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What are my legal rights to confidential drug and/or alcohol treatment?

People who have completed drug and/or alcohol treatment may be concerned about whether their past problems with substance abuse will forever haunt them. However, there are a number of federal and state laws that can help ensure that you are treated fairly and not denied certain services because of your history with substance abuse or treatment […]

What Is The Difference Between Replacement Cost Vs. Actual Cash Value?

Replacement Cost is the amount it would take to replace or rebuild your home or repair damages with materials of similar kind and quality, without deducting for depreciation. Depreciation is the decrease in home or property value since the time it was built or purchased because of age or wear and tear. Many insurers require […]

The Crime of Identity Theft

Identity theft involves using someone else’s personal identifying information to commit a crime. Online identity fraud is becoming more common, with so much personal information online. Identity thieves may not think twice about using another person’s name or credit card number. Law enforcement agencies take identity theft very seriously and can impose harsh penalties. Innocent […]

What Is A Preliminary Prospectus?

The first offering document printed by the company with some of the details of an IPO. The price range and number of shares to be issued is usually included in the preliminary prospectus but the terms may be changed before the final prospectus is distributed. Some lettering on the front cover is printed in red […]

Insurance Defense

Insurance companies have a lot of money invested in their policies. When someone makes a claim, the company generally wants to reduce their liability. Insurance defense attorneys represent insurance companies and policyholders in liability claims. They can try to avoid liability, lower liability payouts, or negotiate for lower settlement offers. Insurance companies will use insurance […]

How can I appeal a denial of a claim on my homeowner's insurance coverage?

Your homeowner’s insurance company typically has a set amount of time in which to approve your deny your claim for losses and/or damages. In the case of major or widespread natural disasters, however, your insurance company may receive an extension of this period of time. If your claim on your homeowner’s insurance policy is denied, you […]

If my home is destroyed and needs to rebuilt, will my homeowners' insurance cover the building permits needed under local laws?

Ordinance or law coverage is a specific type of homeowner’s insurance coverage that covers all necessary costs of rebuilding or repairing your home as required by local laws or ordinances. Thus, if your contractor needs a building permit to repair damage to your home, your homeowner’s insurance policy should cover the cost of the permit if […]

Can my insurance company refuse to renew my homeowner's insurance policy?

Yes. Although state law determines the type of notice that you must be given if your insurance company decides not to renew your homeowner’s insurance policy, insurance companies are private companies that do not have to offer you a renewed homeowner’s insurance policy. Common reasons for non-renewal of homeowner’s insurance policies are excessive claims, a potential for […]

NLRA & FLSA: What do they cover?

The National Labor Relations Act of 1935 and the Fair Labor Standards Act of 1938 were passed during the Great Depression to protect American workers and encourage collective bargaining in the workplace. Union laws like the NLRA give workers the right to join together and petition their employers for higher wages and better working conditions. […]

Going on Strike: Labor FAQ

Workers may choose to protest unfair wages or other issues with their employer by going on strike. During a strike, workers do not provide any services to the company that employs them. However, there are rules against firing or otherwise retaliating against those who decide to go on strike. Take a detailed look at how […]