Car Accident Insurance Claim Accident Insights

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Bungling up your body (and in some cases your love life) what else does the injury mean to you? It means a ton of financial expenditure’s,including fixing your motor vehicle,lost salaries,a shock to your lifestyle,a significant inconvenience and brief or long durations of discomfort and pain – – all of it a direct outcome of your injuries.

Plus,there’s a long list of possible medical expenditures. Doctor/Chiropractor,Prescription Drug Bills,Ambulance,Emergency Room Care,Hospital or Clinic,Specialist and/or Dentist,Laboratory Fees and Services,Diagnostic Tests,X-Rays and (CT) Scan,Prosthetic Appliances or Surgical Apparatus (Canes & Crutches),Physical Therapy,Registered and/or Practical Nurse Fees,Gauze and Tape,Ace Bandages all of which the insurance business must pay whether they like it or not!

Creams,Lotions,Ointments,Balms and Salves,and so on (Should the lady in your life use any of these to your hurting body I’m sorry to tell you this however her labor is not an expenditure you can claim).

YOU MUST BE COMPENSATED BY THE INSURANCE COMPANY FOR ALL OF THE ABOVE: It’s real that a really little portion of automobile mishaps cause big,severe injuries however that does not imply you shouldn’t be paid big,serious bucks! It’s best if you get an accident lawyer involved earlier than later so they can give expert guidance to avoid mistakes. Here is an excellent firm in Southern California:

 

 

EVALUATION By the insurance company doctor: Claims Adjuster Billy Bob of Sketchy Insurance will generally attempt to pull a quick one insisting he wants you to be analyzed by the physician of his choice,the regional medical con-man of all time,Dr. Nuttin’ Wrong. Be careful of such a request. Medical professionals assigned by the insurer are notorious for specifying,in the report they’re paid big bucks to execute,”There is no objective basis”,for your problems.

You do not need to agree to be taken a look at by Dr. Nuttin’ Wrong. Sketchy Insurance can not firmly insist that you go to their medical professional for an examination unless your claim really ends up being a formal court case. So,hold your ground up until your going to doctor,Ole “Doc” Comfort,has actually released you. After that it’s alright to accept be analyzed because already it’s too late! Much time will have passed it will be difficult for Dr. Wrong to lessen the pain,pain and suffering your injury has triggered you.

YOUR BODILY INJURIES: It’s a proven reality that the vast majority of motor car accidents trigger minor injuries. The quantity and quality of pain you feel is not strictly reliant on the bodily injury caused.

A physical injury is bound to cause some degree of psychological distress. The duration and severity that depends on a number of aspects: The type of individual you are,the ultimate effects of the injury you sustained,and the life tensions or issues you’re experiencing at the time of your injury.

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Preparing for your Social Security Disability Hearing

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Marken Law Group,PS,has helped hundreds obtain Social Security Disability benefits. We have helped people from the initial stages,filing appeals,and representation in front of administrative law judges and federal court. Call today for a free consultation.

If you have been denied a second time,at reconsideration,you have hopefully not given up and have appealed your second denial to have a hearing in front of an administrative law judge. There is hope yet for your claim. You can expect to wait anywhere from 6 months to well over a year after you file your request for a hearing before you actually get in front of a judge. There is a lot of time to prepare. If you still do not have an attorney,it is not too late. Attorneys will make sure your file and ALL medical records are up to date. If you do not have an attorney,this is YOUR responsibility. The judge will typically not allow you a continuance to obtain additional records as you have had two years (roughly) to prepare your case.

It is YOUR responsibility to ensure your work history,function report,and disability report are in your file. If you have an attorney they will have ensured,hopefully,your record is complete.

You should attempt to get your medical doctors to advocate on your behalf either by treating source statements (which any attorney practicing Social Security will possess) or if you are not represented by having your medical doctors (or mental health providers) write letters advocating for your disability. It is important a medical doctor advocates for your disability in SPECIFIC terms with objective findings.

Know your judge. When you are given a Social Security Disability administrative law judge,it will be closer to your hearing date. Find out their approval percentage to at least know what you are getting into and see if there are specific comments from people who have been in front of your judge. Any bit of information can help. If you have an attorney,they will likely have been in front of your judge many times and can counsel you on what to look for in their questioning and how they operate their hearings. Any little bit of evidence or help at this phase could mean the difference between obtaining benefits and waiting years for a new claim or appeal to process.

