Pictures On The Web Of Termite Damage
If you have a suspicion that your home has a problem with termites, it would help you to have pictures of termite damage so that you can look for this in your own home. By comparing the pictures to what you see in your home, you will be able to assess your problem and take the necessary steps to eliminate it.
The damage caused by termites to the wood in the structure of your home can be overwhelming. In fact, they can gnaw at the very foundation of the home causing it to weaken and make it unsafe to inhabit. It will also cost an enormous amount of money to repair the damage. You can look for pictures of Termite damage on the Web and the details will be devastating.
Another disconcerting thought is that the pictures that you see on Termite damage can take place in your own home and you are probably totally unaware of it. Any wood structure can be damaged totally by termites - you should be aware that it is not a single termite but hundreds of them known as worker termites - they gnaw through the wood and feed the colony.
Advantages Of Termite Pictures
The pictures that you see on the Web of the damage done by termites and the destruction that they cause can help you to compare them to your own home if you suspect that there is a termite problem that you have to deal with. There is a trail left by these insects when they are attacking a certain area. Looking at the pictures of the devastation caused by termite damage, you can pin it down to your own home. Once this is done, you can call in the experts who will assess the situation and advise you on how to eliminate them.
The pictures that you see on the Web will show you the extent of the damage that these small creatures can create - by destroying the very foundation of your home, you will find that it is extremely unsafe to live in if the problem is not dealt with and allowed to spread. The scary fact is that unless you actually see the pictures and the damage that they cause, you may be blissfully unaware of what is going on in your house. The longer it is neglected the more dangerous it is for you to live there. It is absolutely essential that you view these pictures and educate yourself as to what to look for - once it is established that you have termite infestation, you can consult a professional and take their advice on how to handle the situation and be termite free.
Abhishek has got some great Termite Elimination Secrets up his sleeve! Download his FREE 79 Page Ebook, "How To Win Your War Against Termites!" from his website http://www.Wonder-Homes.com/117/index.htm. Only limited Free Copies available.
Article Source: http://EzineArticles.com/?expert=Abhishek_Agarwal
Water Damage Repair Tips for Houston Residential
Houston water damage can have devastating consequences, while being hazardous to your health. Are you experiencing water damage in your home? Whether you have a simple water damage problem such as a broken water pipe or heavy flooding throughout your home, water damage can spread rapidly throughout your home, wreaking havoc in a short amount of time unless immediate action is taken decisively. You need the services of a professional residential service company that is available to help right away, any time of the day, when your emergency strikes.
How do you select a professional Houston water damage company?
There are several factors that you should consider when you choose a water damage team in Houston to address the water damage needs in your home.
• Timeliness: You will want to choose a water damage restoration team that is available to you when you need them. Most water damage repair companies are available 24 hours a day, 365 days a year.
• Prompt Action: When water damage occurs, the results can be devastating if left unchecked. Acting quickly and decisively is very important in order to minimize the negative effects of water damage in your home. Mold and mildew can develop in a period of less than 48 hours if left unchecked.
• Certifications: Professional water damage repair teams have certifications and follow procedures and safety standards.
• Powerful Equipment: Water damage Houston repair teams come prepared with fast blowers and other powerful equipment that is best equipped to handle your water damage repair and restoration needs.
• Water Extraction: Professional water damage repair teams also focus upon extracting out all excess water from the home thoroughly. Dry homes will not have any mold. It is essential that all excess water be expunged from the home in order to prevent the buildup of bacterial mold and mildew.
• Cleaning Carpets and Upholstery: During the water extraction process, carpeting and upholstery should also be cleaned. Some companies such as Kiwi Carpet Cleaning offer these services in addition to their water damage extraction services as part of their comprehensive water damage repair services. Check with the company that you choose that they will both properly clean and sanitize all upholstery and carpeting that may have become wet, soiled, or dirty during flooding or heavy water damage.
• Clean Up Damage: Professional water damage Houston repair companies also clean up damage from pipe bursts, sink and tub overflow, sewer disinfection, hot water heater damage, and offer round-the-clock water extraction services.
• Focus on Drying: Professional water damage restoration teams always focus on drying out the walls and contents of your home to prevent the growth of bacterial mold and mildew and to maintain the structural integrity of your home.
• Air Ducts & Wood Floors: As part of a comprehensive water damage residential service package, professional water damage companies also offer to clean out the air ducts in your home and clean wood floors. Wood floors can get soiled, stained, accumulate dust and debris, and even begin to warp from heavy water over time. Addressing these problems immediately will prevent long-term damage to beautiful wood floors. Air ducts also may become clogged up from water, and dirt that has traveled during flooding from different parts of the house. Cleaning out the air ducts will ensure good air quality again in your home.
• As Best As Possible Conditions: Water damage teams that are doing their work well will try their best to leave your home in as close to an original state as possible, prior to water damage. This means that your home after treatment, should no longer be hazardous or unsanitary and that all excess water has been removed, the interior of the home dried and sanitized, all the contents of the home restored, air ducts and wood floors cleaned, and the structural integrity of the home maintained.
Kiwi Carpet Cleaning has been servicing their customers for more than twenty years. Water restoration is one of many services that Kiwi provides to their customers.
Kiwi provides houston water damage services: http://www.kiwiservices.com/houston-water-damage-repair.htm
How do you select a professional Houston water damage company?
There are several factors that you should consider when you choose a water damage team in Houston to address the water damage needs in your home.
• Timeliness: You will want to choose a water damage restoration team that is available to you when you need them. Most water damage repair companies are available 24 hours a day, 365 days a year.
• Prompt Action: When water damage occurs, the results can be devastating if left unchecked. Acting quickly and decisively is very important in order to minimize the negative effects of water damage in your home. Mold and mildew can develop in a period of less than 48 hours if left unchecked.
• Certifications: Professional water damage repair teams have certifications and follow procedures and safety standards.
• Powerful Equipment: Water damage Houston repair teams come prepared with fast blowers and other powerful equipment that is best equipped to handle your water damage repair and restoration needs.
• Water Extraction: Professional water damage repair teams also focus upon extracting out all excess water from the home thoroughly. Dry homes will not have any mold. It is essential that all excess water be expunged from the home in order to prevent the buildup of bacterial mold and mildew.
• Cleaning Carpets and Upholstery: During the water extraction process, carpeting and upholstery should also be cleaned. Some companies such as Kiwi Carpet Cleaning offer these services in addition to their water damage extraction services as part of their comprehensive water damage repair services. Check with the company that you choose that they will both properly clean and sanitize all upholstery and carpeting that may have become wet, soiled, or dirty during flooding or heavy water damage.
• Clean Up Damage: Professional water damage Houston repair companies also clean up damage from pipe bursts, sink and tub overflow, sewer disinfection, hot water heater damage, and offer round-the-clock water extraction services.
• Focus on Drying: Professional water damage restoration teams always focus on drying out the walls and contents of your home to prevent the growth of bacterial mold and mildew and to maintain the structural integrity of your home.
• Air Ducts & Wood Floors: As part of a comprehensive water damage residential service package, professional water damage companies also offer to clean out the air ducts in your home and clean wood floors. Wood floors can get soiled, stained, accumulate dust and debris, and even begin to warp from heavy water over time. Addressing these problems immediately will prevent long-term damage to beautiful wood floors. Air ducts also may become clogged up from water, and dirt that has traveled during flooding from different parts of the house. Cleaning out the air ducts will ensure good air quality again in your home.
