Author Archives: Yami

Reviewing Your Homeowner’s Insurance Policy Can Reveal Hidden Coverages

If you haven’t reviewed your homeowner’s insurance policy since you bought your home, you may have forgotten what coverage it provides. This can hurt you in a number of ways. Most obviously, it may mean that you don’t have the level of coverage you home needs in the current economy. Additionally, it may mean you have coverage to help offset costs that you might otherwise assume are your own responsibility to pay.


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One reason it’s a good idea to read through your policy on a yearly basis is to ensure you still have enough coverage. Just the increases in the cost of living may dictate a need to raise your coverage a little. If you’ve added a new structure to your property or built onto an existing one, that need to update your coverage becomes even more imperative. Failing to amend your policy to cover these additions can cost you if something does happen.

Additionally, you should take the time to familiarize yourself with other coverages your policy does offer. For instance, homeowners insurance Lodi CA typically offers liability coverage. This will be helpful in the event someone is injured on your property. The liability coverage may cover all or some of their medical care expenses and may provide you with money to hire a lawyer in the event of litigation.


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If something happens to your home and you must vacate the property until it can be repaired, you’ll end up spending money on temporary lodging, meals, and other necessities. Your policy may also offer coverage for these costs. Knowing that temporary living expenses may be covered can help you save money through this difficult experience.

These are just a few ways your homeowner’s insurance policy can help you in a time of need. As you review your policy each year, look at each type of coverage and determine if you should increase the amounts for which you’re covered. This can help you survive an emergency in the event your home is destroyed by a fire or other natural disaster.

STATEMENT ON THE SIGNING OF THE PHILIPPINE HIV/AIDS ACT

Secretary of Health Francisco T. Duque III released the following statement today (January 10, 2019) on the signing of the Philippine HIV and Aids Act by President Rodrigo Duterte:

Editorial Cartoon by NVTorrecampo

“The signing of the Philippine HIV and Aids Act is a huge step forward in responding to the growing HIV epidemic in the Philippines.

Ngayon ay mabibigyan na natin ng tamang suporta ang mga Pilipinong may HIV-AIDS. Kaya naman lubos ang aming pasasalamat kay Presidente Duterte sa pagbibigay niya ng prayoridad at aksyon laban sa HIV-AIDS.

The law provides:

  • Comprehensive education and prevention programs for PLHIV and their families.
  • It also enables minors 15 years of age to get tested for HIV.

While the new law has been enacted, our next step is to be able to properly execute the law by developing an Implementing Rules and Regulations to guide executive officials in implementing the law, as well as the public in how to comply with the law.

A stronger collaboration is key to attaining our vision of an HIV-free country. The road ahead will be long and our climb will be steep, but we will thrive and win against HIV and AIDS.”

Recent cases as of Nov. 2018

Press Release

Taking Legal Action to Recoup Expenses

When you have been hurt because of a work-related or medical mishap, you may not initially be aware of your legal rights. In fact, you might assume that you simply have to put up with the result of the accident and find a way to rebuild your life and pay your own medical expenses.

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However, the law affords victims of such circumstances legal rights that you can pursue in court. By taking action like filing an insurance claim, making a police report, and filing a hernia mesh lawsuit pittsburgh pa accident victims like you could pursue justice and also recoup expenses like medical bills and lost income.

Hiring a Qualified Attorney

Before you take any action, you may want to retain a qualified and experienced lawyer to represent you. Having a lawyer on retainer can protect you from counteraction taken by the responsible party. You also avoid incriminating yourself or accidentally placing the blame for the mishap on yourself.

Your lawyer can evaluate your case and learn more about the facts leading up to your accident. He or she can then decide what type of legal action to take against the person responsible for your suffering.

Your lawyer can build a case by subpoenaing testimony, video surveillance, medical records, and other evidence that can prove your innocence. Further, your lawyer can act as an intermediary between you and the responsible party so you are not coerced or threatened into dropping the claim.

Before you put a lawyer on retainer, however, you may want to take the time to consult with one in person. You need to know this individual is qualified to take your case and has experience handling situations like yours. You can set up a free consultation with a lawyer by visiting the lawyer’s website today.

When you have been hurt through no fault of your own, you have the right to take legal action in court. You can file the right claims and possibly settle out of court by hiring a lawyer who specializes in medical malpractice and personal injury law.