Marken Law Group,PS,does not obtain a fee of ANY kind unless we get you Social Security Disability benefits. We have a focused and dedicated team who know the process and how to obtain benefits for deserving people like yourself. Call Today! No Benefits,No Fee! Click below to learn more. 

Marken Law | Social Security

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What Is 100% Financing For A Home?

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Historically,many people are told to put at least 20% down to finance a home. But,if you have the right circumstances,there are better options. Securing 100% financing means you will acquire a home without the necessity of putting money down toward your mortgage. 100% financing can open up your possibilities of obtaining the home of your dreams. While that is exciting,it is wise to be informed about the lending package you are entering. 

What Is 100% Financing?

Traditionally,when you apply for a mortgage or construction loan,you would be required to put a down payment of 20% or more toward your mortgage. However,lenders who have 100% financing packages will not require money down towards the mortgage. Of course,this is based on the lender’s package,and there may be other out-of-pocket costs or fees,so it is always wise to review the entire package.  

HiLine Homes has located lenders who have competitive construction loans & mortgage packages. Many of our approved lenders offer unique 100% financing packages structured to allow our homeowners to participate during the home building process. Our knowledgeable Home Consultants are your resource to help direct you to a lender that will benefit your circumstances.  

What Is A Construction Loan?

Broadly speaking,a construction loan is a short-term loan that allocates funds to pay for materials and contractors to build your home. This loan will roll the cost and preparation of the land,permits,and other items needed to build a complete house into one construction loan. Typically these loans only last a year or less and end once the certificate of occupancy is issued.  

How Does a Construction Loan Turn into a Mortgage?

Once you have your certificate of occupancy,you will start to move into your beautiful new home. At this point,your construction loan will begin the process of converting to a permanent mortgage. This process is dependent on if you signed up for a 1-step or 2-step construction loan and the specific lender package. Either way,your home will be inspected & appraised to determine the value.  

HiLine Homes Approved Lenders know our products and reputation,which allows the process to be streamlined. Usually,the lenders who offer 100% financing packages take the final appraised value of your home and use your equity as your down payment.  

When Does 100% Financing Makes Sense? 

By securing a 100% financing package,the funds you’d normally put towards a down payment will stay in your savings account. This establishes a secure financial position that your lender can use to your advantage while qualifying you for your final mortgage. When you are ready to complete your final mortgage,discuss with your lender the possibility of rolling in higher interest loans,such as a car or college loan,to maximize your financing and saving potential.  

1. Taking Advantage of Low-Interest Rates 

Interest rates are a great reason to move forward on acquiring the home of your dreams. The low-interest-rate environment allows home buyers to get more home for their money. Further,when you choose to build with HiLine Homes in the Pacific Northwest,you receive exclusive financing from our Approved Lenders.  

2. When You Own Your Land 

You are in an enhanced equity position to receive 100% financing when you own your land. Perhaps,you have owned the property for many years,which results in established equity. Thereby you are able to use this situation to your advantage and secure 100% financing.  Additionally,by working with an “on your lot” builder like HiLine Homes,you can build more affordably because of our construction process. 

3. When You Buy New 

Many people prefer to own a home that is either new or just a few years old. It results in a more energy-efficient home with modern features and less maintenance. Every HiLine Home is built with multi-point quality control throughout the construction process and backed by our exclusive limited 10-year warranty.  

The HiLine Homes Experience 

For over 25 years,HiLine Homes has helped thousands of homeowners get a quality-built home at an affordable price. Our successful “on your lot” building program assists families in attaining the dream of homeownership while building potential equity in their new home. Each step of the way,you will have a HiLine Homes representative to guide you,no matter if you own your land or are searching for the perfect lot. Learn more by clicking the link below!

HiLine Homes | Custom Home Builders

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The 5 Most Important Factors to Win Your Social Security Disability Case

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Have you considered applying for social security disability benefits? Maybe you have been denied and don’t understand why your claim was not successful? Before you submit a social security disability claim,you should know more about the social security disability requirements that play into whether or not your social security disability claim will be approved.