• As Best As Possible Conditions: Water damage teams that are doing their work well will try their best to leave your home in as close to an original state as possible, prior to water damage. This means that your home after treatment, should no longer be hazardous or unsanitary and that all excess water has been removed, the interior of the home dried and sanitized, all the contents of the home restored, air ducts and wood floors cleaned, and the structural integrity of the home maintained.
Kiwi Carpet Cleaning has been servicing their customers for more than twenty years. Water restoration is one of many services that Kiwi provides to their customers.
Kiwi provides houston water damage services: http://www.kiwiservices.com/houston-water-damage-repair.htm
Water Damage Prevention
Recovering from water damage is time consuming, aggravating and costly. These are all good reasons to take precautions to lessen the chances of your property being damaged by water or to reduce that amount of damage.
One way to prevent water damage is as easy as occasionally checking your plumbing system for leaks, including pipes and faucets in sinks, toilets, showers and bathtubs.
In particular, look for discoloration around sinks, as this may be an indication of a leaking pipe. For extra protection, re-caulk around sinks.
Preventing and repairing small problems, such as a toilet leak, could save you a lot of time and money in the long run. A leak left unchecked often requires the expertise of a professional to fix the damage.
Also, inspect the area surrounding water heaters and air conditioning units for wet spots. As preventative maintenance, have your air conditioner inspected by a professional at least once a year.
Sump pumps also should be checked for problems a few times a year.
On the outside of your home, regularly inspect your roof and gutter systems for problems.
Signs of water problems in your roofing system are broken or cracked shingles, damaged chimneys and vents, deterioration in roofing valleys and/or water stains on your ceilings. Detecting these minor problems early on can keep major problems from developing in the future. Serious roof damage can be very difficult and expensive to fix.
For your gutters, make sure they are free of debris, such as leaves and sticks. Consider installing gutter shields to prevent debris build up. Downspouts should be pointed away from your building to stop water accumulation at your home's foundation.
Here is a list of some steps you can take to remediate water damage before the professionals arrive:
* Remove standing water from the interior of your property. Try sweeping it outdoors, and then wet-vac the remainder.
* Relocate wet carpet and other water-logged items to a sunny area, if possible, to aid in the dry-out process.
* If possible, run a dehumidifier to help prevent mold growth and speed the drying process.
* Move debris and other items damaged beyond repair to the exterior of your property for easy pick up by trash haulers.
* Transfer valuables to a safe and dry place.
* Document property damage in writing and take photos, if possible, for insurance claim purposes and for the restoration professionals.
ACCORD Restoration specializes in clean-up, repair, restoration and rebuilding after fires, floods, storms or natural disasters. We offer reliable, 24/7/365 emergency services carried out with expert craftsmanship.
To learn more visit http://www.accordrestoration.com/
Article Source: http://EzineArticles.com/?expert=Frank_Nemshick
One way to prevent water damage is as easy as occasionally checking your plumbing system for leaks, including pipes and faucets in sinks, toilets, showers and bathtubs.
In particular, look for discoloration around sinks, as this may be an indication of a leaking pipe. For extra protection, re-caulk around sinks.
Preventing and repairing small problems, such as a toilet leak, could save you a lot of time and money in the long run. A leak left unchecked often requires the expertise of a professional to fix the damage.
Also, inspect the area surrounding water heaters and air conditioning units for wet spots. As preventative maintenance, have your air conditioner inspected by a professional at least once a year.
Sump pumps also should be checked for problems a few times a year.
On the outside of your home, regularly inspect your roof and gutter systems for problems.
Signs of water problems in your roofing system are broken or cracked shingles, damaged chimneys and vents, deterioration in roofing valleys and/or water stains on your ceilings. Detecting these minor problems early on can keep major problems from developing in the future. Serious roof damage can be very difficult and expensive to fix.
For your gutters, make sure they are free of debris, such as leaves and sticks. Consider installing gutter shields to prevent debris build up. Downspouts should be pointed away from your building to stop water accumulation at your home's foundation.
Here is a list of some steps you can take to remediate water damage before the professionals arrive:
* Remove standing water from the interior of your property. Try sweeping it outdoors, and then wet-vac the remainder.
* Relocate wet carpet and other water-logged items to a sunny area, if possible, to aid in the dry-out process.
* If possible, run a dehumidifier to help prevent mold growth and speed the drying process.
* Move debris and other items damaged beyond repair to the exterior of your property for easy pick up by trash haulers.
* Transfer valuables to a safe and dry place.
* Document property damage in writing and take photos, if possible, for insurance claim purposes and for the restoration professionals.
ACCORD Restoration specializes in clean-up, repair, restoration and rebuilding after fires, floods, storms or natural disasters. We offer reliable, 24/7/365 emergency services carried out with expert craftsmanship.
To learn more visit http://www.accordrestoration.com/
Article Source: http://EzineArticles.com/?expert=Frank_Nemshick
Storm Damage Prevention - Before and After the Storm
Storms can wreak havoc on any structure or building they comes across. Prepare for these potential disasters, especially if you live in an area prone to large storms, such as tornados and hurricanes, is essential.
Long before a storm hits, it is vital to know the ins and outs of your insurance policy.
- Have your building appraised every five years and assessed for potential risks so that you and your insurance agency have the most up-to-date information.
- Make any suggested changes to help prevent damage to your property.
A generator that can run your heating or air conditioning in the event of a power outage is an advisable storm preparation investment. This will allow you to run equipment such as a dehumidifier, which can help prevent mold growth after flooding.
When the storm is imminent, your preparations should include:
- Covering windows and glass doors with hurricane shutters or storm panels, or board them up with plywood and plastic sheeting.
- Knowing where your property's central water and power shut-offs are located.
- Securing all outdoor items, such as patio furniture and lawn decorations, or bring them inside, since they can pose a hazard in high winds.
- Checking for any dead trees or susceptible limbs that can cause serious damage if they fall on your home or building.
After a storm, walk your property's exterior and make note of damage, including fallen tree limbs, debris and downed power lines. You should check for missing or damaged roof shingles, gutters and siding. If possible, take photos of the damage. They may be helpful in filing insurance claims and identifying for professionals areas of your property that need to be restored.
ACCORD Restoration specializes in clean-up, repair, restoration and rebuilding after fires, floods, storms or natural disasters. We offer reliable, 24/7/365 emergency services carried out with expert craftsmanship.
To learn more visit http://www.accordrestoration.com/
Article Source: http://EzineArticles.com/?expert=Frank_Nemshick
Flooding Insurance Information
There are three main categories for flooding risk that Houston residents should insure for.
The first is for flood damage that happens due to plumbing problems. The two main causes of this type of damage are leaks or bursting of water pipes, and overflows such as air conditioning drain pans. Some homeowner's insurance policies will cover this type of damage and others don't. I suggest checking your policy or asking your agent about your coverage. If your policy doesn't cover this you should consider changing to a better policy.
The next type of flooding damage is driven rain that gets in after windstorm damage. This is usually covered on homeowner's policies. An exception would be in costal areas where this coverage is excluded. Then you would need a separate windstorm policy with the driven rain option for this.
The most destructive flooding is the type that results from rising water. Houston has suffered flooding frequently in the past so it is advisable to insure for this risk. Homeowner's policy almost always rising water flooding so a separate flood insurance policy is required. The least expensive way to get flood insurance is usually with the National Flood Insurance Program (NFIP). FEMA requlates this program and the federal government makes payments for covered losses. You can get coverage for just contents, or the home and contents. This insurance is also available for businesses. You get NFIP flood insurance at a regulated rate from private companys or agents that participate in the program.
