huracán hanna

Wildfire damage is the effect on human life and property resulting from accidental or unintended fires. Human error is typically the cause, with only about 10 – 15% of fires sparking naturally during droughts and dry weather from lightning or lava. The burning of debris, unattended campfires, discarded cigarettes, downed power lines, and intentional acts of arson play a major role in the start of these disasters. Adding fuel to the fire are strong winds and warmer temperatures, which helps fire to spread at incredibly fast speeds, and flames can travel up to 14 miles per hour. Winds that carry wildfire embers are the reason many residences and buildings burn down, as well.

Take health and safety precautions into consideration before returning to your home, as hazardous conditions, chemicals, and materials may still be present. Smoke, ash, waste, and other threats can pose serious health risks, so seek advice from local officials, the fire department, or other experts before repairs or cleanup begins.

Consider the following steps when dealing with wildfire damages after a hurricane:

• Always seek advice before returning to the property as breathing hazards and other risks may still exist

• File a claim with your insurance company

• Take photos of any property damages (interior and exterior)

• Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries

• Create an inventory list of your damaged property and possessions

• Prepare receipts or proof of payment for damaged items

• Contact trusted contractors to inspect your damages and write bids for the repairs

Fire can create so much destruction to property and personal possessions in relation to flames, smoke, ash, heat, and water. Great health risks can come from extensive smoke or ash and can render a home or workplace uninhabitable.

The following is a list of damages to consider after a wildfire:

• Smoke, Ash & Soot Residue - Smoke can permeate the interior of your home, as well as your personal belongings, furniture, and décor. Soot is acidic and can corrode, rust, stain, and discolor surface areas and furnishings.

• Roof & Exterior Damage - Wildfire embers can drift from nearby flames and cause damages to your roof and property exteriors.

• Warped or Discolored Windows - Glass that is exposed to high heat becomes weaker. The seals in double-pane windows can be broken, or the window frame itself can be damaged.

• Damaged Walls - In addition to fire and smoke, fire-fighting efforts can create widespread water damages and flooding throughout your home. Walls will absorb smoke damages, but you could also be at risk for future mold hazards with water damages.

• Discoloration of Fabrics - Upholstery, rugs, clothing, carpets, and other fabrics can soak in the smoke from a fire, causing discolorations and odor.

• Cracked Concrete - It is common for concrete surfaces to experience breaking, paint chipping, and cracking from prolonged exposure to heat.

Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

Galindo Law fights for your rights on bad faith insurance claims for damages resulting from disasters such as wildfires. Our qualified attorneys can help blaze your path to recovery, and rest assured – you will not pay a dime unless we win. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.

A wrongful death is a fatality caused by the negligence or wrongdoing of another. Under common U.S. law, a wrongful death claim can allow a surviving family member to recover “the full value of the life” of the deceased, funeral expenses, punitive damages, as well as awards for their pain and suffering.

A wrongful death can occur from a number of factors or scenarios. There are all kinds of reasons and situations where loss of one’s life was preventable or caused by the fault of another. A few examples of wrongful death cases can include:

• Car accidents caused by drunk or distracted drivers

• 18-Wheeler or commercial vehicle collisions

• Work accidents

• Casualties from hazards on someone’s property or premises

• Acts of violence or criminal misconduct

• Abuse or neglect

• Medical malpractice

• Accidental poisoning or overdoses

• Defective products

• Pedestrian or bicycle accidents

• Drowning or boating accidents

• Aviation accidents

Certain damages can be awarded to surviving family members in a wrongful death lawsuit. An experienced wrongful death lawyer can help you determine what’s best for your particular situation. They can prepare and present evidence that can result in settlements or verdicts for things like:

• Funeral and burial expenses

• Medical expenses

• Loss of earning capacity

• Lost inheritance

• Pain and suffering or mental anguish

• Loss of consortium

• Lost love or companionship

• Loss of care, nurture, education, and guidance

• Punitive damages

• Lost household services

• Bystander damages for a child witness

Galindo Law sympathizes with families living with the tragedy of a wrongful death. If you or a loved one have suffered a heartbreaking loss such as this, we urge you to contact us for a case evaluation. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.

The exact path of a hurricane or tropical storm is sometimes unclear, leaving us scrambling and stressed to prepare with little notice. Creating a plan with your family and being ready to evacuate to safety, if needed, are important. Here are a few more steps to consider before a hurricane:

• Understand your insurance coverage

• Take “before” photos of your home and possessions

• Gather important documents, records, and receipts

• Inventory your possessions and property

• Visit the CDC guidelines for creating an emergency plan and preparing your home, family and pets

Always first and foremost, when you return to your home make sure you and you loved ones are safe from hazards: power lines, electrical or gas appliances, flood water, debris, and other dangers. Consider the following steps when dealing with property damages after a hurricane:

• File a claim with your insurance company

• Take photos of any property damages (interior and exterior)

• Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries

• Create an inventory list of your damaged property and possessions

• Prepare receipts or proof of payment for damaged items

• Contact trusted contractors to inspect your damages and write bids for the repairs

• Inspect the Roof - As the most susceptible to wind and storm damage, make sure to check the roof for damaged shingles and seams, broken or missing materials, holes or gaps, loose and fallen debris, and any water stains or discoloration

• Thoroughly Check Windows - Whether single or double pane, windows can easily take on damage from a large storm. Inspect for cracks and dents in frames, rips or holes in window screens, broken panes, or damage to the seal in double panes which creates fogging.

• Investigate the Attic - Make sure to inspect the hidden areas like attics and crawl spaces for flooding and water damage.

• Check Gutters & Pipes - Pipes, gutters, and downspouts can be cracked or chipped, or even be obstructed with debris.

• Access Fences, Decks & Porches - It is common for exterior surfaces to experience breaking, paint chipping, cracking and other damages.

