The aftermath of a destructive storm can leave a huge problem for you. While the storm may be over, your woes may just be beginning. For most people, the end of a storm would mean the start of the rebuilding process. It is likely that the damages you incurred would be too costly for you to handle from out of your own pocket. If you have insurance, it is possible to file storm damage claims.
A Texas storm damage attorney will tell you that having insurance can provide you with the needed financial assistance for repair and replacement of your damaged home. However, the claims process can be long and tedious so you need to make sure that you process it the right way. Here are the steps on filing a storm damage claim:
1. Deal with the danger first
If there is extensive damage to your home, you need to make sure that there are no more problems when the adjuster comes to assess the damage. Issues such as gas leaks or serious flooding should be dealt with first.
2. Call your insurer
Check with your insurance provider if they are covering damage to your building and your possession. Some insurers will cover both so do check with your provider before filing a claim.
3. Take pictures
If possible, document everything with pictures or videos. They can help support your claim and remind you of your possessions as well. Keep damaged carpets, skirting boards, and architraves to show their quality.
4. Look for alternative accommodation
Your insurance provider may be offering some kind of accommodation options in case it is impossible to stay at your home. You might be able to get some discounts from partner hotels. Make sure that you have already cleared it with your insurer before booking any hotel.
5. Arrange damage assessment
When there is substantial damage to your property and the claim will be significant, the insurance company will usually send a loss adjuster to inspect the damage to your property.
Following these steps will help ensure that your claim will be successful.
As claimed by Hyland’s in its website, “The amount of Belladonna alkaloids in teething tablets is minuscule, especially when compared to conventional medicines that contain Belladonna alkaloids.”
This claim, however, is different from what the U.S. Food and Drug Administration (FDA) says: “For such a product (referring to Hyland’s Teething Tablets, which are being linked to serious harm due to intake of larger doses), it is important that the amount of belladonna be carefully controlled. FDA laboratory analysis, however, has found that Hyland’s Teething Tablets contain inconsistent amounts of belladonna. In addition, the FDA has received reports of serious adverse events in children taking this product that are consistent with belladonna toxicity. The FDA has also received reports of children who consumed more tablets than recommended, because the containers do not have child resistant caps.
Belladonna, which is made as a homeopathic supplement and homeopathic medicine, is also used as an ingredient in a number of medications, such as Teething tablets from Hyland’s Inc. It comes from the Belladonna plant, also known under the names devil’s cherry and deadly nightshade due to its high toxicity.
Despite being poisonous, Belladonna has medicinal properties which has allowed it to be used as a medicine since ancient times. However, it should only be used if recommended by a doctor and strictly according to a doctor’s instructions since an overdose can be fatal, especially to children.
Besides the inconsistent amounts of Belladonna that the FDA said was contained in Hyland’s Teething products, reports of adverse events that were consistent with belladonna toxicity were also received by agency. In October of 2016, reports of adverse events that included seizures, fever, and vomiting had already gone up to 400. Worse than these, however, were reports of 10 infant deaths. The FDA is currently investigating the possible connection between the adverse effects and fatalities, and use of Hyland’s teething products (including the teething gel this time).
After two warnings by the FDA to parents to stop using Hyland’s products, Hyland’s management wrote its own letter addressed to all parents, telling them that its teething products are totally safe and effective and that baby death from teething tablets has no scientific basis. Despite this firm stand on the safety of their products, however, Hyland’s has decided to discontinue distribution of its teething tablets and gel.Read More
Pharmaceutical products are manufactured for one purpose and that is to make customers well. Before being sold to the market, it is important that these products are rigorously tested in order to ensure their safety. Unfortunately, some manufacturers fail in this aspect and sell their product in the market despite the danger it poses. According to the website of Karlin, Fleisher & Falkenberg, LLC, defective drugs can bring about serious side effects to a patient.
When filing a defective drugs liability claim, there are various parties involved that you can sue. Thus it is possible to have more than one defendant in your lawsuit. Here are some of the likely parties you can include in your case:
Distribution of the drug starts from the manufacturer. They are usually large companies given the huge market for pharmaceutical drugs and the technical challenges associated with the development of a new drug.