NFIP flood insurance rates depend mostly on what flood zone you are in, how much coverage you want, and what deductable you select. The areas of least risk is in the B or X zones. These areas usually qualify for the "preferred" rate with a $500 deductable.
Here are some examples of preferred rates:
CONTENTS ONLY:
$8,000 for $58 per year
$20,000 for $113 per year
$40,000 for $147 per year
$100,000 for $221 per year
HOME PLUS CONTENTS:
$20,000 home plus $8,000 contents for $119 per year
$30,000 / $12,000 for $149 per year
$50,0000 / $20,000 for $196 per year
$100,000 / $40,000 for $257 per year
$200,000 / $80,000 for $326 per year
Texas residents can call my office at 281-537-2700 for more information. Or visit our Texas flood insurance website.
Also visit our homeowners insurance site Homeowners Insurance Houston website.
Article Source: http://EzineArticles.com/?expert=Glenn_Lamb
Flooding Insurance Information
There are three main categories for flooding risk that Houston residents should insure for.
The first is for flood damage that happens due to plumbing problems. The two main causes of this type of damage are leaks or bursting of water pipes, and overflows such as air conditioning drain pans. Some homeowner's insurance policies will cover this type of damage and others don't. I suggest checking your policy or asking your agent about your coverage. If your policy doesn't cover this you should consider changing to a better policy.
The next type of flooding damage is driven rain that gets in after windstorm damage. This is usually covered on homeowner's policies. An exception would be in costal areas where this coverage is excluded. Then you would need a separate windstorm policy with the driven rain option for this.
The most destructive flooding is the type that results from rising water. Houston has suffered flooding frequently in the past so it is advisable to insure for this risk. Homeowner's policy almost always rising water flooding so a separate flood insurance policy is required. The least expensive way to get flood insurance is usually with the National Flood Insurance Program (NFIP). FEMA requlates this program and the federal government makes payments for covered losses. You can get coverage for just contents, or the home and contents. This insurance is also available for businesses. You get NFIP flood insurance at a regulated rate from private companys or agents that participate in the program.
NFIP flood insurance rates depend mostly on what flood zone you are in, how much coverage you want, and what deductable you select. The areas of least risk is in the B or X zones. These areas usually qualify for the "preferred" rate with a $500 deductable.
Here are some examples of preferred rates:
CONTENTS ONLY:
$8,000 for $58 per year
$20,000 for $113 per year
$40,000 for $147 per year
$100,000 for $221 per year
HOME PLUS CONTENTS:
$20,000 home plus $8,000 contents for $119 per year
$30,000 / $12,000 for $149 per year
$50,0000 / $20,000 for $196 per year
$100,000 / $40,000 for $257 per year
$200,000 / $80,000 for $326 per year
Texas residents can call my office at 281-537-2700 for more information. Or visit our Texas flood insurance website.
Also visit our homeowners insurance site Homeowners Insurance Houston website.
Article Source: http://EzineArticles.com/?expert=Glenn_Lamb
Carpet Restoration After Flood Damage
If your home has recently been subjected to water damage due to flooding, one of the first things that you take into consideration is carpet restoration. Water normally results in some level of damage when it meets with the carpeting in your home. While many are likely to completely replace this aspect of the flooring, there are many others who would rather repair the carpet that they have. This is generally quite possible, and can be easy to do.
If you are considering repairing the carpet once it has been subjected to flooding, it is first important to consider whether or not it is possible to do so. This will basically be determined by carefully evaluating the base cause of the flood that initially damaged the flooring. If the water source was from environmental conditions, such as rain or lake flooding, it is often safe to attempt restoration. If flooding resulted from pipes in the home, it is safe to restore just so long as those pipes are not related to sewer and/or toilet plumbing.
Once you have located the source of the flooding, it is important to repair any and all areas that require it. You should do this prior to restoring the carpet, and test out the maintenance to ensure that the problem is completely eliminated. Once you have confirmed this step, you may begin the carpet restoration process. This will begin by getting a vacuum cleaner that can safely be used to vacuum up water. You should go over the carpet at least a couple of times to ensure that all the excess water has been completely lifted from the carpet.
Next, you should purchase a good cleaner that has disinfectant properties. You will want to mix it thoroughly with a small amount of bleach. Please make sure that the chemicals are safe to mix together. You should then scrub each area of the floor with the solution. The next step is to take the padding from underneath the carpet out and replace it with new padding. This is where most water will be retained. Prior to placing the new padding down, you should be certain to run a heavy fan on the area to ensure that it is dry.
Once you have laid the new padding down, you can then replace the carpet. You may want to take stock in machinery that can assist in the carpet restoration process to assist in this task. Edic wet/dry vacuums, carpet restoration chemicals, flood pumpers, and similar products. These can ensure success when you want to restore your carpets from flood damage.
Visit us for more information on carpet cleaning tips, chemical carpet cleaning and portable carpet cleaners.
Article Source: http://EzineArticles.com/?expert=Christopher_W_Smith
Save Your Laptop From Water Damage
One of the greatest inventions of all time after the personal home computer has got to be the laptop computer. So many people today own them and many find it very difficult to function during the day without them. So many other people use them than just in the business sector.
People with all kinds of lifestyles use a laptop to enhance their lives. School students and mamas that work at home keep them at hand. An active mom can move them from spot to spot when she needs to and students like to have access to them at school as well as many other places. You are subject to need them anywhere you might venture to. Wireless internet services are so great and the number of spots that they might be used is continually getting bigger. Even going into the wilderness is not always out of the question.
Because of all the flexible options that you enjoy with a laptop, there is a fear of misplacement, someone stealing it, or damage getting done to it. Being similar to cell phones, loss, theft, and damage through your own fault are not likely to be replaced under your warranty. Water accidents are a major thing that gets done to a laptop quite frequently. The chances of all kinds of liquids getting splashed in the laptops keypad and getting inside to the circuit board, seems to be less avoidable than with the tower of a desk top system.
If this should occur and a laptop gets contacted by water or some other wet substance, do not panic. It is entirely expected that you might because you will not only be scared of losing the laptop, but all the files it kept for you that is impossible to put a price on and can be impossible to recover. The first thing that you do is unplug immediately. Flip it upside down to get out as much liquid as possible. Remove the battery and dry it completely with a cloth.
The next thing you do is carefully disengage the screws are holding it together. With an absorbent, lint free cloth, very gently dab away the liquid. Then simply leave it alone for an entire 24 hours and possibly longer. Make very sure it is thoroughly dry before you attempt reassembling it and turning it on.
Just remember, this procedure is just if a laptop was exposed to water. If it was soda or any other sticky or acidic liquid, you should still disengage and remove the battery. Even though you may clean the circuitry with alcohol, you might possibly do more damage to a laptop that might be fixed more easily by a skilled computer specialist.
Dror Klar is a writer and promoter of quality Houston Water Damage Restoration and Manhattan water damage restoration companies.
Article Source: http://EzineArticles.com/?expert=Dror_Klar
Can You Reverse Damage Done To Your Arteries By Excessive Fat?
In the last few articles, we have discussed what the silent killer is, the causes (and the theories) and the demographics that it affects.
Only within the last few years have medical research teams produced reliable evidence showing that excessive fat in our diets may lay the groundwork for heart disease. If you are already past 30, it naturally occurs to you to wonder whether the damage done to your arteries is permanent, or whether it is reversible.
Reversing The Damage Done?
