Leaks, the Most Common Roofing Problem

For residential and commercial roofs, roofing contractors offer owners of residential units, offices and buildings a choice: a flat roof system; a sloped roof system; or a waterproofing system.

Unlike any other components of a building, the roof is the most susceptible to damage due to severe weathering, contraction, expansion, and human abuse. Heavy rain, hail, excessive heat, ice or snow buildup, damp conditions and not enough sun, buildup of leaves and other debris; and lack of maintenance and cleaning and just a few of the causes of roof damage. If not repaired as soon as the first signs of minor damage are detected, then what starts as minor annoyances can intensify over time and become major problems which would take longer and more costly repairs.

The most common roof problems complained about by customers include missing or damaged shingles, molds or algae growth, clogged gutters, roof vent damage, and leaks. But though it is definitely unwise to postpone repair of roof damage, many commit the error of delaying repairs, thinking that the problems (mentioned above) are not really causes of worry or trouble.

As explained by the Ft. Lauderdale roofing company in its website, where leaks are the problem, roof repair is the immediate, though temporary solution. Leaking roofs are refurbished at what are called “flashing conditions,” areas where the roof changes directions; 90% of all roof leaks originate from flashing conditions.

Because roof repair is more affordable for customers and will never interrupt their (home or business) activities, a good and trusted roofing contractor would openly recommend it to customers instead of roof replacement, which is not necessary as the roof is still possible and worth repairing.

Before starting any job or tying customers to any job contract, roofing contractors also usually first conduct a free commercial roofing analysis which is done by a certified forensic specialist for the purpose of surveying the overall condition of the roof. This roofing analysis aims to find out the age, dimensions, shingle type and slope of the roof, to enable the contractor to prepare a customized report on the current condition of the roof and its expected durability.

Read More

Impacts of Spinal Cord Injuries

The study of a type of roundworm – C. elegans – is providing researchers with a platform to investigate how to fast-track the regeneration of central nervous system brain cells that can serve as a cure for people suffering from spinal cord injuries and paralysis.

In a study which was published online in the Proceedings of the National Academy of Sciences on April 26, 2016, Boston University School of Medicine researcher and lead author Christopher Gabel PhD, said, “We describe a new type of neuron regeneration in C. elegans that is independent of previously discovered regeneration pathways.”

Gabel, who is the assistant professor of physiology and biophysics at BUSM added, “At the end of development, neurons in the adult human CNS, such as the brain and spinal cord, lose their ability to effectively regenerate in response to injury. But, when two lesions are made to the same neuron, remarkably, some cells in the human CNS robustly regenerate – a phenomenon known as lesion conditioning and which was strikingly similar to what we saw in our elements with C. elegans.”

The website of Crowe & Mulvey, LLP says that when a person has incurred a spinal cord injury, he should expect that every aspect of his life would be affected by this phenomenon. For instance, if one gets injured at the lowest part of the spinal cord – which is referred to as the neurological level of the spine – a person experience either complete paralysis (loss of all sensory and motor functions below the spinal cord injury) or incomplete paralysis (loss but not total loss of sensory and motor functions below the affected area in the sense that some feelings and some motor functions can still be felt and exercised, respectively).

Among the most common impacts of a spinal cord injury include loss of movement, sensation which includes the ability to feel cold and heat, and bowel or bladder control; pain or an intense stinging sensation due to the damage incurred by the spinal cord; and difficulty in breathing and in expelling secretions from one’s lungs.

Read More

What If Someone Injures Me?

To start with, do not panic. Anxiety is often brought on by problems or concerns about things that haven’t occurred but you believe are heading to result into catastrophic, almost planet-ending situations. It really is the best strategy to attempt to keep yourself considering realistically.

The best thing if you have been injured by someone to do is to assess the situation. Is the injury one that is easily blown off and forgotten by the end of tomorrow or is it something that could totally hinder you from seeking your profession? It is most likely not worth trying to follow the lawful action for in the event the former. If it’s the latter, action at law is a potential course of action due to the expenses which are essential in order for you to recover from your trauma.

As stated by the internet site of the Hankey Law Office, you should make sure that your recovery is prioritized instead of letting worries of the future make you more nervous than you need to be; getting help that’s more experience than you with one of these issues may make procedures substantially smoother and less trying than they have to be, rather than working everything on your own.

Harm which has been triggered to the victim’s person – be it a bodily, psychological, or psychological injury (or possibly a mix or 2 or maybe more of the sorts of injuries) – due to random or deliberate carelessness is topic for examination under the rights system through the pursuit of a personal injuries situation. These kinds of cases may become complicated because of the various aspects and parameters to contemplate.

