Common Natural Disasters That May Destroy Your Home

By on 3-15-2015 in Injury

You are more vulnerable to natural disasters than you think, whether you live in the coast or not. This is mainly because of climate change, resulting into more devastating and destructive natural events.

The thing with natural disasters is that they don’t just put your life at risk, because your properties may also be in danger of damage. Property damage, of course, leads to financial liabilities.

According to the website of this Texas insurance claims adjuster, your insurance company may also not give you what you deserve, because insurance is a business after all so it may maximize the money that goes in and minimize the money that goes out. So, it is an additional financial problem.

Below are some of the most common natural disasters and their primary damages to your house, so you can know what parts of your house to specifically assess when the natural disasters occur.

Earthquakes

Earthquakes can seriously damage your home, especially if you are near the source, because the earthquake your house may experience may be stronger, compared to when you are away from the source.

Pay close attention to the structure of your house, such as the foundations and the walls, the systems within your house, like the electrical wires and gas pipes, and the floors, as they may be out of level.

Hurricanes

There are two primary hazards in hurricanes – strong winds and floods. The strong wind can send projectiles into your house, potentially breaking windows and cracking walls.

The flood can be dangerous, whether they are rushing or just staying put. In rushing floods, the force may be enough for your house to sustain structural damage. In stagnant floods, the overstaying of water can result into material damage, especially those that involve wood and textiles, like floors, walls, and furniture.

Tornadoes

Like hurricanes, the primary hazard of a tornado is the strong wind. In fact, the wind can be strong enough to even take away your roof. You should also not overlook its capability to uproot trees and let them crash into your house, throw away your car and slam it into your wall, and hurl debris into your windows and doors.

The key to assessing the damage of natural disasters is to know the disasters themselves and the hazards they present. This way, you can know what parts of your house are most vulnerable to what damage.

How to Avoid DUI

By on 3-15-2015 in Injury

How to Avoid DUI

If you drive under the influence of alcohol, you are putting yourself at risk of crashing. In fact, you are also putting the innocent motorists around you at risk, because they can get involved in the accident that you can initiate.

There will be injuries, property damages, treatment costs, lawsuits, and worst of all, deaths. According to the website of these Lake Wateree DUI lawyers, DUI charges can be defended. But does it really matter, when you can avoid the accident in the first place? For a safer road for everybody, it is best to avoid driving while intoxicated.

Get a driver

Drinking and driving is a fatal combination. To avoid it, just take away one of its variables – driving. Bring someone with you who will drive for you when you are already physically and mentally compromised to drive.

This could be one of your friends that is going to party out with you or an entirely different person from another social sphere. The important thing is you have an agreement with this person that he or she is your designated driver, so he or she is not allowed to take alcoholic drinks.

Take public transport

If you cannot get a driver and you know that you are going to drink a lot, consider leaving your vehicle at home and try other modes of transportation. Take the bus or the train. It is also a good idea to drink in a place that is near bus stops and train stations, so you can have more reasons to leave your car and just use public transportation.

If you want a more convenient travel, you can try ridesharing services such as Uber and Lyft. They can easily be set up through your phone.

Put your keys away

There are times where the drinking is not planned, so you already have your car with you. Worse, you are already drinking in a place where your car is readily available, like in your apartment. In these instances, the best option is to give your keys to one of your buddies, reducing your chances of even thinking of driving out while drunk.
If you are in a residential area, it is best to stay put until the influence of alcohol has subsided. If you are in a public area, consider getting a driver, leaving your car, or using public transportation.

A Problem with Franchising

By on 3-15-2015 in Injury

Franchising is a good business idea. It saves the franchisee from all the risks of establishing an own business name and model. The franchise acquired is likely to be well-established as well, so the franchisee will have reduced instability in the sales of products and services.

In exchange for this security, the franchisee should pay a particular amount to the franchisor, and maybe even pay royalties to the franchisor in an agreed date. Instantly putting out money for a franchise may look like a bad deal at first glance. But the reduced risk is what makes franchising worth it in the long run.

While franchising is quite the secure business model, it is not perfect, especially because the franchisee is bound to the terms that are established by the franchisor. Of course, the terms protect both the interests of the franchisee and the franchisor, but there are instances that disputes could arise.

According to the website of Williams Kherkher business attorneys, the most common problems between the franchisee and the franchisor involve the following:

  • Rights under the franchise agreement
  • Misinterpretations and nondisclosure claims
  • Issues of compliance under the franchise agreement
  • Claims of deceptive or unfair trade practices

Aside from the disputes between franchisee and franchisor, there are third parties that could create problems in franchising as well. The National Labor Relations Board in Washington is a perfect example, as it takes McDonald’s to court. The NLRB argues that the fast food franchise and its franchisees should be jointly responsible for their employees. If McDonald’s loses, the franchise could potentially have a host of new expenses, such as health insurance for its local employees. This would increase operating costs and franchisors will most likely pass these costs to franchisees, making licensing costs skyrocket.