At the present stage of our research, doctors cannot answer the question with certainty. We can cite the hopeful fact that experiments with animals have shown that the condition is reversible in animals. We have evidence that the cholesterol in the arteries is absorbed in children, as shown by Dr. Russell Holman and others. However, this metabolic gift seems to be lost as we grow up. There are many authorities in the field who do believe that since atherosclerosis is reversible in animals, it can also be eliminated even after it is established in humans as well. However, we must proceed cautiously in basing our conclusions solely upon studies of laboratory animals, because their metabolism is different from that of humans.
Are You Already A Victim?
Another question that patients often ask me is: “Can you tell me whether I am already a victim of degenerative artery disease?” Unfortunately, we do not as yet have a test that can predict with certainty whether you are susceptible to coronary disease, or are likely to have a heart attack.
One fact, however, is certain: if laboratory tests show that you have an excessive amount of cholesterol in your blood, your chances of avoiding heart and blood vessel disease, which can lead to heart attack or stroke, are much smaller. You are then much more susceptible.
If you are over 30 years of age, you ought to have your physician include such a measurement of cholesterol level in your routine check-up. Too many men in the dangerous middle years are so busy playing for high stakes in the fast-moving game of life, that they forget that “hearts are trumps.” My advice: get a check up as soon as possible and follow the simple methods to reduce your chances of becoming a victim.
This is an excerpt from the hit new manual that everybody in the health and wellbeing industry is raving about. To learn more and to get a free sample chapter visit: VIPHealthSecrets.com
Article Source: http://EzineArticles.com/?expert=William_H_King
Only within the last few years have medical research teams produced reliable evidence showing that excessive fat in our diets may lay the groundwork for heart disease. If you are already past 30, it naturally occurs to you to wonder whether the damage done to your arteries is permanent, or whether it is reversible.
Reversing The Damage Done?
At the present stage of our research, doctors cannot answer the question with certainty. We can cite the hopeful fact that experiments with animals have shown that the condition is reversible in animals. We have evidence that the cholesterol in the arteries is absorbed in children, as shown by Dr. Russell Holman and others. However, this metabolic gift seems to be lost as we grow up. There are many authorities in the field who do believe that since atherosclerosis is reversible in animals, it can also be eliminated even after it is established in humans as well. However, we must proceed cautiously in basing our conclusions solely upon studies of laboratory animals, because their metabolism is different from that of humans.
Are You Already A Victim?
Another question that patients often ask me is: “Can you tell me whether I am already a victim of degenerative artery disease?” Unfortunately, we do not as yet have a test that can predict with certainty whether you are susceptible to coronary disease, or are likely to have a heart attack.
One fact, however, is certain: if laboratory tests show that you have an excessive amount of cholesterol in your blood, your chances of avoiding heart and blood vessel disease, which can lead to heart attack or stroke, are much smaller. You are then much more susceptible.
If you are over 30 years of age, you ought to have your physician include such a measurement of cholesterol level in your routine check-up. Too many men in the dangerous middle years are so busy playing for high stakes in the fast-moving game of life, that they forget that “hearts are trumps.” My advice: get a check up as soon as possible and follow the simple methods to reduce your chances of becoming a victim.
This is an excerpt from the hit new manual that everybody in the health and wellbeing industry is raving about. To learn more and to get a free sample chapter visit: VIPHealthSecrets.com
Article Source: http://EzineArticles.com/?expert=William_H_King
Flood Water Damage Insurance - What You Should Know
You were woken up at 12 midnight by the sound of a hailstorm that smashes your windows, followed by a torrential rain that refused to stop. Before you knew it, your home has been covered by damaging water. Will your insurance policy cover this loss? That will depends on the type of insurance you chose to purchase and how the water got into your home.
There are basically two insurance policies that deals with damage to your home due to water - a flood insurance policy and a homeowners insurance policy. Losses not covered by one of these policies may be provided for by the other. Planning ahead can help you know the losses to which your home could be exposed in order to decide whether to buy one or both of these insurance coverage.
Insurance policies differ in the coverage they provide from one homeowner to another. However, there are basic features common to all policies. You should talk to your insurance agent about the specifics of your insurance policy.
FLOOD INSURANCE
A flood is an excess of water (or mud) on land that is normally dry. The National Flood Insurance Program (NFIP) defines flood to be a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area, or of two or more properties (at least one of which is the policyholder's property) from:
Overflow of inland or tidal waters;
Unusual and rapid accumulation or runoff of surface waters from any source;
Mudflow; or
Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining, caused by waves or currents of water exceeding anticipated cyclical levels.
Flood insurance is a special policy that is federally backed by the NFIP and available for homeowners, renters and businesses. The standard flood insurance policy pays for direct physical damage to your insured property up to the replacement cost or actual cash value (ACV) of actual damages or the policy limit of liability, whichever is less. Generally, damage caused by water that has been on the ground at some point before damaging your home is considered to be flood damage. A handful of examples of flood damage include:
A nearby river overflows its banks and flows into your home.
A heavy rain seeps into your basement because the soil can't absorb the water quickly enough
A heavy rain or flash flood causes the hill behind your house to collapse into a mudslide that oozes into your home.
Flood damage to your home can be insured only with a flood insurance policy -- no other insurance will cover flood damage. Flood insurance is available through your insurance agent, insurance company or local Federal Emergency Management Office (FEMA). To determine if your home is located in a flood plain, contact your county planning office. If you are living in a flood plain, flood insurance may be an excellent purchase.
HOMEOWNERS INSURANCE
A homeowners insurance policy does not provide coverage for flood damage. Homeowners insurance policy provide coverage for many types of water damage to your home. Just the opposite from flood damage, for insurance purposes, water damage is considered to occur when water damages your home before the water comes in contact with the ground. A few examples of water damage include:
A hailstorm that smashes your window, permitting hail and rain free access into your home.
A heavy rain soaks through the roof, allowing water to drip through your attic or ceiling.
A broken water pipe spews water into your home.
Even if flood or water damage is not covered by your homeowners insurance policy, losses from theft, fire or explosion resulting from water damage is covered. For example, if a nearby creek overflows and floods your home, and looters steal some of your furnishings after you evacuate, the theft would be covered by your homeowners insurance because it is a direct result of the water damage. However, the flood damage would be covered only if you have flood insurance.
Flood Insurance is usually sold and serviced by insurance companies, and backed by the Federal Government. More than 80 insurance companies sell flood insurance. In most cases, the same insurance company that sold your homeowners insurance policy can help you with your flood insurance.
It is up to you to talk to your insurance agent about flood insurance and homeowners insurance, and then decide which insurance coverage you need to protect your home, its contents and your family.
You should get your flood water insurance quotes here. Article Source: http://EzineArticles.com/?expert=Shirly_Smith |
What You Should Know About Property Damage
Property damage can be of two types: damage that is done by someone else to your own property or damage caused by some natural disaster, and the damage that you do to someone else’s property. Having your property insured can save you from a number of possible disasters such as theft, fire, smoke, ice, vandalism and flood.
You need to know the features and services of a homeowner’s insurance policy. What are the types of policies available and the basic coverages included in those policies are some of the questions you need the answers to. Homeowner insurance provides coverage if there is damage done to your property, as well as the injuries or damage that you cause to other people or their properties. There are many different types of such policies and they are so confusing that sometimes you can’t decide which one is the best for you and whether you should be buying it or not. Let’s discuss some aspect of the homeowner insurance in detail.