• Inspect Driveways & Walkways - Be aware of the ground surfaces and inspect for cracks in the sidewalk or gravel astray.

• Be Mindful of Trees & Debris - Take a look at all trees and plants on your property, as well as your direct neighbors.

Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

Galindo Law understands the havoc caused by a hurricane. Our team offers care and legal support when dealing with hardened insurance companies. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.

• Roof & Chimney

• Windows

• Siding

• Brick

• Gutters

• Exterior paint

• Landscaping & Trees

Always, first and foremost, when you return to your home make sure you and you loved ones are safe from storm hazards: power lines, electrical or gas appliances, flood water, debris, and other dangers. Consider the following steps when dealing with property damages after a severe storm:

• File a claim with your insurance company

• Take photos of any property damages (interior and exterior)

• Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries

• Create an inventory list of your damaged property and possessions

• Prepare receipts or proof of payment for damaged items

• Contact trusted contractors to inspect your damages and write bids for the repairs

• Inspect the Roof As the most susceptible to wind and storm damage, make sure to check the roof for damaged shingles and seams, broken or missing materials, holes or gaps, loose and fallen debris, and any water stains or discoloration
  

• Thoroughly Check Windows Whether single or double pane, windows can easily take on damage from a large storm. Inspect for cracks and dents in frames, rips or holes in window screens, broken panes, or damage to the seal in double panes which creates fogging.
  

• Investigate the Attic Make sure to inspect the hidden areas like attics and crawl spaces for flooding and water damage.
  

• Check Gutters & Pipes Pipes, gutters, and downspouts can be cracked or chipped, or even be obstructed with debris.
  

• Access Fences, Decks & Porches It is common for exterior surfaces to experience breaking, paint chipping, cracking and other damages.
  

• Inspect Driveways & Walkways Be aware of the ground surfaces and inspect for cracks in the sidewalk or gravel astray.
  

• Be Mindful of Trees & Debris Take a look at all trees and plants on your property, as well as your direct neighbors.
  

• Look for Chipped Brick Hailstones frequently chip brick, which can devalue your home. Some types of brick are very hard, but also very brittle and susceptible to chipping.

Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

Galindo Law understands the havoc caused by a hurricane. Our team offers care and legal support when dealing with hardened insurance companies. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.

The insurance companies already have teams of lawyers all over the country representing their interests—The question really is why would you want to go up against them alone?

Consider this, why do the insurance companies want to talk you out of getting a lawyer?

Because they know that if you hire a good lawyer, they will have to pay you what they owe.

In additions to teams of lawyers working to help insurance companies pay what they owe, they have trained adjusters whose only job is to pay you as little as possible.

The insurance company does not care about you. They will pay for a few treatments and then give you a minimum settlement to go away. Once you are stuck with an injury and not enough money to treat it, it may be too late to seek the services of a lawyer. The last thing an insurance company wants is for you to have a lawyer looking out for you.

Even seemingly minor collisions can cause serious, and sometimes permanent injury. Often, the more sever symptoms develop over time. The insurance companies’ job is to pay you as little as possible, so that by the time you realize the seriousness of your injuries, you have already signed your rights away.

Your health is the most important thing to you. It is also the most important thing to us. Getting everything you deserve from an insurance company starts with getting well. We are here to make sure that you get the healthcare you need and then make sure that you get everything in terms of financial compensation that is available to you.

18-wheelers are dangerous by nature. They have blind spots. They are huge and hard to maneuver. They weigh tons and are hard to stop. They are often driven by drivers with deadlines who are tired and should not be out on the road.

Because of the inherent dangerous 18 wheelers pose on our roads and highways, all 18-wheeler owners are required by law to carry a minimum of $1 million dollars in liability insurance to compensate the average drivers when they are injured due to the negligence of an 18 wheeler operator.

Because they are so huge, 18 wheelers collisions are much more likely to cause serious injury or death.

The insurance companies who issue policies to 18 wheeler drivers are just like the other insurance companies, they have teams of lawyers looking out for them. Because the stakes are often higher, they often get the lawyers involved early and push very hard to have you make the mistake of trying to make a go of it without a lawyer.

Not every claim against an 18 wheeler’s insurance carrier is worth $1 million. As with all claims, the value depends on the extent of your injuries; your pain and suffering; and other factors such as the severity of the other driver’s negligence and lost wages. Cristobal Galindo, PC is here to maximize your settlement or jury award. The insurance company is there to minimize their payout.

We have 20 years of proven results taking on negligent 18 wheeler drivers and their insurance companies.

If you are injured because of the negligence of an Uber or Lyft driver who is “on the clock” they have a $1 million commercial policy to cover your injuries. Because Uber and Lyft have put thousands of drivers out on the road without supervision, training or restraints on time on the road, they have created a dangerous hazard.

As is the case with 18 wheeler collisions, the severity of your injuries, pain, suffering and lost wages will determine the value of your claim.

Cristobal Galindo, PC has been successfully representing clients against Uber, Lyft and their insurance companies since this new transportation method arrived in our communities.

Yes. Tow truck drivers, and several other commercial vehicles are required by law to have

liability insurance policies larger than the average person. You will need an experience attorney to help you navigate your claim, determine the value and keep the insurance companies from taking advantage of you.

Cristobal Galindo, PC is the best firm to help you from filing the claim, helping you find the best medical care and getting the highest settlement or award.

For over 20 years, we have been protecting the rights of car wreck victims. We have the knowledge and dedication to fight the insurance companies all the way. Most claims settle before reaching the court room because we know how to stand up to insurance companies.

Sometimes the insurance companies won’t listen to reason. When this is the case, Galindo Law has a proven track record of going to trial and winning.

We secure millions of dollars in settlements and verdicts for our clients every year.

