Flood Insurance Rate Maps, or FIRMs, are more commonly referred to as flood maps. They provide guidelines regarding flooding risks, insurance and building requirements. In the wake of the devastating flooding in the Louisiana parishes near the Gulf Coast, California residents might want to revisit flood questions about their own properties.
If you are injured during a car accident or other such activity and the injury was caused by the actions or negligence of another person, you probably know you can seek compensation from that party through a legal claim. But what happens if you are a construction worker and you are injured in an accident on the job -- whether or not that accident involves a vehicle? On-the-job construction injuries can be a bit more complex.
Electricity is critical when working at a construction site because it often powers the tools needed to get the job done. When you're working on a site, you might also be working on or near existing electrical equipment, poles or lines, and that can be dangerous. Electrical shocks are a common reason for on-the-job injuries on construction sites, and taking some precautions can help you alleviate the risks of such injuries.
Your roof won't last forever, but you probably expect it to hold up for at least a few decades. Understanding the signs of roof problems is critical to locating a defect before serious damage occurs throughout your building. If damage does occur and you've recently had the property built or upgraded or had a contractor put in a new roof, then you might be able to seek compensation or reparation for those damages.
A foundation defect can lead to catastrophic damage to your building or home if it isn't fixed. Leaks in the foundation can cause flooding in lower levels or slow seepage that causes rotting and mold. Cracks in foundations create faulty substructures that could be unsafe during certain events or lead to eventual problems with the building above. A construction defect claim for poor foundation work can help you recover potential losses or ensure a foundation is repaired at no cost to you, but how do you know whether or not your foundation has issues?
If the very ground under your building causes a problem, it might seem like you are stuck with the damage. Depending on the actual cause of the damage to your building or home, however, you might be able to recover losses from the construction company.
When you are dealing with a defect in construction that leaves your home or other property damaged -- or causes bodily injury to someone on your property -- then you might need to understand how and when coverage is triggered for any associated claim. This is true whether you are seeking compensation for damages under an insurance policy or a construction contract guarantee.
While you never really know when or if an earthquake will rock your building or home, you can take action to prepare and increase the likelihood of safety during an incident. One of the first things recommended by Atlantic Safety is that you buy or build a home that is solid. Working with a contractor to ensure your home is built to proper standards and codes is a good idea.
During the real estate purchase process, you should always have a professional inspection completed to ensure there won't be any stressful or expensive surprises in your near future. This is true whether you buy a home from a current resident or whether you have someone build a brand new home for you. But you should also inspect new construction and remodels on your home yourself so you know what questions to ask your contractor or inspector.
According to the National Oceanic and Atmospheric Administration, the current El Nino, which has been a fairly strong one, is likely in its swan song. Predictions are that the El Nino, with its storms and wet weather, has a few more months before it cycles into a more neutral weather pattern.