The protections provided by the insurance include loss occurring to your home, loss of its contents (such as theft), and liability insurance for unexpected and unwelcome accidents. Flood, earthquake, and war are also covered in this policy. Although these circumstances are not likely to occur for many people who own houses, they are possible if you live in an area which is popular for natural disasters. Heavy rain and hurricanes can also damage the house substantially. The insurance contract is a very lengthy one, addressing each and every detail related to insurance items and other aspects. The policy costs roughly equal to the cost of replacing a house if there is a severe damage done to it.
In normal circumstances, you have to renew your home insurance after a fixed period of time. After this time the ‘term’ expires and you have to pay premium to the insurer once again. However, if you want to buy an insurance policy without a fixed term you may consider buying perpetual insurance. This type of policy is not offered in all areas. There are many types of home insurance policies found in the United States. They are different for different people. There is a policy for mobile home owners, renter’s coverage, a policy that covers only some portions of a house, a policy for only specific items (expensive ones), and a policy for condo owners. All these have different features and benefits and their cost varies significantly.
Don’t forget to go over your personal assets every now and again. Try to keep the coverage limits always up-to-date. Also try to find out the home building and re-building costs in your area and the information related to rental coverage. Re-examine your personal property regularly and increase coverage limits if you have to. Keep a file containing all important documents related to your home insurance policy. Keep it in a safe place or have someone else safe-keep it for you. Also keep contact information of your insurance agent and attorney’s phone number etc. You might need all this date in case of emergency or severe property damage.
Renter’s insurance is an important policy. It covers those areas which are not covered in any other home or building insurance policy. These policies are for those who live in apartments or on rent. They have to pay extra attention to their coverage because homeowner insurance does not always cover damage done by renters to the property. This policy also covers certain accidents and injuries done to guests. If you live in an apartment, this might be an important insurance policy for you in order to avoid possible future financial problems.
George Wood is a successful webmaster of many popular sites including auto insurance and business insurance site. If you want to read more about insurance, click over to George insurance site.
Article Source: http://EzineArticles.com/?expert=George_Wood
Appoint Property Damage Attorney to Deal With Your Insurance Company
Property damage of some kind or other has become quite a regular phenomenon these days. It can be either a manmade disaster like an automobile accident or any natural calamity that may cost you a fortune. Though there are insurance companies to pay the compensation, getting reimbursement from these companies are often difficult. This is where you will need an efficient property damage attorney to fix the deal on your behalf.
However, before continuing with the roles and responsibilities of a property damage attorney, it is necessary to understand the two major types of property damage you need to get insured against. These include insurance against damages done to your property by a natural calamity or by a third party and insurance against the damages you have caused to someone else's property.
It is better to appoint a property damage attorney as soon you experience any such damages and let them represent your case to the insurance companies. In fact, the executives of the insurance companies are very skilled and look for evidences, which they can use against you in case you make a claim for the damage caused. Therefore, appointing a property damage attorney is beneficiary as they are well accustomed with the loopholes and can handle the situation effectively.
The following are some of the categories under which the property damage attorney claims your damage:
• Compensatory Damages: The property damage attorney claims a compensation for the damage caused with the purpose of repairing the property. This particular claim is further divided into two sub categories:
Ø Claims for Special Damages: These types of claims are made if the damage is caused from the circumstances that occurred after the actual injury. These types of damages may include the need to hire replacement property, the cost of services and other similar unanticipated items.
Ø Claims for General Damages: These claims include the damages that are caused due to the act or failure to act properly on the part of the person to blame.
• Incidental Damages: Your property damage attorney makes these types of claims as reasonable charges that resulted from the injury. These may include the cost of delivery or expenses of photocopies and other documents.
• Punitive Damages: These claims are applicable in case of man made damages. The property damage attorney makes these types of claims against the party to blame so as to punish him/ her for their offence or oppressive behavior.
For more information related to Property Damage Attorney visit http://www.zrawa.com
Article Source: http://EzineArticles.com/?expert=Veronica_Walter
How to Boost Your Insurance Payout on Property Damage Claims
Filing property damage claims is a complex process that often results in the property owner being shortchanged. First and foremost, insurance companies are for-profit businesses. They aren't in the business for fun; they're in the business to make money. Insurance companies have two ways to make money: collecting premiums and minimizing payouts.
It doesn't matter if you have a homeowners insurance claim or a commercial property insurance claim, the process is the same. You pay premiums to the insurance company for coverage. If you suffer a covered loss, you file a claim and the insurance company pays you a settlement, less any applicable deductible. However, this settlement may not be enough to fully reimburse you for your losses.
In order to boost your insurance payout, you must not sit back and let the insurance adjuster tell you what they will pay. Instead, you need to take an active role or hire someone to act on your behalf. Remember that the insurance adjuster, no matter how nice he is, serves the insurance company whose goal is to make a profit by minimizing losses - including YOUR losses.
On the other hand, a public insurance adjuster is one that you can hire to represent you. These adjusters document everything and negotiate higher payouts directly with your insurance company. They are licensed and are often former insurance industry employees who know how the insurance claim game is played. They can counter any tactics the insurance company throws your way and aggressively pursue maximum settlement offers. These professionals earn a percentage of the payout, so it's in their best interest to maximize it.
If you want to boost your property damage payout on your own, find a reputable contractor who will be doing the repairs and ask the contractor to be present during the insurance adjuster's visit. The contractor will have the expertise to point out all structural and cosmetic damage - damage that the insurance adjuster may have overlooked on his own. In addition, the contractor will ensure that estimates reflect actual rebuilding and material costs. The insurance adjuster relies on books and software for making estimates while a real contractor has working knowledge of real world costs.
One of the most important tasks when boosting an insurance payout takes a bit of work on your part. You must thoroughly document EVERYTHING. Invest in a digital camera with a huge storage card and take hundreds of pictures. For example, if you have water damage, take pictures showing the standing water and water level as well as pictures of every single damaged item, especially those that you must throw out due to safety concerns.
Next, use a notebook or your computer to write down a complete inventory of damaged items along with their original cost and estimated replacement cost. Include everything, even small items. You'd be surprised at how your small losses soon add up to significant amounts. For example, if the contents of your refrigerator must be replaced due to the power being out for several days during a flood, make a thorough inventory of all items, even condiments. At $2 to $4 a bottle for salad dressing, mayonnaise, ketchup, and olives, it doesn't take long before you have a huge grocery bill just to restock the basics.
Don't forget to keep receipts for any emergency repairs, temporary lodging, and other related expenses and include them on your claim. When filing the claim, be as thorough as possible and make sure that the claim form is complete and legible. Insurance companies love to delay payouts due to "missing or incomplete" information.
By taking a proactive approach to filing a property damage claim, you will definitely boost your payout.
Dryout® Inc.
1415 Colonial Blvd.
Fort Myers, Fl. 33907
Mr. Mark Decherd
http://www.dryout.net
239-437-7100
Water Damage
Dryout Inc Emergency water damage restoration, drying, deodorization, decontamination, disinfection, mold removal, water and fire damage repair services by a network of trained specialists, technicians and restoration professionals across the USA.
Article Source: http://EzineArticles.com/?expert=Mark_Decherd
Home Improvements and Savings With the Hurricane Sock
With the threat of damage associated with hurricane season, more and more homeowners are seeking ways of keeping their home and possessions dry and safe. The best way to make sure home damage is kept at a minimal is to prepare ahead of time and carry effective products that deter the destruction of water leaks, heavy rain, increased precipitation, busted water pipes, flooded basements, and unavoidable acts of Mother Nature.
