4,743 people were killed in traffic accidents across America in 2012. Throughout exactly the same year, about 76,000 more people have been injured in traffic crashes. These numbers imply that one or more people will probably be killed in an accident every 2 hrs, and still another one is injured every 7 minutes. These trends merely demonstrate that personal injuries are a significant problem that needs to be prevented and prioritized.

The CDC also mention that injuries normally occur in populated areas and non-intersection locations. They are also most likely to occur at night. According to their own info, the many susceptible people in these scenarios are pedestrians aged 65 and older. Children can also be at high risk for accidents. The CDC estimates that about 1 in every 5 children between the ages 1-5 perishes in pedestrian injuries.

The website of Habush Habush & Rottier S.C. ® says that most pedestrian injuries are the result of some kind of negligence or driver error. Sometimes, the tiniest mistake at the wheel often leads to devastating conditions. These errors are often as simple as when drivers speed through school zones, residential areas, and parking lots, or fail to yield at crosswalks and stop signs.

Injuries can also come from a driver’s failure to correctly assess blind spots before making turns or switching lanes. In more tragic situations, drivers impaired by alcohol and other narcotic substances can also cause pedestrian accidents. Plenty of pedestrian injuries have been triggered by an individual that is driving while under the influence or drunk (DUI or DUI). Depending on the numbers from the CDC, alcohol impairment accounts in the year 2012 for 48% of fatal pedestrian injuries.

Is SR22 Insurance Really That Necessary?

In order to understand if SR22 insurance is necessary for you, there is a prior need to first understand what SR22 insurance actually is – and it isn’t an insurance policy, despite what the name might imply.

SR22 insurance (sometimes called FR Filing) is necessary documentation in order to prove that your vehicle is insured and that you can be held financially responsible for your actions. It does not, in any way, replace a regular insurance policy for a vehicle in any way.

When is it necessary? That can be a bit more complicated.

It is made legally mandated for you to acquire SR22 insurance if you have incurred too many smaller infractions (such as three moving violations within a 12-month period, for example) or if you have been involved in one somewhat major incident such as one involving driving with insurance or driving while under the influence of dangerous substances. This kind of certification is necessary in order to provide proof that says that the state is allowing for you to be on the road again.

After all, these means of transport are practically a necessity in this day and age. Securing permission to be allowed to drive on the road again may be a matter of being employed or being homeless – and, funnily enough, most people tend to favour the former option rather than the latter.

It can be difficult to secure this kind of documentation however as insurance companies can regard marks like this on your driving record as risks and have a few options at hand, one of which is to deny you of a policy outright or charge you outrageously high rates. There are, fortunately enough, agencies out there that can help you navigate through the options that you have and allow for you to secure the policy and SR22 insurance that you need. For more information about SR22 insurance, contact your local car accident lawyer.

Species of Toxic Mold

Toxic mold is one of the growing health risks in many places across America. There are many misconceptions about “toxic mold” referring to only to one specific type of mold, however, there are hundreds of species of molds. Although majority of them are harmless and there are only a small fraction of them being considered toxic, molds (toxic or not) in great accumulation of them in an area can become a health risk. There are five species of molds that is classified as toxic: Stachybotrys , Penicilium, Cladosporium, Fusarium, Aspergillus. They can be found in damp spaces indoors and are often hidden from sight.

  1. Stachybotrys – known as the black mold, this specie of molds cause the highest health risks. From hay fever to liver damage, pulmonary edema, nerve or brain damage and even death, black molds is considered toxic that it has been linked to serious infant illnesses. Common symptoms include eye irritation, nasal and sinus congestion, hacking cough, chronic fatigue, respiratory problems, etc.
  2. Fusarium, Penicillium, and Cladosporium – these species of molds often cause asthma, nail fungus, and liver, lings, and kidney infections. Persistent cases of Cladosporium can lead to emphysema and pulmonary edema, while Fusarium can bring about gastrointestinal diseases, and can even affect a female victim’s reproduction system.
  3. Aspergillus – a family of molds covering 160 species, only 16 of them are considered toxic. Aspergillus is the least serious of the “toxic mold” family, and most illnesses can be treated.

Exposure to molds are an everyday thing, but if a person inhales a significant amount of spores they can lead to health problems. Although very common in states where humidity is high, molds can grow anywhere. Residents of Tennessee, as well as all parts of the US, can suffer from mold infestations if they are given an environment to thrive on. If you have suffered a medical issue because of neglect to remove a mold infestation, you could contact a Tennessee personal injury lawyer for help in filing a claim. It is not only important to make the person responsible accountable for their negligent behavior, reporting an infestation is vital in ensuring the everyone’s safety is protected.

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