There are three main types of explosions: chemical, mechanical, or nuclear. Depending on the type, there are considerable reactions that can occur. Explosive substances or devices release high volumes of energy upon impact that are dangerous to nearby people, structures, and the environment.

CHEMICAL

A chemical explosion can occur when certain explosive substances, like gases and liquids, rapidly undergo oxidation generating large amounts of hot gas. Whether intentional or accidental, combustion commonly occurs when an explosive substance is in the presence of oxygen and a flame or spark.

MECHANICAL

A mechanical explosion occurs when a high-pressured gas expands beyond the limits of the container it is. The structural integrity of the container (measured in tensile strength) cannot withstand the force of the gas and it causes a physical reaction to happen. In order to relieve the pressure, the vessel can burst creating a shock wave - and fire if the contents are flammable.

NUCLEAR

Fusion or fission creates a reaction that results in nuclear explosions. In a nuclear blast, large amounts of heat and gas energy is released which rapidly increases the temperature of the air. The reaction generates a powerful blast wave, as well as radioactive debris and radiation which is extremely harmful to anyone in the surrounding blast zone.

Explosions can be caused by many reasons. In the work environment, especially one in an industrial, chemical, or manufacturing industry, the main factors that cause explosions include:

• Hazardous chemicals

• Flammable gas or liquids

• Electrical hazards

• Combustion engines

• Exploding object fragments can erupt and fly out into pieces striking people or other objects

• Some highly explosive substances can release enormous pressure and kinetic energy in supersonic blast waves and also carry dangerous blast winds that cause serious damage to the surrounding area. The pressure explodes out into a circular pattern in a blast wave at speeds up to 13,000 miles per hour

• Thermal flashes of extreme heat in blast winds can create extensive burn injuries.

• The explosion site can erupt in large or localized fires creating harmful smoke, toxic fumes, and other breathing hazards

• In nuclear explosions, dangerous radiation and radioactive materials could be released

Consider the following steps if you’ve been injured from an explosion:

• Seek medical attention immediately

• If the explosion happened at work, notify your employer that you’ve been injured

• Contact an experienced personal injury attorney who can help represent you and guide on you on next steps and your options

In almost every case, an explosion was a preventable event and caused accidentally from some form of neglect or wrongdoing. Explosions cause extreme damage and debilitating physical and emotional injuries. They often tragically result in disfigurement or death. Victims or surviving family members should not have to suffer further for these avoidable incidents.

At Galindo Law, we will always protect your best interests in an explosion lawsuit and demand the maximum in compensation. Our dedicated and dynamic lawyers will do everything it takes to see that you and your family are taken care of and on the right path to rehabilitating your lives. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.

An applicant’s legal status will really depend on the individual, where they are from, and what intentions they have in the United States. For instance, foreign-born individuals that have family in the United States, especially immediate family members, may be able to petition for a green card. For those that are entering the U.S. for business or as tourists, there are temporary visas that can be granted. Individuals or families that are looking for permanent residence can obtain immigrant visas and go through the process of naturalization.

Immigration law can often be complex. An immigration lawyer can help understand your needs and assist you through the required process for your individual case.

There are two ways of becoming a U.S. citizen, either by birth or through the process of naturalization.

Citizenship by Birth

Generally, people are born U.S. citizens if they are born in the United States or if they are born to U.S. citizens.

In most cases, you are a U.S. citizen if:

• One of your parents was a U.S. citizen when you were born

• The citizen parent lived at least 5 years in the United States before you were born

• At least 2 of those 5 years in the United States were after your citizen parent’s 14th birthday

• If you were born abroad, your record of birth was registered with a U.S. consulate or embassy

Citizenship by Naturalization

Those that were not born in the United States must go through a process called naturalization. Naturalization is the legal process that allows an individual to apply for and be granted citizenship in the U.S. There are certain criteria and guidelines set by Congress that an individual must meet in order to become a citizen.

Although some cases are unique with different rules, generally the criteria for applicants requires the following:

• Be admitted into the U.S. as a lawful permanent resident (which means having a “green card”)

• Live in the U.S. for at least 5 continuous years

• Reside in the state where the petition is being filed for at least three months prior to filing

• Have the basic ability to read, speak, and write in English

• Have a basic understanding of U.S. government and history

• Have good moral character consistent with the values of the U.S. constitution

• Be at least 18 years of age.

Legal permanent residents obtain a green card. A green card is legal proof that an individual is authorized to reside and work in the United States. A green card can also help an individual obtain a Social Security Card.

In employment-based immigration, an individual can apply for a work visa. There are various types of work visas, generally granting either temporary or permanent status. Depending on the type of employment opportunity and your qualifications, you may be eligible for different employment immigration options. Generally, most employment visas are non-immigrant, which grants a foreign citizen ability to temporarily work in the U.S.

Determining what type of work visa you might need can often be difficult, and dependent on the nature of your work. Overall the process can be long and complicated. Getting legal advice to understand the right options for your situation can be the best way to start.

Non-Immigrant Visas

Nonimmigrant visas are temporary. They allow a foreign citizen to work for a specific employer within the U.S. Nonimmigrant visas have an expiration date, and individuals are intended to depart the country by that expiration date. Individuals can also apply to extend a work visa.

The following are the most common nonimmigrant visas:

H-1B

The H-1B visa permits a foreign national to work temporarily for a U.S. employer. This type of visa is usually in high demand, and there is a limit to the number of cases that are accepted by the U.S. each year. Known as the H1B cap, 85,000 cases are accepted in a fiscal year, with 20,000 reserved for advanced degree holders and 65,000 applicants designated in an H1B lottery. To obtain an H-1B, you must have an offer of employment from a U.S. employer and your proposed job position must be in a specialty occupation - which typically means that a bachelor’s degree or higher is required to do the job. The U.S. employer must also file a petition for that individual with the U.S. Citizenship and Immigration Services (USCIS).