A popular product sweeping hurricane-prone locations (such as Florida) is called the Hurricane Sock, which acts as a heavy-duty water absorbent for the garage, basement, windows, and doors.
The Hurricane Sock has the capacity to absorb up to one gallon of water and especially accommodates windows and doors when damaging wet weather starts to stir. While the product name suggests it only assists those during hurricane season, there are many other uses associated with the Hurricane Sock. The sock works great to prevent the threat of mold and other damage that comes with a leaky basement, as well as combats pesky window moisture by collecting excess water.
The construction and use of materials of the Hurricane Sock is also impressive. The outside of the sock is constructed of a durable tubular nylon material, which is filled with an ultra-absorbent polypropylene. This allows the product to conform to any desirable surface in an economical and uncompromising manner. After a quick air-dry, the Hurricane Sock is ready for continuous reuse.
Common locations about the house that have responded well to the sock include leaky basement walls, patio sliding doors, garage cabinets, and uneven garage doors. Overall, the water absorbent sock is effective in lessening water damage, dampness, and mildew.
The sock also allows homeowners to pre-plan for the risk of leakage by using the Hurricane Sock in potential spots about the house where water is involved. This includes the water heater, water filtering systems, and the washing machine. In the end, you will find that the sock is much easier to use than a wad of paper towels, or mop and bucket to clean up water damage.
The typical Hurricane Sock is gray in color and measures three inches wide and four feet long. It also comes in varying sizes, price ranges, and quantities. For instance, two Hurricane Socks per case cost an average of $12.99. Four Hurricane Socks cost around $19.99 per case, while a dealer will charge about $29.99 for a case of 10 socks. One of the largest quantity-size orders per case is 40 Hurricane Socks, which runs a customer about $70.
Visit, subscribe to and bookmark: http://myhomeimprovementtips.com and sign up for our free newsletter at: Clean Up Stuff for your home improvement projects & tips.
Article Source: http://EzineArticles.com/?expert=Jim_Ames
Hurricane Ike May Spike a Storm of Insurance Problems
Persons living and working in the Golden Triangle area of Texas between Beaumont, Port Arthur and Orange were hard hit by Hurricane Ike, suffering many millions of dollars in damages, including losses from interruption of business. Now business owners and homeowners alike face a daunting task to rebuild.
That task will require relief in many forms, including insurance payments. Unfortunately, some companies in America's insurance industry have repeatedly demonstrated they are willing to commit insurance fraud rather than pay billions of dollars in damages, and then try to deal with the consequence, perhaps in court.
A lesson lies in Florida where, during a recent two-year period, the state suffered $36 billion in property damage after four major storms or hurricanes. To date, only $15 billion of those damages has been collected from insurance companies, some of which consider it profit when they refuse to make good on claims for which they are obligated by contract.
Homeowners and businesses with property damage insurance policies must be vigilant and not allow insurance fraud to occur. For one thing, if an insurance adjuster arrives to offer a quick, low-ball payment in order to settle the process, you should not accept such a settlement. Rather, you should insist on the full amount to which you are due given the precise nature of the contract signed both by you and by the insurance provider.
Also, don't allow an insurance company to be recalcitrant, negligent or otherwise slow to act. Such companies are required by law and by contract to give you an acceptance or a rejection of your claim within a short time, often two weeks. Failure to act promptly will not be viewed favorably by courts, which also hold insurance companies responsible for the ambiguity of any language in the policy which that company wrote.
If you have suffered hurricane property damage and your insurance company appears to be guilty of insurance fraud, a Golden Triangle hurricane property damage lawyer from Jim S. Adler & Associates can help you. The law firm has a long history of standing up to insurance companies and making sure that they pay the full amounts which they are obligated to pay by contract. Failure to do so is insurance fraud. Compliance in doing so, even after a lawsuit, is a triumph.
Article Source: http://EzineArticles.com/?expert=Bruce_Westbrook
Hurricane Damage to Oil Rigs and Environmental Spill Concerns
Our oil and gas drilling rigs are a national asset, as their production and collection effects the supply side of the economic equation. Our country runs on fuel and the flow of these fuels and crude is a necessity to the ability of our civilization to operate efficiently. When things break down or stop due to hostile weather storms we feel it in our economic output and productivity. In fact just about everything you buy has been delivered by something using fuel and most of us need and use natural gas for many things.
We must pit these needs of our civilization against the environmental costs associated with them. We indeed cannot afford to make trades, which might cause dead zones of sea life or pollute our oceans. Luckily for us Mother Nature is quite resilient in handling mankind’s pollution, however we must continuing monitor the types of pollution we allow and prevent 99.9% of it whenever we can.
Oil and gas drilling rigs often take hits from Hurricane Storms and occasionally one is completely destroyed, causing an unfortunate release of chemicals, oil spill or other pollution. These rigs are coated with very high-tech coatings to prevent rust and corrosion from the constant salt spray of the never forgiving ocean. I propose we add a coating to this already incredible coating; one which will be above the normal water levels. If an oilrig is tipped over or destroyed these coatings would mix with the water and release oil and gas-eating bacteria, which would attach to any spill and start feasting on it. Bio-remediation is a science, which has come very far very fast in the past decade.
I further propose that oilrig support structures have environmental dispensers containing spongy bio remediation pellets, which will be released if the rig is destroyed or turned upside down. These pellets would be made of spongy material containing soapy substances of bio-eating bacteria, which would feast upon the gas or oil spill. I propose that the spongy material not stick to ships or hurt the boat hulls of vessels, which might bump into them as they float. Additionally I propose that the spongy material would also be made very distasteful to birds, fish, sea life and wildlife; yet would clean the spill. Timed released biological and environmental remediation is nothing new, many environmental engineers use this to help reduce large algae blooms which threaten drinking water supplies, affect water quality or are a danger to sea life. Think on this.
"Lance Winslow" - Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance is a guest writer for Our Spokane Magazine in Spokane, Washington
Article Source: http://EzineArticles.com/?expert=Lance_Winslow
Hurricane Ike's Electrical Grid Damage - Its Time to Go Below Ground
In this, the Twenty-first Century, our reliance on electrical power is greater than ever. The fact that most of it is supplied by above ground power lines is indicative of a lack of concern about long-term interruptions and the inconveniences they cause. Hurricane Ike, the latest of many, is responsible for yet another. When will we learn to protect our Electrical energy by installing a below-ground power delivery system?
Several years ago, an ice storm in western North Carolina loaded most of the power lines with ice. The power lines were not meant to carry such a heavy weight. Some of them collapsed, leaving a wide area of North Carolina without power. Since many people had been convinced to buy all-electric homes, the problem became severe, and life-threatening in some cases. The ice also loaded many tree branches that would never have come close to the lines but for the weight of the ice. Power loss was severe and widespread. Some of the more inaccessible places waited a much longer time to get power back. For them, it was a matter of weeks, not days.
How often have you experienced a power outage because someone crashed an automobile into a power pole? I'll bet it's been more than once. If you look around your city or town, you'll notice that the power poles run alongside the streets. This must be this way in order for the power companies to be able to reach and service them. But that arrangement makes them vulnerable to damage from traffic.
It's time we considered putting these ugly, but necessary items below ground in well drained and protected conduits. There are many benefits to doing this. They will no longer be vulnerable to weather, traffic or damage from falling tree branches. It will beautify our cities and towns. There will no longer be a need to cut down entire forests of trees just to replace the damaged or just old rotting poles. That one, alone, is very green. There may even be a hidden benefit. Below-ground power is probably less vulnerable to attack by an Electro-Magnetic Pulse, or EMP. Other utilities may choose to use these facilities for many of the same reasons. They could help to defray the costs of installation. In addition, the earth will shield us from the electro-magnetic fields emitted from power lines.