A testing laboratory can be included in your case for their failure to elaborately test the drug before pushing it to the market.
Pharmaceutical companies usually hire sales reps to promote their latest drugs and recommend it to doctors and other members of the medical field. They can also be held liable for recommending a dangerous drug.
Doctors can be held liable for injuries for not informing you about any side effects or how to properly use the drug.
Hospital or Clinic
A hospital or clinic can be included in your claim as they are part of the distribution channel from the manufacturer to you
The pharmacy is the stopover of the distribution channel. A pharmacist can be held liable for their failure to advise you of how to properly use the drug.
When several parties are involved, you may consider filing joint or several liability. With this ruling, each defendant can both “jointly” and “separately” add up to the total amount of damages. Thus, if one of the defendants is unable to pay, the other defendants can compensate for the missing amount.Read More
Semi tractor trailer trucks or 18-wheelers, according to the personal injury lawyers at Pohl & Berk, LLP, play a significant role in the industry of transportation in the United States. Despite this, accidents on the road are inevitable since trucks are particularly harder to operate, which results in even more devastating injuries, and sometimes, death. Truck drivers are not the only ones who get blamed in these accidents; there are actual cases in the past where the trucking company and the truck manufacturer were held accountable for road incidents. If you were involved in an accident by a truck, it is important to know the source of the error, so that you may cite specific details on your lawsuit.
You are most definitely welcome to file a case against the truck driver once drunk driving is established by the authorities as the reason for the accident and the same thing goes when it is clear that it was the driver’s mere negligence that caused the crash. According to Find Law, improper training is one of the common causes of truck drivers starting accidents on the road.
However, there might be cases where the truck was defective in itself, in which case you could charge the manufacturer or the company for negligence. A few examples of manufacturer negligence are faulty brakes or wiring, engine failure, and tire defects. In most company negligence cases, the trucks are sent on the road without proper inspection, and sometimes, companies set schedules that cannot be met or fulfilled in such short notice, forcing the drivers to speed up and ignore traffic rules.Read More
Accidents happen when you least expect it. Unfortunately, burns are among the most common types of accidents in the country. In fact, according to the American Burn Association, an estimated 60% of the acute hospitalization in the country has been associated with burn incidence. A majority of burn accidents happened at homes (73%), while the remaining occurred at workplaces, public roads, recreational centers and others.
Fires are the primary cause of burn injuries. But Houston personal injury lawyers would probably point out that there are many other sources of burn hazards apart from fires, namely heat, cold temperature, radiation, friction (such as road rash during a car accident), electrical, and chemical. Depending on its severity, burn injury may manifest with these symptoms:
First degree burn
First degree burn is a minor burn injury on the outermost surface of the skin, called the epidermis. Signs of first degree burn include minor swelling, redness, pain, and dry skin. First degree burns are manageable at home, and heal between three and six days. You just have to run the wound in cool, running water, take ibuprofen to relieve pain, and apply aloe vera ointment to deal with inflammation. However, when first degree burn involves larger portions of skin, visiting your doctor would be necessary.
Second degree burn
Second degree burn involves damage to several layers of the skin, including the dermis. Second degree burns look red, inflamed, and may sometimes have blisters. Second degree burns take longer time to heal than first degree burn, which usually lasts for more than three weeks. When you have a second degree burn, run the wound in cool running water for more than 15 minutes and take pain reliever. You may also apply antibiotic cream to blisters to avoid contamination. For widespread burns, seek emergency help immediately.
Third degree burn
Third degree burn is considered serious and life-threatening. It involves damage to the entire layers of the skin (epidermis, dermis, and subcutaneous tissues). Infection caused by a third-degree burn may reach the bloodstream and affect other vital organs or cause septicemia. A person suffering from this type of burn may feel no pain because the nerves in the affected area have already been destroyed. Third-degree burn injuries are considered a medical emergency that requires immediate medical attention.Read More
Laparoscopic surgical procedures are a modern innovation that many people flock towards if this kind of procedure is possible for their given situation. After all, in theory, a laparoscopic surgical procedure is leagues more preferable. The incision would be minimal and instead uses highly efficient technological apparatus in order to perform the operation. A video camera would allow for the surgeon to see further up close to the specimen. It would mean a lessened recovery time as well as minimal discomfort suffered by the patient.