Read More

Solving Issues of Insurance Bad Faith

It is in the very nature of accidents to be unpredictable. There is no way to account for when an accident will exactly occur nor is it possible to precisely name how it will turn out. As a result, the public is constantly urged to practice vigilance and awareness to ensure that any risk is properly reduced. One of the ways the public is encouraged to do this is by setting up insurance policies that can cover for damages and injuries arising from accidents. Any catastrophic accident is sure to leave individuals vulnerable in many different aspects. Preparing for the possible financial issues caused by such incidents can go a long way in ensuring that damages and injuries are properly addressed.

Holding an insurance policy is considered to be among the most important steps to take to prepare for accidents. Unfortunately, there are some policy holders that fail to receive appropriate compensation for their valid claims. While it is often sought as the best back-up plan to any untoward event, having an insurance policy doesn’t necessarily guarantee financial assistance. With select insurance providers failing to provide proper payments to their clients, insurance bad faith remains an existing issue. Even those who have opted to pay higher premiums fall victim to the industry’s cracks. According to the Jeff Sampson Law Firm, of the most notable instances of insurance bad faith include delayed claims, denied claims, reduced claims, and insurance fraud.

All in all, any act of insurance bad faith is considered a gross violation of both the implied and legal agreement between insurance providers and policy holders. It is an unfortunate reality that there a number of dubious insurance providers that are far more interested in safeguarding their own interests rather than those who are paying for their services. Those thinking of purchasing insurance policies should look out for dodgy practices such as false advertising and exaggerating or misrepresenting the insurance policy plan that may suggest more troubles down the road.

Read More

Burns: One of the Severe Effects of Chemical Hazards

There are about 32 million workers in the US who are regularly exposed to chemical hazards, according to the US Department of Labor. And with around 650,000 chemical products already available in the market and hundreds more being introduced every year, both employees and employers have a lot to be concerned about.

While factory workers, construction workers, those in the cleaning business, and those whose work is directly involved in the extraction or manufacture of hazardous substances, face the greatest risk of injury and/or illness, office workers also get a share of the danger whenever paint, cleaning chemicals and other dangerous substances are used in their work area that is poorly ventilated.

The injury that chemicals can cause depends on their type and a person’s level of exposure to these. Besides direct skin contact, a person can also be injured through ingestion or swallowing, which happens when, after handling the toxic substance, the person eats or smokes without washing his/her hands first, or through inhalation of chemical fumes. The toxic gases and vapors released by chemicals not only irritate one’s nose and throat; often, these fumes settle into the blood stream or lungs, where these create the worst and deadliest damages.

The injurious effects of chemicals include serious health disorders, damage to internal organs, respiratory problems, birth defects, disfigurement, and severe burns. Burns are caused not only by fire or contact with a very hot object (thermal burn), but by chemicals too. And, according to the Occupational Safety and Health Administration’s (OSHA) Hazard Communication standard (HCS), the worst thing about chemicals is that these not only cause physical hazards, but health hazards as well.

By physical hazard, HSC means that a chemical is not just combustible or flammable, but supports fire or burning too. Health hazard, on the other hand, means that a chemical can cause severe or lasting health effects in workers who are regularly exposed it.

The website of The Law Offices of Crowe & Mulvey, LLC, points out the consequences and the extreme pain and difficulties that burn victims can suffer from. Besides the possible permanent damage that burns can cause, there will also definitely be the costly medical bills and, possibly, life-changing disabilities.

Read More

What Not to Put in Storage Units

According to the website of Ben White Mini Storage, you should utilize all of the space in your storage unit. However, this does not mean to fill it to the brim with unnecessary items or ones that do not belong in storage units. This could potentially become very dangerous.

Flammable items should not be out of your sight for too long. Therefore, keeping them in a storage unit would not be ideal. They would pose a risk to the rest of your items in the unit as well as the unit in general. This would most likely cost much more than the items lost, considering the potential damage that could be done to the unit.

Food should never be stored away in a unit. This will cause rodents and insects to appear. Plus, why keep something of immediate use in a storage unit anyway? If you are planning on using it as a post-apocalypse hiding spot, re-think that idea, find a better hiding spot, and store your non-perishable food there.

Although it is rare you will use important legal documents, keeping them in storage further increases the risk of them getting stolen. Instead, keep them in a safe or strategically buried in miscellaneous items in your home.