As you can see, there are many good solid reasons to put power lines underground. There is a drawback, though. The cost of installation is higher. But considering all the pros and cons, it is apparent to me that the time to change over is now. If you think about it, I'm sure you will agree.
Jim Hall is a Caveman from another millennium. He's an aspiring author and novelist wanna be. Writing for him is a change of character as well as occupation. Bear with him and he will grow and develop into a writing butterfly after his metamorphosis. He once was a carpenter caterpiller until he entered the chrysalis stage. Breaking out of the cocoon of a previous career is hard work but rewarding work. Like a butterfly, look for great things to come. You never know!
Find him in the EzineArticles Author area. The sales pitch is he is eager to write and he needs cash. He is fairly literate and somewhat well read. Carpenters can read, you know!
The real plus here is he is not bound by the conformity and whims of conventional thought. To him, functionality is beauty. If it works well, it's beautiful. It doesn't have to be pretty.
Article Source: http://EzineArticles.com/?expert=Jim_Hall
Stop Drinking Alcohol Now - The Resulting Brain Damage From Alcohol Abuse
Alcohol abuse affects the body in many ways. In the brain's case, the effects can be devastating and permanent. Long term alcohol abuse has been shown in many brain studies to actually physically shrink the portion of the brain that controls the memory and learning functions. This decrease in area is most apparent in the cortex of the frontal lobe, which is the center of higher intellectual functions. The shrinkage of these areas will continue to grow with continued drinking and with age. The first noticeable sign of alcohol associated damage is short-term memory loss.
Progressive brain shrinkage was shown in a study that conducted periodic imaging in alcoholics over a five year period. The amount of brain shrinkage was directly related to the amount of alcohol consumed, but there was no question that the shrinkage far exceeded anything in the normal range.
Any alcoholic who drinks larges amounts of alcohol over a long period of time is a candidate for alcohol related brain damage. How extensive the damage is depends on the system of the drinker, the type and amount of alcohol consumed, and diet that accompanies the chronic drinking.
Another contributor to brain damage is the nutritional problems that are created by alcohol consumption. Malnutrition is many times the result of drinking excessively. Essential parts of the brain experience damage due to vitamin deficiencies, thiamine in particular. Toxicity in the body's systems builds from alcohol, damaging vital organs such as the brain, liver, pancreas, and kidneys.
Alcohol also has a serious effect on the central nervous system.
If caught early enough, much of the alcohol damage can be reversible. Sometimes it will disappear entirely. The chance of reversal is greatly increased by stopping drinking completely, maintaining a healthy diet and taking vitamins, especially B1 and thiamine. Liver functions can even be repaired with a little known vitamin called milk thistle.
Rehab centers, drug rehab centers, alcoholics anonymous, alcoholics anonymous uk, symptoms of alcohol dependency, alcohol dependency, how to stop drinking, stop drinking, how to stop drinking alcohol, quit drinking alcohol, alcohol withdrawal Discover how to Stop Drinking Alcohol In 21 Days - Guaranteed by expert Ed Philips and find further guidance here to help you Stop Drinking Alcohol
Article Source: http://EzineArticles.com/?expert=Eddie_Philips
Treatments For Traumatic Brain Injury
For individuals who have suffered a traumatic brain injury (or TBI), treatment begins the minute they are in the presence of a medical professional-usually either an EMT worker or an Emergency Room doctor.
While little can be done to reverse any initial damage caused by the injury, medical professionals can work to prevent any further injury to the brain of the affected individual. The most important course of action is to make sure the individual is getting enough oxygen, as oxygen deprivation can result in further brain damage.
Medical personnel will also work to ensure proper blood flow in the individual and to control his or her blood pressure.
Reducing Intracranial Pressure
Intracranial pressure can rise in patients with a traumatic brain injury, and so pressure levels are closely monitored. Possible ways to treat high intracranial pressure include
· straightening or raising the head of the individual to allow greater blood flow
· performing a ventriculostomy-a procedure that drains cerebrospinal fluid from ventricles
· use of a sedative or paralytic agents
· use of hyperventilation, which decreases blood flow to the brain
Seizure Prevention
Seizures are common in individuals who have had a traumatic brain injury. As such, medical professionals will often use benzodiazepines to prevent seizures in TBI patients. However, these medications should be taken with caution as they can potentially depress breathing and dramatically lower blood pressure.
Surgery
If a TBI patient has sustained contusions or hematomas as a result of his or her injury, these masses may need to be removed through surgery. A craniotomy (which is a removal of a portion of the skull) is necessary in approximately one third of patients with a severe traumatic brain injury.
Rehabilitation
Individuals who are in the recovery stages of a traumatic brain injury will usually undergo different types of rehabilitation including
· physical therapy
· occupational therapy
· speech / language therapy
· psychological treatment
· psychiatric treatment
The purpose of any type of rehabilitation is to restore the patient's quality of life to what they experienced prior to their traumatic brain injury as much as possible.
It is possible for individuals displaying prolonged psychiatric or behavioral problems to receive medication to help them return to their previous mental state. However, continuous psychotherapy or psychiatric treatment may be required.
If you would like more information on treatment options for people with traumatic brain injuries, contact the brain injury attorneys of Williams Kherkher today.
Joseph Devine Article Source: http://EzineArticles.com/?expert=Joseph_Devine |
Medical Negligence Results in Child Receiving Brain Damage
In San Francisco (USA) Thomas and Kim Champion gave birth to a little girl called Jessie. However, the happy bubble was soon to burst, because after a couple of days, Jessie began to develop severe jaundice, a common, but possibly a life - threatening illness if it goes untreated due to medical negligence.
Things for Jessie and her family started to worsen, when the doctors failed to treat and test her jaundice, which later developed into kernicterus, which is a preventable but debilitating and lifelong syndrome. As a result, Jessie now suffers from speech and hearing dysfunction as well as cerebral palsy and motor skills impairment.
Jessie is now five years old and her parents have filed a lawsuit in Alameda Superior Court alleging that Alta Bates Summit Medical Centre and other parties were medically negligent for failing to diagnose and treat their daughter's severe newborn jaundice. As a result, the parents are seeking compensation for lifelong medical care and special needs.
The medical negligence suit alleges that the doctors missed several opportunities to intervene and prevent her worsening brain damage. This is shocking, as Jessie's jaundice was noticeable within the first 48 hours of her life and was even brought to the attention of and noted by Alta Bates at the time.
This concern was faced by Alta Bates with a response that medical providers failed to consider the unreliability of visual jaundice assessments in dark-skinned newborns, hence they did not perform a blood test. Later, Jessie was discharged, without telling her parents about potential problems.
Jessie's attorney Cynthia McGuinn stated: "This tragedy was an unnecessary and completely avoidable medical complication that only occurs in cases of medical negligence. Jessie was visibly jaundiced within the first two days of her life, and her doctors noted it on her medical records but failed to conduct a simple, inexpensive blood test that would have identified here elevated bilirubin level and allowed for timely treatment to reverse this toxic process entirely."
Things started to get really bad, when after a couple of days, Jessie and her parents returned back to hospital as he jaundice had got so severe. However, medical attention was further delayed to the staff not working quick enough to test Jessie's blood. Eventually, a second blood test was produced which demonstrated a life-threatening bilirubin level.