However, there are some risks with a few laparoscopic surgical procedures; namely, procedures that involve the use of a morcellator.
Since the morcellator’s induction into the public sphere, there have been at least 50,000 surgical procedures in a year throughout America. The morcellator would penetrate the body and through a tube, the noncancerous growth would be suctioned out piece by piece. A simple enough procedure, yes, the morcellator was more commonly used on women wishing to have a hysterectomy or the procedure that removes their wombs.
However, there has been sufficient evidence that links the use of morcellators manufactured by Johnson & Johnson as the cause of endometrial cancer in 1 out of 370 women who went through a laparoscopic surgery with the device. Following the claims, the company then sent for an order to recall the morcellators. There are morcellator lawyers currently working the case, keeping up to date with the cases being filed against the manufacturers.
That is why it is incredibly important to know the pros and cons of a surgical procedure before consenting to it. Knowing the risks as well as understanding how a procedure can possibly affect your life is something that you should not take lightly. If you or someone you know has been diagnosed with endometrial cancer, following a laparoscopic surgery with the use of a morcellator, it is recommended that legal help is sought out immediately.Read More
Though states usually differ in some of the factors they consider in the determination of a child custody case, there is one constant principle that serves as a guide in every decision making: the child’s best interest. Child custody is one of the most sensitive divorce-related issues, not only because it concerns the future of another person, but also because many spouses never get to agree on the issue, necessitating a court proceeding wherein a The Woodlands divorce lawyer may argue your side of the story.
After determining who gets custody of the child/children, it is implied that the other parent, the non-custodial one, will have settle for visitation rights in order to be with his/her children (many courts, however, now consider awarding custody of the child to both parents, especially if this decision will be in the child’s best interest). Both custodial and non-custodial parents are expected by the court to abide by and respect all court decisions pertaining to the lives of the children and all court decisions shall be binding unless these are changed by the court itself due to a petition from either of the parents.
Request for change or modification in custody decisions may be honored by the court if the petitioning parent can prove (without doubt) that the current custodial parent fails to live up to the court’s expectations and/or fails in his/her obligation to recognize and respect the rights and personhood of the other parent.
Some of the more specific reasons why an original custody decision may be modified by the court, include: frustration of the non-custodial parent’s visitation rights; estrangement of the child’s affections from the non-custodial parent; change of residence without informing the non-custodial parent; material and substantial changes in the life of the custodial parent (such as his/her remarriage); child’s preference; unfavorable environment; and, relinquishment of custody.
Any parent will naturally do everything for the sake of his/her child, even if it means keeping the child away from his/her other parent, especially if such parent can be proven as unfit. This may not be an easy task though, as it will require legally acceptable and convincing arguments to make the family court judge recognize and accept any new evidences.Read More
Many accidents that occur are due to other people’s reckless or negligent behavior. Of course these are definitely preventable; however, those that do occur and result in injuries or damages can be subjected to civil action to enable the innocent victim to seek compensation from the liable party: a right recognized under the tort law.
There are different types of accidents which can cause injury to a person. These include road accidents involving cars, trucks, motorcycles, pedestrians and bicyclists, use of defective products, slip and fall accidents, work-related accident, dental or medical malpractice, and so forth. The injuries these accidents can inflict also varies, from a mild scratch to something very serious, like a fractured bone, laceration, head injury, amputated limb, damage to the spinal cord, etc. However, the most serious harm that may befall a person is wrongful death.
