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help-my-house-got-flooded

While finalizing the purchase of a home, it is important to get as much information about the offer as possible. This includes insurance coverage, what is included in the acquisition, and what the buyer is accountable for with the house. If the realty agent, broker or loan provider lied or misled the buyers, this could result in a civil suit against the company or the individual.

If you or anyone you know in Lexington believe to have been duped in the purchase of the property, one of the best options you may get is our Lexington insurance attorneys at Mehr, Fairbanks & Peterson Trial Lawyers.

Can I Sue My Realtor For Not Being Honest?

homeowners-issues-that-may-not-be-covered

When somebody acquires a home, it is recommended to likewise obtain a comprehensive insurance policy for a myriad of protections. A policy could shield from fires, floods, theft, as well as comparable concerns. Nevertheless, it is critical to know what sorts of security are not provided in these types of coverage too.

If there is a requirement for additional insurance, it should be bought, yet the policy has to be understood, or it is feasible, to get an insurance provider where gaps may exist such as smoke or fire damages or theft of just particular goods. Standard insurance coverage might not be suitable for particular areas around the USA.

The standard policy that a new homeowner purchases usually covers whatever he or she may think about, however, this is not always sufficient based on what may go wrong. The theft policy may only cover small products such as radios, books, as well as digital gizmos, but the larger purchases may be exempt from this policy. Vandalism generally covers any type of damage, however, if theft is not part of the deed, anything stolen may not be compensated. Weather condition may include fire, wind, lightning, and similar problems, yet it may not cover flooded areas with extensive rains. And also, there are times when other issues occur that the homeowners may not have thought can happen in his or her place.

hospital-church-plan-suit-going-forward

In his decision back in April, U.S. District Judge David L. Bunning declined to dismiss former members of St. Elizabeth Medical Center Employees’ Pension Plan Administrative Committee from an Employee Retirement Income Security Act breach-of-fiduciary-duty claim that the plan had not been properly funded.

On Friday, October 5, 2018, Judge Bunning once again rejected the former administrative committee members’ attempts to be dismissed from the case and denied their motion for reconsideration.

Arguing that the Judge’s April order was in conflict with Duncan v. Muzyn, a Sixth Circuit Court decision where it was found that the plaintiff in the case hadn’t alleged any “more than a hypothetical loss of expected benefits,” and based thereon, dismissed the plan management team from the claim.

mehr-fairbanks-peterson-secure-15m-victory

On October 4, 2018, a Kentucky jury found against defendant, Greenwich Insurance Co. in favor of dozens of heirs of Ben and Lillian Salyer, plaintiffs. The case arose from JD Carty and other companies insured by Greenwich for trespassing on land owned by the Salyer’s, building roads and drilling wells to access natural gas under the land for several years.

The jury determined that Greenwich acted in bad faith by refusing to settle claims in the matter. The jury awarded plaintiffs $15 million in compensatory and punitive damages.

Having found that Greenwich committed multiple violations of Kentucky’s Unfair Claims Settlement Practices Act, the jury awarded a total of $834,000 in anxiety and mental anguish damages to plaintiffs, plus $14.3 million in punitive damages.

reasons-a-life-insurance-claim-is-delayed

Life insurance claims should be paid within 30 days of a proper claim being submitted to the insurance company. If the claim is not paid within 30 days, it is considered delayed. Any delay of benefits will put a strain on the survivors. Claims can be denied for any number of reasons. Most of the time when claims are denied, they are not denied for good cause. They are denied for minor technicalities or for missing information on the claim or in the policy application.  A delay does not necessarily mean that your claim will be denied but a delay of more than a month or two is just unreasonable.

If your life insurance claim has been denied of delayed, call us. We know how to force the insurance company to pay your claim.

Reason why life insurance claims are delayed:

what-is-chronic-lung-disease

There are many different types of chronic lung disease that vary in severity, be that as it may, one thing is certain: the number of individuals impacted by lung disease is rapidly increasing in the United States. An early analysis can help begin treatment and keep the disease from advancing rapidly.

When you breathe, your lungs intake oxygen from the air and distribute it to the bloodstream. Your body needs oxygen for your cells to work and grow. On a normal day, an average person breathes nearly 25,000 times. Many with chronic lung disease have difficulty breathing. If all types of lung disease were lumped together, it would be the third leading killer in the United States.

Types of Chronic Lung Disease

what-is-scoliosis

Scoliosis is an abnormal curve in the spine. Normally, it causes the spine to bend into a “C” or “S” shape. Depending on the person, scoliosis can be harmless to severely debilitating. In some cases of scoliosis, patients are unable to breathe, suffer from chronic back pain, and can suffer from spine or nerve damage from spinal surgery or uncorrected scoliosis. Treatments can range from a regular doctor appointment to surgery that inserts metal poles in your spine to strengthen it.

Physical Activity and Scoliosis

Because of the curvature of the spine, a person who has scoliosis can experience some hardships when exerting themselves. Both men and women experience some difficulty when exercising and women experience some form of pain when standing or sitting for long periods of time. After surgery, a majority of patients reported a significant improvement in their ability to exert themselves.

comprehensive-plan-to-win-denied-life-insurance-claim

People obtain life insurance policies as part of financial planning for their loved ones’ future. Life insurance protects those who rely on the insured’s ongoing financial support and will suffer in the event that this support is withdrawn. Ideally, the life insurance company will pay the full policy amount after the insured’s death.

Unfortunately, this does not always happen. Life insurance claims get routinely denied by large insurance companies for various reasons. Here’s what you need to know regarding the process to appeal and win a denied life insurance claim.

Reasons Behind Life Insurance Claim Denials

chronic-migraines-disability

It is reported that around 12% of the population suffers from migraines. The International Headache Society defines chronic migraines as experiencing fifteen headache days per month, and eight or more of those days being migrainous, in absence of medication. If an individual experiences less than 15 headache days per month, they are diagnosed with (low or high) frequency episodic migraines. If an individual suffers from fifteen or more, they are diagnosed with chronic migraines. Migraine attacks can increase in frequency over time transitioning a diagnosis of episodic migraines into chronic migraines.

When diagnosing patients with episodic or chronic migraines, it is extremely important to know the exact number of days per month that a person experiences a headache of any kind. Most doctors suggest carrying a “headache diary” to record the level of pain, duration, and other information surrounding their experienced headache. Typically, when patients are asked how many headaches they experience they only report the most severe headaches. By only reporting the most severe headaches, they may give a false impression of their true headache trouble and a diagnosis for chronic headaches may be overlooked.

Individuals that suspect they have chronic migraines should be diligently assessed by their physician to exclude all other potential causes of frequent headaches such as secondary headaches. Secondary headaches are headaches caused by an underlying condition or disease.

accidental-death-and-dismemberment-insurance
An accidental death policy offers protection when the insured dies as a result of an accident. Accidental death benefits may be found as part of a regular life insurance policy or as a separate contract.

What Does Accidental Death And Dismemberment Insurance Cover?

Accidental death and dismemberment coverage provides protection if the insured dies in an accident or suffers a loss of limb/vision/hearing as a result of an accident.

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