You Lost Your Job Because Of Your Poor Health.

The judge that reviews your disability claim will want to know,“how did your last job end?” A strong social security disability case relies on the claimant (you) experiencing symptoms and limitations of a condition (or multiple conditions),that without question will keep you from being able to work.

Consider these two examples:

Scenario 1

“I cannot return to work because my company closed down due to the economic effects of the COVID-19 pandemic.”

In Scenario 1,there is no indication that the claimant cannot return to work due to medical impairment,only that they are currently unemployed due to a poor economy and job market.

Scenario 2

“I have worked in a factory for 25 years doing heavy lifting and manual labor. I recently had back surgery to repair a herniated disc. When I returned to work I tried for 3 weeks to perform my usual duties,and discovered I can no longer perform the functions of my job. My doctor has re-evaluated my health and does not believe I will regain my ability to lift or stand for long periods of time. My boss had to let me go.”

In Scenario 2 the judge can see a direct correlation between the physical toll of the job over many years,and the medical impairment that now makes it impossible to work. In this case,the judge is likely to approve the social security disability claim (assuming other criteria are met).

Your Disability Is Chronic.

A chronic disability is one that has lasted or is expected to last at least 12 months. A judge will want to see that your disability or medical impairment has not responded sufficiently to treatment,or is found to be permanent,and thus you cannot return to work.

Some people incorrectly believe that a very serious or sudden physical impairment can qualify for social security disability benefits. This is not always the case! Sudden medical conditions such as a heart attack are considered acute conditions,which are conditions that are expected to improve or respond to treatment. In the case of acute conditions,a judge will likely deny the claim because it is assumed the claimant can return to work within a short period of time.

You Do Not Abuse Alcohol Or Drugs.

Drug and alcohol abuse (DAA) can greatly harm your chances of winning a social security disability case. A judge is unlikely to side with a claimant whose use of those substances can worsen their disability or impairment. 

You Follow Your Doctor’s Orders.

An administrative law judge will want to see that you are following the care plan laid out by your doctor. You will want to prove that you have followed the doctor’s orders and are earnestly trying to improve your health,but time has shown your condition is not improving,and it is keeping you from returning to work.

You Have Tried To Find A New Job You CAN Do.

Winning a social security disability case requires that the claimant has proven that they cannot do any kind of work. For example,if your disability prevents you from performing physical labor,a judge will want to see that you have tried to find a job in a field that does not require you to use your physical strength.

Young workers face particularly difficult circumstances when applying for social security disability benefits,because the government will assume the young claimant has the mental capacity and flexibility to find a new career or line of work.

Older workers that have performed the same type of job for many years,and who are near retirement age,have a better chance of receiving benefits because it is assumed it will be difficult for them to learn or find a new career late in life.

These five important factors are not the only ones a judge will consider when they hear your social security case. Your case must be properly prepared,the right documents submitted,and a strategic argument laid out to improve your chances of receiving the benefits you need and deserve.

Marken Law Group | No Benefits? No Fee.

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The Ins and Outs of Cost-Plus Home Building Contracts

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When embarking on the journey of building your dream home,one of the key decisions you’ll face is choosing the right type of construction contract. Among the various options,the cost-plus home building contract is gaining popularity for its transparency and flexibility. In this article,we’ll delve into what cost-plus contracts entail,their advantages,potential drawbacks,and key considerations.

Understanding Cost-Plus Contracts:

A cost-plus home building contract,also known as a cost-reimbursement contract,is an agreement between the homeowner and the builder where the builder is paid for the actual costs incurred during construction,along with an agreed-upon fee or percentage for profit and overhead. In essence,it’s like hiring a builder on a cost-plus basis,where the homeowner reimburses the builder for expenses.

Advantages of Cost-Plus Contracts:

1. Transparency: One of the most significant advantages of cost-plus contracts is transparency. Homeowners get detailed insight into every expense,including materials,labor,subcontractor fees,and other construction costs. This transparency can help build trust between the homeowner and the builder.

2. Flexibility: Cost-plus contracts are highly flexible. They allow homeowners to make changes or upgrades during the construction process without the complications often associated with fixed-price contracts. This flexibility ensures that the homeowner’s vision is met,even if it evolves over time.