L-1

The L-1 nonimmigrant visa allows a U.S. employer to temporarily transfer a key employee from one of its foreign offices to an office they have inside the United States. An employer can submit a visa application for one of their foreign executives, managers, or specialized staff members that have worked for them for 12 consecutive months. An L-1 visa has two types depending on the position or skill, L-1A or L-1B, and is typically short in duration (5 to 7 years).

O-1

The O-1 nonimmigrant visa is for individuals who possess extraordinary ability in the arts, sciences, education, athletics, business, or significant achievements in the motion picture or television industries. To obtain an O-1 visa, a U.S. employer can petition on your behalf. Individuals must prove that they are extraordinary in their field, and typically must be recognized nationally or internationally for their achievements. O-1 nonimmigrant visas usually last as long as it takes to perform the work, not to exceed 3 years.

E-1

The E-1 nonimmigrant visa grants access to foreign nationals who plan to carry on trade activities and investments within the U.S. An individual can obtain the E-1 visa as a Treaty Trader or a Treaty Investor, with the intention to perform substantial trades or investments with a U.S. business but intend to return to their home country. Applications for an E-1 visa are usually filed at the U.S. consulate in their home country and do not require filing with the USCIS. The duration of stay is usually two years, although further extensions can be filed.

TN

The TN visa was created by the North American Free Trade Agreement (NAFTA) and allows citizens of Canada and Mexico to work for a U.S. employer. Applicants must prove that they are Canadian or Mexican citizen, have a job offer with a U.S. employer, and that the job position meets the TN visa requirements under NAFTA. Scientists, engineers, designers, accountants, lawyers, teachers, and medical professionals are a few examples of positions on the NAFTA list.

Immigrant Visas

Immigrant work visas are for foreign citizens that intend to live permanently within the United States and provides them with lawful permanent residence (a green card). There are 3 “preferences” or classifications of immigrant work visas that allow permanent residence. Priority workers, exceptional abilities, those holding advanced degrees in their field, and skilled professionals are considered for immigrant work visas.

The following are the most common nonimmigrant visas:

First Preference - EB-1 for an Extraordinary Ability

An extraordinary ability (EB-1) is the first preference in the immigrant visa categories. Very few qualify for this type of visa, as applicants are expected to be nationally or internationally recognized and a leading professional in their field. A foreign national applying for the EB-1 visa must prove extraordinary ability with records of achievement, awards, publications, activities, acclaim, and contributions to a particular field in the arts, sciences, education, athletics, or business.

Second Preference - EB-2 for an Advanced Degree

A U.S. employer can sponsor a foreign citizen for the (EB-2) second preference immigrant category if that individual possesses an advanced degree for an equivalent position that matches that degree. For instance, if you have a master’s degree in education, you’re more likely to qualify for a teaching position at a university that requires a master’s degree, versus a teaching position at an elementary school which only requires a bachelor’s degree. To obtain an EB-2 visa, a U.S. employer can petition on your behalf and you will need to have earned at least a Master’s degree (or the foreign equivalent). In some cases, you may also qualify for EB-2 with a bachelor’s degree with five progressive years of experience.

A U.S. citizen can file a petition for their parents or certain family members if they are at least 21 years of age. U.S. immigration laws give priority to reuniting families. Family petitions can be filed by U.S. citizens and legal permanent residents, who are at least 21 years of age, on behalf of immediate relatives to enable them to immigrate and unite with their family members. The parents of a U.S. citizen may apply for a green card from either inside or outside the United States, with a separate petition being filled out for each parent. If the parent is outside of the U.S., the parent may apply to become a permanent resident at a U.S. embassy or consulate, also known as consular processing.

Although a child U.S. citizen can file a petition for their foreign parent, there will be requirements for a financial sponsor for the immigrant parent, and the parent must also meet the eligibility qualifications for a legal permanent resident (green card). Considering the laws and regulations regarding immigration, it’s advisable to first consult with an experienced attorney on the right options for your family-based immigration.

The time it takes for the U.S. Citizenship and Immigration Services (USCIS) to process an application for a green card can vary depending on the type of filing, the office location, and other factors. The typical processing time of an application can range from 7 months to 33 months.

Filing an adjustment of status within the U.S. or at a U.S. Consulate abroad all depends on where the individual is located or if they are legally within the U.S. Foreign individuals that are living outside of the United States - and many that are living illegally within the U.S. - must complete their visa or green card applications through consular processing in their home country before entering the United States. Immigrants that are living legally within the U.S. are able to obtain their adjustment of status within the country.

A U.S. citizen can bring their fiancé or spouse to the United States through two main types of visas: the fiancé visa or a marriage visa. A fiancé visa allows a foreign individual 90 days to enter the United States with the intention of marrying and living with a U.S. citizen. Alternatively, a marriage visa allows a U.S. citizen’s foreign spouse to immigrate to the country. Both types of visas have eligibility requirements, and the couple must demonstrate that the marriage is legitimate and “bona fide.” A fiancé visa is considered as the fastest option for an unmarried couple to join in the states, and once married, the foreign spouse can then undergo an adjustment of status for legal permanent residence.

The U.S. Citizenship and Immigration Services (USCIS) requires marriage-based immigration to be authentic, meaning the purpose of the marriage is for a couple to build a future together and not be married with the intention of obtaining a green card. This means that a marriage should be “bona fide” or legitimate and will require proof as such.

There are 2 main ways that you will prove your marriage is “bona fide” or real:

1. By providing the necessary marriage-based legal documentation required by the USCIS

2. Completing a USCIS conducted interview

Family-based petitions and some employment-based applications for lawful permanent residence (green card) in the U.S. require an Affidavit of Support (form I-864). The Affidavit of Support is a contract naming someone as a financial “sponsor” that will accept legal responsibility for financially supporting the sponsored immigrant. This is an important measure in getting a green card and ensures the USCIS that someone in the U.S. will prevent an immigrant from becoming a “public charge.” This includes repaying any federal debts or welfare benefits the immigrant applies for.