McQuinn commented further on the suffering and distress Jessie has to go through daily which could have been avoided: "Now, due to her medical providers' negligence, this once healthy baby girl is celebrating her fifth birthday brain damaged and severely disabled, relegated to a wheelchair and completely dependent upon others for all aspects of her care. Our community, simply can't stand for another healthy child to become completely disabled from an easily detectable, treatable and totally reversible condition."
The suit alleges that, despite medical knowledge, there was no ambulance provided. Hence, more delay and failure to administer immediate medical attention all added to the severity of Jessie's personal injuries.
Catherine has more articles pertaining to medical negligence Article Source: http://EzineArticles.com/?expert=Catherine_W |
Dealing With Storm Damage Repair
The roof is the one part of a house that really protects occupants against the elements. Wind, rain, snow, sun and any inclement weather is constantly beating down on the roof of your house and this combination can have dire effects. Using a quality roofing firm and superior roofing materials means that you will be protected from all but the harshest of these conditions. However, when the weather really strikes, there is very little we can do to ensure the integrity of our roof. Storm damage repair can be costly, however, it is much cheaper than leaving it to get worse and worse.
Why you shouldn't do storm damage repair yourself
Regardless of the quality of your roofing and how well you look after it, certain circumstances invariably lead to damage that must be replaced as quickly as possible to avoid further, much more costly damage to the roof and to the structure of the home itself. Paying for good storm damage repair is absolutely essential in maintaining the integrity of your home, and having the storm damage repair done quickly is also vital. Small cracks or holes can quickly lead to bigger problems so you should get a quote from a trusted and respected company as soon as you possibly can.
Very few people really know anything about storm damage repair and unless you have been in the unfortunate circumstance of needing it done it is unlikely you will know where to start. Attempting storm damage repair yourself can prove more costly than paying a professional to complete the job properly. Obviously, though, you will want to stop the rain and the wind from getting inside the house and if the storm has hit several houses in your area it may be a short while before you can get a roofer to come and fix your problems.
Temporary storm damage repair
Temporarily you might want to consider securely fixing some tarpaulin over any holes. It is important that you do this very securely and that you don't leave any gaps, no matter how small the gaps may be. If you do leave even a small hole then the wind can easily get underneath the tarpaulin and rip it up taking yet more of the roof with it. You should fix the tarpaulin to the outside of your roof because while fixing it inside may prevent it from catching in the wind, rain will collect and run into the house, making your temporary storm damage repair useless.
Adequate temporary storm damage repair
The tighter you can pull the tarpaulin over the hole the better, so tightly secure one end and then gradually move around pulling it tight and securing it in place with plenty of roofing nails. If you get it tight enough with no holes there is no reason that you will take on further leaks while you wait for a professional roofing contractor to come out and complete the required storm damage repair. Bear in mind that full storm damage repair will first involve a thorough checkup of the whole roof and simply fixing the holes that have appeared might not be the full picture of what is required.
As Northern Virginia Roofing Contractors, Roofer911.com takes great pride in maintaining customer satisfaction for all types of new roof installation and roof repair work for residential and commercial roofing accounts. Need free contentent, visit us at: Home Service Articles
Article Source: http://EzineArticles.com/?expert=Steven_Briesemeister
What to Do If Your Vehicle Has Damage From a Storm
So many states are being hit by natural disasters such as hurricanes, tornadoes, floods, earthquakes and more. Those disasters usually bring damage to our homes and vehicles since unfortunately we do not all have the option to keep our vehicles covered or protected. Our vehicles can incur a lot of auto body damage from hail, water, or from the wind pushing other items on to your vehicles and causing damage. If your vehicle is damaged during a storm, what should you do to get it repaired?
You first need to check with your insurance provider to see if you are covered for any storm damage. They will let you know if and what they will cover. They will also tell you what your deductible is for the repairs. If you decide to use your insurance to help pay for the auto body repairs you will need to see if they require you to use certain repair shops or if you can just use one of your choice. You may be surprised to find that many times the repairs are quite affordable and most people do not even choose to use their insurance.
You will also need to decide whether you will be getting a repair or replacement. A repair is a great way to go since they take less time to complete and will cost much less as well. Auto body repairs that can be completed at most auto body shops include bumper repair, auto body repair, windshield repair, paint touch up, paintless dent removal, wheel rim repair, interior repair and much more. The repairs come out looking great in the end and it is hard to notice that there was damage to begin with. Also the repairs hold up safety wise just as good as the replacement does.
Your next step is to choose an auto body shop for the repair. It is important that you look around for an auto body shop that will produce the best quality work for your vehicle. You should start by asking around to check the reputation of auto body shops around you. Then you should visit them and see what kind of operation they are running and make sure you feel comfortable there and with the auto body repair specialist as well. You may also want to ask while you are there to see some examples of their work so that you can see the degree of quality they produce on their work. You also want to get a good deal, so get estimates from all the places you are considering especially since they are usually done for free. Also remember if you are using your insurance you need to check to make sure that they auto body shop accepts the insurance provider you are using.
You want to make sure that you take care of repairs quickly since many times unrepaired damage leads to more damage which means more money out of your wallet. So look for an auto body shop to repair your vehicles storm damage today.
If your car is in need of auto reconditioning start looking for a qualified professional to handle your concerns. Look for an auto body professional to take care of your ride from bumper repairs to fixing the major auto body repairs.
Article Source: http://EzineArticles.com/?expert=Samantha_Mccartney
Roofing Insurance Claims for Storm Damage
As homeowners, we are vulnerable to mother nature every day. When misfortune lands at our doorstep or, in this case, our rooftop, we can be thankful for insurance coverage and the availability of roofing insurance claims for storm damage. When purchasing insurance, it is always advisable to check with your insurance agent about your policy's coverage as it relates to roofing insurance claims storm damage.
If you live in an area where storms, especially those known to create a lot of damage, occur frequently, ask your agent to explain exactly what is covered in the event of a loss. For instance, if you live in an area that is known for hurricanes, tornadoes or flooding, these are all factors that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined. At times, there are reports of individuals who suffer extensive storm damage to their home only to learn that their policy did not cover roofing insurance claims for storm damage. There is no doubt that storm damage can cause a lot of problems with your roof in particular, so it's extremely important to make sure your insurance policy covers any problems that may arise in the event that the unexpected should occur.
When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster. It is expected that, at some point, our roof will be in need of repair. Our roof is essential to a home because, without it, we would be left out in the rain - literally.
If your roof is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage. Your agent will then advise you in proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It's important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for storm damage.
After the initial contact with your insurance agent, you should receive a letter or telephone call from their department, which handles roofing insurance claims for storm damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until your hear from your insurance agent. The adjuster may, however, provide you with an estimate on the cost to repair any damage that your roof has sustained during a storm.
Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional. If you choose to hire a professional, ask them to provide you with a projected cost once they have reviewed the damage. During your initial conversation, explain that the funds will come from your insurance company's claims department, which handles the payment of roofing insurance claims for storm damage. Provide the projected cost information to your insurance company for processing. Depending on the company's policy, the funds may be paid upfront or after the job is complete. If the money is held until completion, have an invoice sent to the insurance agent for final payment.
As Northern Virginia Roofing Contractors, Roofer911.com takes great pride in maintaining customer satisfaction for all types of new roof installation and roof repair work for residential and commercial roofing accounts. Need home service articles? Find Local contractors in your area today.
Article Source: http://EzineArticles.com/?expert=Steven_Briesemeister
Subscribe to:
Posts (Atom)
RSS Feed (xml)