Make sure you do not use your storage unit as a place to keep your pets when you are not home. Not only is this a scarring experience for animals due to its lack of light and space, but it is also illegal. Most people who love animals enough to get a pet would not even think of doing this, but for those that have thought about it, know that you can face legal consequences.

Bicycles should be there for you when you want to spontaneously exercise but do not have enough motivation to go running. That being said, do not keep your bike in a storage unit because by the time you get to the storage unit to pick it up, you might lose the small amount of motivation you managed to pull together.

Read More

Debt Negotiation – A Better Legal Option in Solving a Debt Crisis

The US Bankruptcy Code offers business firms and individuals various legal means that will enable them rise up from overwhelming debts and regain stability through financial control. One of these legal solutions is bankruptcy, which has two types: liquidation bankruptcy and reorganization bankruptcy.

Bankruptcy offers many advantages, such as the restructuring of the debt payment scheme to make monthly payments more affordable, the discharge of all unsecured debts (such as debts due to credit card use, medical bills, personal loans, etc.), or the liquidation of certain assets and properties to pay non-dischargeable debts (these are usually debts owed to the government).

There are different chapters in the US Bankruptcy Code, each designed to address an individual’s or a firm’s specific financial situation. There is chapter 7 (which is liquidation bankruptcy), chapter 11 (or business reorganization, chapter 12 (designed for families of farmers and fishermen), and chapter 13 (or business reorganization designed for sole proprietors).

In the year 2010 alone, the U.S. federal bankruptcy courts recorded the filing of more than 1.5 million personal bankruptcy cases. Millions of American individuals and hundreds of business firms (both small and giant firms) resort to bankruptcy due to the many advantages it offers. However, a good business lawyer would not right away offer bankruptcy as the main solution to overwhelming debts. He/she will first discuss bankruptcy’s advantages and disadvantages, as well the benefits and detriments of other legal means, like debt negotiation.

The law firm of Ryan Ruehle, with address www.ryanruehlebankruptcy.com/, explains pretty clearly what bankruptcy and debt negotiation are, the specific chapters of the bankruptcy code (with the specific benefits offered by each chapter, as well as the requirements for eligibility), the differences between the two legal solutions, and the advantages and disadvantages of both.

On top of the advantages, bankruptcy also orders an “automatic stay” once it is filed. This stay stops any attempts made by creditors to repossess, or foreclose on, a debtor’s property, order an eviction or utility shut-off, and force the debtor to pay through harassing tactics that include threat of a lawsuit, sending of email/text messages, phone calls, letters, and a court request to have the debtor’s wages garnished or his/her bank account levied.

Ryan Ruehle, however, points out that debt negotiation may prove to be better due to the more manageable payment plan that it offers. This is because debt negotiation:

  • Does not require a litigation process (which bankruptcy requires)
  • Offers debtors the choice of paying the debt through a single/lump sum payment or through more affordable monthly payments
  • Frees the debtor from being harassed by debt collectors, as well as from lawsuits and any legal action that will result to the forced sale of his/her properties
  • Reduces or defers interest payments, lengthens the time span of payment, and allows the consolidation of loan payments
  • Can reduce the amount of the loan to more than half its original sum

It will require great negotiation skills and extensive financial expertise, however, to make debt negotiation effective and successful.

Read More

Trucking Accidents

Drive far enough and long enough and chances are an accident will happen. This is especially true when it comes to commercial truck drivers, who not only have the stress of constantly being behind the wheel day in and day out, but also the pressure to clock in as many miles as possible to maximize income. A major cause of truck accidents is driver fatigue, and that can mean a heap of bad news of a whole lot of people.

Commercial truck drivers in the U.S. are held to a higher standard licensing-wise than an ordinary driver, primarily because they operate a much more dangerous vehicle due to its weight and size, and sometimes also because of what they carry. A truck accident involving a big rig carrying gasoline, toxic chemicals, and other hazardous materials can mean disaster on many levels, including personal injury, property damage, and environmental pollution.

According to the website of Tennessee-based law firm Pohl & Berk, LLP, an accident may not even be anyone’s fault but it is disastrous just the same. This is the reason why it is so important that truck drivers and trucking companies maintain a high standard of care when putting these large trucks on highways. Unfortunately, a lot of drivers and trucking companies fail to take this responsibility sufficiently to heart.

When a truck driver violates the hours of service, with or without the knowledge of the employer, they both become liable for any personal injury or property damage that results from driver fatigue. The same applies for a driver who is intoxicated or distracted, the owner whose equipment and vehicles are poorly maintained, or the parts manufacturer who supplies a defective product that causes an accident.