When a sponsor signs an Affidavit of Support (I-864), they agree to the following:

• To be financially responsible for the immigrant while they reside in the United States, until they become a U.S. citizen or until they have been credited with 40 quarters of work (typically 10 years). Obligations would also end if the immigrant were to become deceased or depart the U.S.

• To ensure the immigrant’s income is above the 125 percent Federal poverty income line.

• Federal benefits such as Medicaid, state child health insurance programs (CHIP), or other benefits like food stamps will be paid back by the sponsor.

• Address and contact information will always be updated with USCIS.

Immigrants who are applying for entry into the U.S. or for a green card may be denied due to the public charge rule. If the U.S. government considers a non-citizen to likely use government assistance at any time, even if they’ve never received public benefits in the past, their applications for admission into the U.S. and for lawful permanent residence (green card) are more likely to be denied.

Public benefits or government assistance that can affect your application approval includes the following:

• Cash Assistance Programs (federal, state, local, or tribal) such as Supplemental Security Income (SSi), Temporary Assistance for Need Families (TANF), and other cash assistance benefits

• Food Stamps (SNAP)

• Medicaid (unless pregnant or under 21 years of age)

• Public housing

• Section 8 Housing or Project-Based Rental Assistance

RECENT UPDATE – September 11, 2020:

The “Public Charge” immigration rule has been temporarily halted and not being enforced due to the COVID-19 pandemic. During the national health crisis, new injunctions were issued in federal courts that allow temporary access to critical health care and public assistance in immigrant communities. This is temporary and updates can be found at

The public charge rule was early established by Congress in the 1800’s as the concept that immigrants entering the United States should be self-sufficient and able to support themselves financially without the need for government assistance. The principle would not permit immigrants into the U.S. if they cannot care for themselves without becoming public charges. The United States Citizenship & Immigration Services (USCIS) adheres to this rule when considering new immigration applications.

The U.S. Citizenship & Immigration Services (USCIS) will schedule interviews for all adjustment of status applicants (unless the interview is waived by USCIS). A USCIS officer will be assigned to your case and schedule an interview where they will determine if an application is eligible for the adjustment.

A USCIS officer will perform the following in an interview:

• Review and verify all application information and any changes since it was submitted

• Ask several questions about your application and supporting documents

• Test your ability to read, write, and speak English

• Test your knowledge and understanding of U.S. history and government

Immigration law is a complicated area of practice. The federal government is very strict and requirements can seem challenging without assistance. Hiring an experienced immigration lawyer ensures your case is processed successfully and can greatly save you in time and stress.

Consulting an immigration attorney is always a good idea when:

• You have urgent needs in a matter of immigration

• You are having problems obtaining a green card, citizenship, or other benefit

• You have questions regarding your eligibility

• You are confused with the process, forms, or requirements

Chemically known as ranitidine hydrochloride, Zantac (ranitidine) belongs to a class of drugs called histamine H2-receptor antagonists (or H2 blockers), which decrease the amount of acid produced by the stomach.

Zantac is a very popular antacid medication that has been on the market since the early 1980s. Zantac is available over the counter (Zantac OTC) and by prescription. People commonly use Zantac for acid reflux, heartburn, and a host of other stomach, throat, and gastrointestinal issues. Others use Zantac for allergies to supplement their treatment regimen.

​Zantac dosage varies between 75 and 150 mg tablets, though some patients take a once daily Zantac 300 mg dosage.

Below are some of the most common Zantac brands and generic ranitidine brand names:

• Zantac 150 Tablets

• Zantac 150 Maximum Strength

• Zantac 150 Maximum Strength Cool Mint

• Zantac 75 Tablets

• Wal-Zan 150

• Wal-Zan 75

• Heartburn Relief (ranitidine)

• Acid Reducer (ranitidine)

• Acid Control (ranitidine)

The link between Zantac and cancer goes back decades. Below are some of the cancers associated with Ranitidine:

• Bladder cancer

• Colorectal cancer (colon and rectal cancer)

• Esophageal cancer

• Intestinal cancer

• Kidney cancer

• Liver cancer

• Lung cancer (non-smokers)

• Ovarian cancer

• Pancreatic cancer

• Prostate cancer

• Stomach cancer

• Testicular cancer

• Thyroid cancer

• Uterine cancer

If you, a loved one, or a friend has been affected, now is the time to act, as cases such as these are just being filed. Anyone that has been consuming Zantac and developed liver cancer, kidney cancer, gastric cancer or colorectal cancer should consider filing a lawsuit to receive compensation. Financial compensation may be awarded to cover medical expenses, lost wages, loss of diminished earning capacity, and physical pain and suffering. There is a short statute of limitations to file suit.

Our success isn’t just measured by the financial compensation we bring in on behalf of our clients. We are also committed to protecting people and the environment from harmful products.

​Galindo Law has earned a reputation for winning big cases against big companies. Our firm has obtained millions of dollars in verdicts and settlements across all areas of personal injury practices on behalf of our clients, people just like you.

If you would like more information on what our firm can do for you, give us a call anytime or fill out the contact form to schedule a free Zantac lawsuit consult.