3. Quality Control: Since homeowners have full visibility into the cost breakdown,they can better monitor the quality of materials and workmanship,ensuring that their home is built to their exact specifications and standards.

4. Cost Savings: In some cases,cost-plus contracts can lead to cost savings. Builders have an incentive to control costs effectively,as their profit is often a percentage of the final expenses. This can result in cost-conscious decision-making.

Potential Drawbacks of Cost-Plus Contracts:

1. Uncertainty: The primary drawback of cost-plus contracts is the potential for cost overruns. Since the homeowner is responsible for paying the actual costs,there is less predictability about the final cost of the project. Unexpected issues,such as construction delays or unforeseen structural problems,can lead to higher expenses.

2. Reliance on Trust: While transparency is a significant benefit,cost-plus contracts require a high level of trust between the homeowner and the builder. Without trust and effective communication,misunderstandings can arise,leading to disputes over costs and fees.

3. Limited Cost Control: Homeowners who are highly cost-conscious may find it challenging to control expenses in a cost-plus contract. While the builder has an incentive to control costs,the homeowner ultimately bears the financial burden of any cost increases.

Key Considerations for Cost-Plus Contracts:

1. Clearly Defined Terms: Ensure that the contract clearly defines the builder’s fee structure and how costs will be calculated,documented,and reported. Specify the method for determining the builder’s profit and overhead.

2. Regular Reporting: Establish a system for regular reporting and review of expenses. Builders should provide detailed invoices and receipts to keep homeowners informed about project costs.

3. Change Orders: Clearly outline the process for change orders in the contract. Specify how changes in the scope of work or materials will be documented,approved,and priced.

4. Dispute Resolution: Include a dispute resolution clause in the contract to address any disagreements that may arise during construction. Mediation or arbitration can be more cost-effective and less time-consuming than litigation.

5. Contingency Funds: It’s wise to include a contingency fund in your budget to account for unexpected expenses. While cost-plus contracts provide transparency,they may not prevent unforeseen issues from arising.

Is a Cost-Plus Contract Right for You?

Whether a cost-plus home building contract is right for you depends on your priorities,risk tolerance,and level of involvement in the construction process. If transparency,flexibility,and a hands-on approach are important to you,a cost-plus contract might be a suitable choice. However,if you seek more predictability and cost control,you may prefer a fixed-price contract.

In conclusion,cost-plus home building contracts offer transparency and flexibility,making them an attractive option for homeowners who want to actively participate in the construction of their dream home. However,open contracts can allow cost overruns beyond the scope of the owners ability to qualify and or afford. Most construction loans only require a fixed contract which can be much safer.

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Are your Fire Doors really fit for function?

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Most landlords and business owners have a lawful obligation to make sure their buildings,and the people that use them,are properly protected against fire. From consistent maintenance to fire risk evaluations,it is essential to make sure fire safety measures are taken seriously. Get in touch with us here Fire Training

Fire doors have a vital role in the fire security of a property. They are created to help prevent the spread of smoke,fire and hazardous gases in the event of a fire. Fire resisting doors are different to ordinary doors,in that they are exclusively created and checked to offer fire resisting properties. Need Fire Training ?

Generally,fire doors are made of hardwood or steel.

Why are Fire Doors crucial?

There are a couple of main advantages of fire safety doors:

Enhanced Safety: Fire doors allow for quick departure of people and their personal belongings,and to let the fire service to deal with a fire.

Lowered Damage: Fire doors decrease the rate of fire damage to a premises.

The minimum period fire doors can endure fire is 20 minutes.

A lot more than only the door

A top quality fire rated door is only as beneficial as its installation. When deciding on a fire door supplier,you need to ensure the installer has the specifications needed and an experienced expert will help to guide you in making a sound purchasing decision.

Are your Fire Doors fit for their function?

Fire doors are only effective if they are maintained to the highest possible standards and are fit to complete their intended functionality in the event of a fire break out. To make certain the safety of a property’s occupants,you must routinely inspect all fire doors.
Whilst your fire doors need to be evaluated periodically by a fire safety professional,your business also has a responsibility to check for any faults and damage on a more frequent basis.

Did you know 53% of people do not know how to spot a dangerous fire door? Find Out more from Fire Door Inspection Course

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