This Blog was posted for you By Your Pest Control San Antonio – Jenkins Pest and Lawn

Looking For Termite Damages When Buying A Home

The benefits of performing a home inspection before purchasing a new home are well known and documented, but you may not have considered the advantages a home inspection report can provide even if your home is not for sale. In fact, there are a number of inspections and tests available for homeowners that can help you anticipate problems and even protect your family’s safety. Besides a thorough home inspection, experts recommend testing your home for mold, radon, asbestos, lead paint, and pest infestation to ensure your home is safe and in optimal condition.

General home inspection

Home inspection reports provide valuable information about the condition of your home. That information can be vital to you as a homeowner, no matter how long you’ve owned your house. Scheduling a professional home inspection will give you a clear assessment of the various systems in your home, including an estimated time frame for replacement and a general idea of what kinds of repairs may be necessary. You will be able to plan for repairs and replacements of older systems in advance, allowing a measure of financial control and preventing unexpected breakdowns.

Mold

The U.S. Department of Housing and Urban Development (HUD) has identified toxic mold as a health risk, especially for people suffering from allergies or asthma. Mold can grow almost anywhere in your home and can be difficult to spot since it prefers damp, dark areas. A mold inspection can determine whether toxic mold is presenting a health risk for you and your family, and offer options for remedying the problem.

Radon

HUD recommends that homeowners test their property for dangerous levels of radon. Radon, a colorless and odorless gas, is radioactive and can cause lung cancer in high dosages. Professional radon testers can measure the level of radon in your home and, if high levels of radon exist, assist you in repairing the problem before it causes serious health problems. Home testing kits are also available, and some do-it-yourself kits for radon remediation can produce satisfactory results if used properly.

Asbestos

Mostly found in older homes, asbestos insulation can also cause cancer. While this problem is sometimes found during a general home inspection, asbestos remediation companies have expertise in identifying and removing asbestos insulation safely and without further risk to you and your family. Because of the toxic nature of asbestos and the difficulty in removing it completely, this is not a project you should try to undertake on your own.

Lead Paint

Homes built before 1978 may contain lead-based paint; this can cause lead poisoning and cause serious medical problems, including brain damage and birth defects. It’s estimated that 1.7 million children may be affected by some degree of lead poisoning. Lead-based paint inspections are comparatively inexpensive; if your home was built before 1978, it’s worth your while to schedule this inspection and ensure your home’s safety.

Termite and Pest Inspection

In order to preserve the structural integrity of your home, termite inspections are an important part of your yearly maintenance schedule. If caught early, termites and other pests can be stopped before they do serious damage. General home inspections do not always cover insect damage, so a separate inspection is a good idea. If no infestation is found, most companies can recommend a preventive program to keep your home free from these pests and the damage they can do.

Energy Analysis

Energy has partnered with local companies to provide free walk-through energy audits for its customers. Especially geared toward promoting energy efficiency, these audits will check on the condition of your heating and cooling system, insulation, ductwork, and the general condition of door and window frames. The company will then make suggestions about how you can improve your home’s energy efficiency. This free service is part of a green initiative and can save you hundreds of dollars each year in energy costs.

Knowing the condition of your home will allow you to plan improvements and repairs in advance. Additionally, some types of home inspections can save you money, preserve your home’s condition and even protect your family’s health: all good reasons to have your home thoroughly tested and inspected as soon as possible. These small investments can reap enormous rewards in health, safety, and comfort for you and your family.

For many people, motorcycle insurance policies can be very confusing and difficult to understand. Unfortunately, most people have complete faith that their insurance company is there to assist them and will do the right thing for them. That is not always the case. Regretfully, insurance companies can and do mislead innocent consumers.
When this occurs it is called Insurance Bad Faith. Insurance Bad Faith occurs in a number of ways, such as:

Unjustly delaying payment to an insured.
Poorly investigating the claims of the insured.
Denying insured benefits that are due under the policy.
Offering less money or “lowballing” the insured to settle their claim.
Trying to settle a claim with documents that have been changed unbeknownst to the insured.
If you have been the victim of any of these types of fraudulent behavior by an insurance company you may have a bad faith insurance claim. You should contact the Texas bad faith insurance lawyers at our Law Office to find out if you have a case.

If you have been injured in a motorcycle accident and the insurance company has acted in a fraudulent manner it is vital that you hire an attorney right away. You need a law firm with experienced, and aggressive personal injury attorneys who will represent your case and provide you with expert and skilled legal advice. We know that many bikers are unfairly discriminated against. We champion the rights of motorcyclists. The experienced bad faith insurance lawyers at our firm will aggressively fight your bad faith insurance case. We fight for our client’s rights. It is our sacred duty and obligation to recover the maximum cash award for our clients!

If you or a loved one has been injured or killed in a motorcycle accident due to a negligent driver call the aggressive personal injury attorneys at our firm for a free consultation.

Every time you pay for a product or service a corresponding right is also attached to the transaction. This works the same with your Car Insurance. If there is something that is not to your liking you can always provide feedback to your insurance company.

However, you cannot just approach just anyone at the insurer’s office. Though it might take more time, submitting your complaint to the right person will probably mean the difference.

There are many ways to lodge your complaint but there are appropriate ways to accomplish it, to ensure that you will get heard.

Getting in touch with your Insurer

It would be a good idea if you first lodge your complaint with the person you initially transacted with.

Make it known to the person why you are making the complaint and be clear about the things that you want them to accomplish to solve the problem.

If you do not achieve progress with this person, find ways to go to the next level, a person of authority who is much higher than the one you initially referred the complaint to.

You can call or see the supervisor or manager in person to convey your complaints. It would help your cause if you speak calmly and detailing the complaint in a clear manner. Should this still not work, maybe it is time for you to opt for a written grievance.

How to write a complaint letter

If personally detailing your complaint in person or by phone does not work, a pen and paper might do the trick. However, to ensure that it gets to the right person, mark the top of the letter as well as the envelope with the word “complaint”. You should ensure that the following are included in your letter:

The name and the position of the person you want the letter to be addressed to

Include specific dates, complete names and detailed facts

Attach any pertinent documents should the need arises

Infuse it with a tone that is not offensive or provoking

Drop a line to a Complaints Department

If phone calls or written letter of complaints do not make headway, your best alternative would be to bring your complaint to this third party company. You must remember, however, that you will not be considered by the Complaint Department until you have contacted your insurer first.

You are also only allowed to contact the Complaint Department which is associated with your insurer. To obtain this information, request it from your insurer.

The resolution of your complaints through the aid of the Complaints Department is always final. This means that you cannot revert to any of the other options just to get extra funds from the insurance company.

The complaints department is the usual definitive way to finally settle a complaint unless you want to take the insurer to court. This alternative however would entail another page of discussion.

But at the end of the day, we all agree that the best way to make a complaint is to not make any at all.

This Blog was posted for you By Falcon Insurance Services in San Antonio