Delayed Claims

Many policyholders complain about the frustrating difficulties in getting their claim resolved. Although there can be legitimate reasons for a claim to be delayed, there are also unjust tactics that some companies use to postpone payment. Common delays in claims can include:

• Delayed scheduling of an inspection

• Requiring multiple inspections of your property

• Additional documentation is repeatedly requested

• Untimely responses to your questions, concerns, phone calls, and messages

Underpaid Claims

With the amount of catastrophic loss we’ve seen from Hurricane Laura, it is unfortunately commonplace for many claims to be underpaid. Insurance companies can save thousands by underestimating the value of each claim, or by offering a fraction of the value of that claim. Underpaid claims can happen for a number of reasons, including:

• Overbooked insurance adjusters have little time to properly inspect each property

• Many property damages are overlooked or omitted when preparing the initial report

• Some damages require proof or receipts that you do not have or lost in the hurricane

• Estimates fail to factor in necessary pricing for the construction (logistics, materials, cost of labor, environmental, etc.)

• Claim values only offer a patch to the damages, versus fully restoring or replacing them

Denied Claims

Policies can be written in vague and complex language to make it difficult to understand what is covered or excluded and navigating the terms can be a daunting task. Oftentimes coverages are denied based on exclusion from the policy but are covered under certain circumstances. Claim denials can include:

• Wrongful denial or unproper investigation of damages under the policy terms

• The insurance company says you lack the proper evidence of damage

• They attempt to find reasons for the denial of a claim such as a pre-existing condition

• Paying you as little as possible to protect their profits

If you feel like your claim is being unjustly delayed, underpaid, or denied, it is probably best to have the support and experience of an attorney to help examine your case. Having legal representation can make all the difference in the outcome of your claim.

Conduct and acts in bad faith by insurance companies are against the law. Courts can require acts in bad faith punishable to pay penalties, as well as additional damages. Complying with the law obligates insurance companies to investigate, estimate, and promptly pay their claims in good faith. Acts in bad faith can include:

• Misrepresenting policy terms

• Wrongful denial of a claim

• Underestimating the value of damage

• Fabricating exclusions or requesting unnecessary documentation

• Not paying the full amount or delaying settlement checks

• Lack in communication with the policyholder

• Rejecting or omitting damages or refusing reinspection of the property

1. Take Photos & Document Everything

Pictures speak a thousand words, and they are also hard to dispute in a damage claim. One of the best things you can do is take the time to document and photograph all damages to your property. Create a “hurricane damage” photo album on your phone and be your own journalist, which will visually tell a story of the storm’s impact on your home or business. This can be the exterior of your property, as well as the interior in many cases. Also create an inventory list of items that were damaged, as these things can be later used as proof as to the extent of your damages.

2. File Your Claim

Make sure to file a claim with your insurance company as soon as you can. There can be deadlines to filing a claim depending on the insurance carrier, so it is best to get the ball rolling in the days just following the hurricane. Naturally, there is a process involved in any property damage claim and you can expect the insurance company to send an adjuster out to your home to evaluate your damages. Although you will find the adjuster can be as friendly as they come, it is important to remember that they work for the insurance company – and not for you.

3. Understand Your Insurance Policy

After you have documented your damages, take the time to understand your insurance policy, specifically regarding hurricane damages. Read through your coverage and get an idea on what you might expect in an insurance claim. This is not always easily done, as some insurance policies can often be extremely vague in what they cover or exclude and are often purposely written that way. If you find that you are having trouble understanding your policy, it is free and easy to contact a personal injury lawyer to review it with you.

4. Consult with an Attorney

Many personal injury lawyers work on a contingency basis, meaning you have no upfront costs and only pay a fee if your case wins. Take advantage of that offer and have your questions answered. Experienced attorneys understand the loopholes, pitfalls, and obstacles that are common among insurance companies. They speak their language. Having legal guidance can keep you stay mindful of bad faith warning signs, as well as help you be assured that you are getting all you deserve from your insurance claim.

There are things you can pay attention to now, as well as look for in the future, with your hurricane insurance claims. Even if you have already received your settlement, it is not too late. You might not be getting all you deserve and there is free legal advice out there to take advantage of. Reach out to our team at Galindo Law if you have any questions about your insurance claim, policy, or the amount in benefits you received from your insurance company. We are experts at defending your rights and challenging bad faith claims.

Many home and business owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

Even if you have already received your settlement, it is not too late. You might not be getting all you deserve and there is free legal advice out there to take advantage of. Reach out to our team at Galindo Law if you have any questions about your insurance claim, policy, or the amount in benefits you received from your insurance company. We are experts at defending your rights and challenging bad faith claims.

• Roof failure, collapse, or leaking

• Exterior wind damage

• Plumbing-related Damages

• Flooding, Mold & Mildew

• Gutters

• Exterior paint

• Landscaping & Trees

Always, first and foremost, when you return to your home make sure you and you loved ones are safe from winter storm hazards: power lines, electrical or gas appliances, flood water, debris, and other dangers. Consider the following steps when dealing with property damages after a severe storm:

• File a claim with your insurance company

• Take photos of any property damages (interior and exterior)

• Keep detailed records of documents and conversations with the adjuster and the insurance company including names, dates, and summaries

• Create an inventory list of your damaged property and possessions

• Prepare receipts or proof of payment for damaged items

• Contact trusted contractors to inspect your damages and write bids for the repairs

Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher – there is a greater chance for dispute. You should consider contacting an attorney for help when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

Galindo Law understands the havoc caused by a hurricane. Our team offers care and legal support when dealing with hardened insurance companies. Call the Galindo Law Firm at 888.800.1808 for a free legal consultation.

Establishing that your constitutional rights were violated by the government can be extremely complex as there are varying jurisdiction rules and processes. Having an experienced trial attorney that understands this complicated area of law, and who can file action on your behalf, may be a necessity depending on the details of your case.

Generally, you’ll find that homeowners insurance covers damage or destruction to a home’s interior and exterior, loss or theft of personal possessions, as well as protect you against personal liability for any harm to others. A standard homeowner’s insurance policy will cover things like:

Dwelling: The most basic coverage you find in a policy is for protection of your dwelling which covers the structure of the home (foundation, walls, and roof), as well as certain structures that are attached to the home like the garage or deck.