Victims of truck accidents or eligible family members can sue those responsible in civil court, but filing a claim and winning it are two different things. The services of an experienced truck accident lawyer will be necessary to prove negligence and put together a convincing case to encourage a just settlement or award.

If you have been injured in a truck accident, make sure to contact a personal injury lawyer as quickly as possible. An attorney will be able to help you through the legal process, making sure you understand all of the complexities of the law. This is a difficult and stressful time and you shouldn’t have to go through it alone.

Read More

What Everyone Should Know About Dealing With A Personal Injury Case

Are you trying to learn about personal injury cases due to your own injury or a past trial? Either way, it is wise to learn the ins and outs of this kind of law in order to be successful with your own experience. The information included here will give you a great background when it comes to making a personal injury claim.

Even if you are in an accident and you do not feel like you are injured, go see a doctor. There are many times that injuries come up later as a result of an accident. Seeing a doctor will show that you had some concerns about your condition early on.

During your initial consultation with your personal injury lawyer, check to see how organized he is. This is important because you will want someone who is on top of their game to represent you. Small personality traits like this can make all the difference when the lawyer is making your case in court.

If you are looking for a reputable personal injury lawyer, ask around your friends and family for referrals. They may have been involved, or may know of someone who has used, the services of such a lawyer in the past. They will be able to give positive and negative recommendations based on their experiences. If none of your

Ask your lawyer any questions that you have. These questions should consider your overall expectations so that you’re aware of everything involved. Asking questions will make you more comfortable and build trust between you and your lawyer.

If the lawyer you are talking to normally works with insurance companies, you probably want to pass on their services. Instead, you want someone who has experience helping the injured person. These personal injury attorneys should have the background that you need to successfully win your case, and you will probably feel more comfortable with them as a result. These kinds of lawyers are also more inclined to empathize with a client’s situation; more information can be found on the homepage  of Pohl & Berk, LLP.

What you should take away from this article is that you don’t have to be a personal injury expert in order to navigate the field correctly. The more information you know, the better chance for success you have. Use the tips in this article to guide you and make you prevail. Obviously, having the help of an attorney can make a significant difference and is the most recommended way to proceed with a lawsuit. Nevertheless, people have successfully represented themselves in court.

Read More

ERISA Claims

It was once not uncommon for employers to offer robust pension plans so their employees could be ready when the time for their retirement arrived. They were a reward for loyalty and created strong relationships between the employer and employee. With the rise of other forms of retirement plans, usually not provided by employers, pensions became less common, but more desirable.

The Employee Retirement Income Security Act of 1974 or ERISA is primarily the federal government’s endeavor to protect the rights of an employee with a private pension or health care plan in terms of the fiduciary responsibility of the employer or plan administrator. The concept of watchdog legislation for retirement benefits came into being with the failure of the defunct Studebaker Corporation to properly manage and fund the pension plan, leaving a majority of the employees with a fraction of what they should have gotten, or none at all.

ERISA does not compel private industries to set up a pension or health care plan for their employees; it merely ensures that those that do establish such plans can deliver on what they promise. ERISA ensures the availability of the expected funds to employees upon retirement by regularly monitoring the financial management of these plans and requiring insurers to be transparent in their dealings with their planholders.

However, aside from fiduciary responsibility, it is also within the mandate of ERISA that pension or health care plan providers which wrongfully deny, delay or undermine payments to their policyholders can be held civilly liable for insurance bad faith. ERISA claims can be legitimately made by retirees or those who may have survivor benefits when they are denied disability, health care, or retirement benefits they have been promised as part of their employee benefits. In effect, ERISA provides the bullets in which any attempt of the insurer to shortchange their plan holders can be shot down.

Unfortunately, dealing with insurance companies determined to stick to their guns can be very complicated, typically beyond the understanding of laypersons and even some lawyers. It is important to retain the services of a lawyer whose specialty is in insurance bad faith and ERISA claims in order to effectively address the legitimate financial and health claims of a retiree.

According to the website of this Wyoming ERISA claims lawyer , a prepared and experienced attorney will know how to fight an insurance bad faith case effectively. It is imperative that all of the evidence be compiled and presented in a way that is congruent with what a court of law will find convincing. This will entail a lot of documentation that the average person may not consider.

For those who have been hurt because of insurance bad faith, contacting a insurance law attorney is essential. A lawyer will be able to help you through your case and can make sure that you get the compensation that you deserve.

Read More

Let’s Connect!