This element of unpredictability makes franchising look like a mixed bag of good and bad. But when you look at it, businesses, whether franchised or not, will always have this element. When it comes to deciding whether to buy a franchise or establish your own brand, you should decide which part of your business journey you can take as unpredictable. Is it the risk of failure for an unestablished company, or the faithful compliance to an established company no matter what?

Trucking Accidents due to Employer Negligence

By on 3-15-2015 in Injury

There are about 15.5 million trucks operating in the U.S. and, of this figure, two million are semi-trailers. According to the Federal Motor Carrier Safety Administration (FMCSA), fatal accidents involving semi-trailers happen almost 11 times a day. This means more than 4,000 deaths yearly; non-fatal accidents, on the other hand, number to more than 100,000 every year. While there may be fewer truck accidents than accidents involving cars, the results of these accidents are always more destructive and tragic due to a truck’s huge size. In 2014 alone, an estimated 3,903 individuals (truck drivers, drivers of smaller vehicles, motorcyclists, bicyclists and pedestrians) were killed and at least 111,000 others were injured in large trucks accidents, which number about half a million every year.

Despite the threats presented by trucks, drivers of smaller vehicles will just have to get used to sharing the road with them and learn, instead the techniques of defensive driving when they find themselves sharing the road with a semi-trailer.

Both the National Highway Traffic Safety Administration (NHTSA) and the FMCSA pass and implement laws that will help lessen the fear of many motorists from driving alongside trucks. Besides seeing to it that only qualified, licensed and well trained drivers will be allowed to operate this huge vehicles, there are also laws that determine the allowed maximum number of driving hours and the required number of hours of rest or the blood alcohol concentration (BAC) limit (trucks drivers who would be caught with a BAC level of 0.04% can be charged of DUI or drinking under the influence). Other laws include the prohibition of the use of cell phone while behind the wheel, equipping the truck with a sleeper berth where a driver can rest or sleep in between driving duties, regular maintenance of the vehicle, and using only tires and brakes that comply with federal safety standards.

Despite the enforcement of trucking laws, however, many employers manage to make their drivers operate a truck longer than the maximum number of hours of service allowed. Many also get away with hiring drivers who do not possess the required skill and then fail to train them about the safe operation of trucks, as well as fail to impose disciplinary actions on drivers who cited for traffic violations, especially DUI.

Hiring a driver despite his/her bad driving record or keeping a driver despite repeated traffic violations is an act of negligent hiring – a major offense committed by employers who are concerned with profit rather than the safety of their own driver and of many others on the road.

The Toronto personal injury lawyers with Mazin & Associates PC‘s mention on their website how a car accident can very well result in permanent disability or death. The chances of these are definitely higher if one of the vehicles involved in an accident is a semi-trailer. These results are just two of the many reasons why a victim of a truck accident should contact a personal injury lawyer immediately after an accident – to help him/her seek the compensation which will enable him/her to get the medical care and treatment that he/she needs, besides ensuring coverage for all damages resulting from the accident.

When Is It Time To Call A Roofing Contractor?

By on 3-15-2015 in Injury

Repair works for your roof is necessary to protect your household from the forces of nature. If you find yourself constantly cleaning your house of rainwater, it is time to conduct an inspection of the condition of your roof. However, for some homeowners, climbing the roof can seem to be a dangerous project. This is where a roofing contractor can come in handy.

According to the website of Best Roofing, roofing contractors can diagnose roofing problems and repair them. They have the training and experience in ensuring the maintenance of the integrity of your roofing system. But when is it the right time to call a roofing contractor? Here are some signs that it is time to have your roof checked:

  1. Your roof is leaking

Leaking roofs can cause health issues to you and your family due to mildew and mold. When the drain does not flow sufficiently and rainwater resides, it could result to respiratory issues and could weaken the structure of your roof.

  1. Damaged or missing shingles

When your roof shingles have reached the end of their life span, it is time to call a roofing contractor. You will know that your roof shingles is damaged when you see small piles of black or gray granules. Low quality shingles can cause damage to your roof.

  1. Roof age

The age of your roof can also play a factor in deciding whether it’s time to call a roofing contractor. The expected life span of a roof is about 25 years so if your roof is approaching this period, get in touch with a roofing contractor.

  1. Sagging

Sagging in your roof means there are several things that is happening in the interior of your house. It could be that the original material has weakened over time as a result of water damage or deterioration.

If your roof is showing these signs, it means that it is time to have it assessed by a contractor.