Other Structures: Standard insurance policies generally cover other structures on your property that are separate from your dwelling, such as a fence, detached garage, or tool shed.

Personal Property: This provides coverage for your personal belongings such as clothing, furniture, electronics, appliances, and other items if they are stolen or destroyed by an insured peril.

Liability: This type of protection covers you in the event there is a lawsuit for bodily injury or property damages caused by you, a family member, or a pet to other people.

Additional Living Expenses (ALE): The additional costs you accrue living away from home in the event it becomes uninhabitable from an insured disaster (such as rent, hotel stay, restaurant meals, storage fees, and other types of expenses you would not have had had the event never occurred.)

Medical Payments: Covers medical expenses of someone injured on your property regardless of who is at fault. It also covers medical expenses if you, a family member, or your pet injures someone off of your property.

Although there can be variations depending on the policy type and the insurance carrier (as well as certain limitations or exclusions of coverage) most standard homeowners insurance cover perils like:

• Fire or Lightning

• Smoke

• Hail or windstorms

• Vandalism

• Theft

• Explosions

• Falling objects

• Riots or civil disturbances

• Volcanic eruptions

• Damage caused by vehicles or aircraft

• Weight of ice or snow

• Sudden damage from a power surge

• Overflow or accidental discharge of water or steam from household systems such as plumbing, air conditioning, heating, fire-protective sprinkler systems, or other household appliance

• Sudden or accidental tearing, cracking, bulging, or burning of a hot water, steam, air conditioning, or fire protective system

• Freezing of a plumbing, air conditioning, heating, fire-protective sprinkler systems or household appliance

To pursue an inverse condemnation claim from a government reservoir release, flood insurance is not required.

Also, most insurance companies do not cover flooding under standard policies and an inverse condemnation lawsuit might be your only option to recover damages from flooding under these circumstances.

Acts by the Government: Homeowners insurance will not cover damages to your property or personal belongings if a governmental or public authority is responsible which includes seizure and eminent domain.

Acts of War: If the Government officially declares an event as an act of war, damages to the home will not be covered by insurance. Terrorist attacks may not be specifically referenced in a policy but damages to property due to explosions, fire, smoke, and acts of vandalism are typically covered.

Business-Related: If you are doing business in or out of your home (even small business), its best to talk to someone about business insurance because standard home insurance policies do not cover business-related claims.

Dog Breeds: Certain dog breeds are considered aggressive and denied coverage by certain carriers.

Earth Movement: Perils such as earthquakes, sinkholes, or mudflows are typically not covered or are required as an add-on to your policy to be covered.

Intentional Damage: Intent to cause damage to your own property is not included, although vandalism or criminal acts by another are usually covered.

Flooding Damage: Flood damages usually require a flood insurance policy to be covered.

Law or Ordinance: Upgrades or damages resulting from an area of your home that is not up to standard building codes or regulations.

Luxury Items: There are often high-valued collector’s items, such as jewelry or artwork, that are not covered in a standard policy’s limits and take a separate policy to be covered.

Mold Damage: Mold is considered to be something that is preventable and grows over time before it affects your health or home, therefore is generally not covered.

Natural Disasters: Depending on your geographic location, certain natural disasters such as Earthquakes, Wildfires, Hurricanes, etc. are not included in a policy or require you to purchase coverage in a separate policy.

Negligence: If you neglect or fail to properly maintain the repairs or upgrades to your property.

Nuclear Accidents: Insurance does not cover any type of nuclear hazard, accident, or disaster.

Normal Wear and Tear: Since insurance is typically designed to cover sudden events and accidents, it wouldn’t typically cover normal wear and tear.

Power Failure: It is typical to find that damages or loss relating to a power outage would not be covered.

Swimming Pools, Diving Boards, Hot Tubs, Tree Houses or Trampolines: Considered to frequently cause injuries, these high-risk factors are often excluded or require you to purchase additional coverage.

Termites, Bedbugs and Other Infestations: Some infestations are considered preventable, others are considered to be brought into the home and are normally excluded.

Watercraft: Oftentimes there are very limited or strict conditions for watercraft to be covered so you would have to consider additional boat or watercraft coverage.

Water Damage: Damages that result from things like water or sewer backup, sump overflow or discharge, are usually offered as add-ons to a standard policy. Some damages caused from things like a burst pipe could be covered, so it is good to understand exactly what your policy covers.

1. Notify the Insurance Company Immediately

It is extremely important to contact the insurance company as soon as possible for multiple reasons. First, the insurance provider could have a time limit on accepting claims after a damage occurs (24-48 hours is not uncommon). Secondly, once you’ve notified the insurance company, it triggers deadlines that your carrier must follow to stay compliant with the law. They must acknowledge your claim and begin the investigation process.

2. Document, Document, Document

Although the storm was hard enough to go through and adding any added burden could be a struggle at this time, we cannot stress this point enough. Documenting everything that happens with your claim is extremely crucial. Having excellent or incomplete records can absolutely make or break your claim. We’ll list some key areas that will help build your case:

• Fully inspect all areas of your property including commonly hidden areas (such as the attic or crawl spaces) for damage or moisture. See our list of common hidden storm damages.

• Take photos and video of your damages, even if minimal.

• Begin a journal or log of everything that happens, including dates and times, contacts you speak to, summaries of what happened or what was said, etc.

• Start a file and keep any printed correspondence (such as letters, emails, or reports from the insurance company, repair/service quotes, etc.) as well as any purchase receipts for repairs all together in that same file.

• If any of the contents of your home were damaged, make an inventory list of those items and include any purchase receipts you have saved for them (such as computers, TVs, appliances, furniture, etc.)

