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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