In a wrongful death situation, a representative (usually a lawyer, but may also be any member of the family) will have to act on behalf of the survivors of the deceased for the filing of a wrongful death claim or lawsuit. While the survivors, legally known as “real parties in interest,” would unquestionably point to the victim’s own family (husband/wife and children) or parents (if the victim is not yet married), some states also recognize certain individuals, who may be considered as among these “real parties in interest.” The lawfully recognized survivors include:
- Immediate family of the victim: refers to spouse, children and adopted children, while for unmarried individuals, immediate family would refer to parents
- Financial dependents, like a life partner or a putative spouse: some states recognize a life or domestic partner (who was financially dependent on the deceased) and a putative spouse (a person who, in all sincerity, believes that he/she and the deceased were married) as among the real parties in interest
- Distant family members: some states also qualify grandparents and siblings in a wrongful death claim
- All those suffering financially: this stipulation would cover any person who is financially affected and made to suffer because of the death of the victim; this is actually due to the loss of care or support resulting from the victim’s untimely death;
Any legal rights of the surviving family can best be upheld through the assistance of highly-qualified and experienced wrongful death lawyers.Read More
Filing a benefits claim with their insurance provider is most natural for families and individuals to enable them to meet the resulting expenses, such as medical treatment after an accident, or repair/replacement of damaged property after a natural disaster, as well as to keep their heads above water. Such are some of the reasons why insurance policies are purchased in the first place – to serve as a financial buffer during times of real need.
Insurance providers, on their part, owe policy holders genuine commitment or the duty of good faith and fair dealing, especially in paying claims. Under the common law this duty is spoken of as the “implied covenant of good faith and fair dealing,” which ought to be contained in the insurance contract. However, many of these providers transact business with dishonesty or fraud at the back of their minds. They enter into an agreement with policy holders with no real intent of living up to the terms of the policy they sell or they intentionally twist the meaning of something contained in the policy sold. This fraudulent act is what legal experts call “bad faith,” and there are different ways through which this can be committed, like: failure to investigate a claim promptly and thoroughly, unreasonable denial of claim benefits or delay in the payment of claims, and so forth.
The website of insurance attorneys Smith Kendall PLLC explains how and why complications in the insurance claims process often arise, leading to delayed payments, underpayment of claims, or outright denial of claims applications.
In any of these situations, what the disgruntled policy holder needs is immediate assistance from a knowledgeable and experienced insurance bad faith lawyer, who would be capable of ensuring him/her a strong legal representation against the erring insurance provider.Read More
Whether one calls it driving under the influence (DUI) or driving while intoxicated (DWI), or any other name, drunk-driving is a serious offense in all US states, with some states exacting harsher punishments (compared to others states) on offenders.
The gravity of offense has also led to both nationwide and statewide campaigns and programs which, in turn, have spurred law enforcement authorities to aggressively pursue and prosecute anyone committing any type of alcohol-related offenses.
Hpwever, as pointed out on the website of the Law Offices of Mark T. Lassiter, this aggressiveness, has sometimes resulted in “wrongful arrests, mishandled cases, and a variety of other problems and mistakes” which have greatly affected those accused, jeopardizing their rights and freedom.
Both federal and state authorities have never failed in pointing out the dangers of drunk driving: how this reckless behavior places in great risk of a serious accident the drunk driver himself/herself and, more so, all other motorists and pedestrians who share the road with him/her.
Being a serious traffic law violation, those convicted of the crime are, therefore, punished heavily thru costly fines, a jail term, suspension of driving privileges, compulsory participation in an alcohol and drug education class (or DUI School) and community service; it is also possible that he/she may be required to pay higher auto liability insurance premiums.
The painful effects of a criminal conviction, however, do not end during or after the punishments; rather, these go beyond the courtroom and prison cell, following the convicted individual and affecting everything else about his/her person, including career, personal life, community relationship, rights and privileges (such as right to international travel, acquisition of professional licenses) and so forth.
These unjust effects of a criminal conviction make a very strong defense in behalf of the accused an absolute necessity. Contrary to the thought that drunk-driving cases are impossible to win, the website of Cape Cod criminal defense attorney James Powderly says that all have a right to a fair trial, but this should be entrusted only at the hands of a skillful and experienced lawyer.Read More