• Get quotes on repairs from trusted contractors and service professionals which can be used to calculate your claim

• Gather together invoices, purchase orders, policies, and other key documents that will be included in your claim

• Send a follow up email with a brief summary of any verbal communication you had in-person or by phone

3. Cooperate with your Insurance

Once you’ve notified the insurance company of your claim, it is your responsibility to continue to cooperate with them by providing any necessary and reasonable documentation they request as they investigate your claim. Be present and make your property available for the adjuster that will be inspecting the damages. Provide the adjuster with information they need to perform their inspection, and make sure to point out any and all areas that sustained damages. Have the adjuster inspect all damages, even in tight areas like attics or crawl spaces. Be polite and courteous with the adjuster and do your best to answer questions, return phone calls, and send all documentation and pictures of damages to your property. Again, it is always best to send a polite summary email to the adjuster and to log your in-person communication as a brief record of what happened on the visit.

4. Your Rights in the Processing of your Claim

Insurance companies must follow the law and insurance codes to acknowledge, investigate, and process your claim. Deadlines are usually within 15 calendar days to acknowledge your claim and request documentation from you. Generally, they must approve or deny your claim, in writing, 15 calendar days after they receive your requested documentation. Once approved, the insurance company should process a payment to you within 5 days.

Important Note: When the Department of Insurance declares a weather-related event as a catastrophe or natural disaster, they offer deadline extensions of up to 45 days for the insurance providers to approve or deny your claim, and an additional 15 days to make payment to you – provided they notify you and give reason for the extension. This could mean longer wait times for an adjuster, claim acceptance, claim denial, or payment.

If an insurance company does not comply with the law, they can be held liable for statutory interest penalties.

Often many property owners find they have little trouble filing an insurance claim for their damages. Other times - usually when the stakes are much higher and the damages are more extensive - there is a greater chance for dispute. If you disagree with the amount of money the insurance is offering you, or you were denied coverage, you have a few options available.

1. You can provide a bid or quote for your repair from a reputable contractor or service company, and ask for the insurance company to reevaluate your claim. Sometimes an insurer will adjust the amount of your claim with valid quotes for the repair of your damages.

2. Another option is to hire a public claims adjuster. Public adjusters can be very valuable to help assess the full extent of your damages and negotiate for a higher settlement with your insurance company, but it is fair to note that they have no position of authority or legal power over the insurance company. Therefore, insurance companies have no legal obligation to accept a public adjuster’s report, and oftentimes disputes can still arise.

3. You could also contact an insurance claims attorney to review your case. An attorney can examine your policy, documentation, and insurance estimate to evaluate your options. They can send a letter to the insurance company to represent you on your claim, as well as generate a demand letter for the maximum settlement. They collect all important evidence, calculate accuracy in your damages, and will negotiate on your behalf.

Most attorneys and public adjusters work on a contingency-basis, which means there are no upfront, out-of-pocket costs and any fees that are generated would be paid out of a settlement that is won for you (which would NOT include any original payment that was sent by your insurance company.) No win, no fees. This gives property owners a chance to understand their rights, and to pursue legal options to get a fair settlement on their claim without upfront or premium hourly attorney rates.

What’s the key difference between a Public Adjuster and an Insurance Attorney?

The short and sweet of it is - negotiating power. Public Adjusters can be very valuable to help assess the full extent of your damages and negotiate for a higher settlement with your insurance company, but they have no position of authority or legal power over the insurance company. Therefore, insurance companies have no legal obligation to accept a public adjuster’s report, and oftentimes disputes will arise. Attorneys represent their clients inside and out of court and have the litigation power against the insurance company to maximize their claim. Public adjusters are usually in the range of 10% - 20% in their fee arrangements, and attorneys are generally in the range of 33-40%. They both assume much risk up front and have full intent to try and win the highest settlement for your claim, but attorneys can pursue legal action and other awards for damages where a public adjuster cannot.

How are Public Adjusters and Insurance Attorneys similar?

Both public adjusters and insurance attorneys work for you. They can be hired with no upfront costs and usually do not charge any fees on any money you have already received from the insurance company. They work on a contingency basis meaning their fees will only be paid from any further money they are able to win for you.

For example, the insurance company sends you a payment for your claim for $10,000. When a public adjuster or attorney is hired, that $10,000 payment would not be considered in their fees. If a public adjuster or attorney were then able to negotiate for $40,000 more from the insurance company, the $40,000 is the amount they would base their fee percentage on. The total amount in the claim from the insurance company would be $50,000, but the fees are only on the $40,000 they were able to recover for you which would be in the vicinity of $10,000 – $16,000 from your settlement offer. Out of $50,000, you would have received a total between $34,000 - $40,000, where originally you had only started with $10,000. Every case is different, but this is an example to give you an overall idea.

Getting the Most for your Claim

In many cases, hiring a public adjuster is a good option for your situation. They can help you understand your policy coverages, calculate your property damages, and re-file a claim to the insurance company to help negotiate a higher settlement, acting as your representative in what can feel like a nightmare process.

On the other hand, many cases are best to start with an experienced insurance attorney. An attorney can be a valuable asset in fighting the legal battles to get you everything you deserve in your claim, especially on more complicated or severe cases where the property damages are extensive and the insurance company is not acting in good faith. You should consider contacting an attorney versus a public adjuster when:

• You have questions regarding your policy coverages

• The insurance adjuster’s estimate is lower than expected

• Damages are extensive and claims are more complex

• Claims are delayed or denied

For over 21 years, we have been protecting the rights of home and business owners on their property damage insurance claims. We have the knowledge and dedication to fight the insurance companies all the way. Most claims settle before reaching the court room because we know how to stand up to insurance companies.

Sometimes the insurance companies won’t listen to reason. When this is the case, Galindo Law has a proven track record of going to trial and winning.

We secure millions of dollars in settlements and verdicts for our clients every year.