It's that season again. In Illinois and across the Midwest from Wisconsin and int Texas and Colorado, spring and early summer usher in potentially dangerous weather. While the news usually reports major weather events that end in bodily hard and epic destruction, often times damage on a smaller level is over looked. In no case is this more prevalent than in wind and hail situations.
Hail is a kind of strong precipitation where frozen rain forms into layered pellets and falls in showers from cumulonimbus clouds. The specific balls or irregular swellings of ice produced are referred to as hailstones. Although ice is usually associated with cold temperatures, that is not real for the formation of hail. Hail is possible within two nautical miles of the center of any thunderstorm--making the destructive range very large.
Hail damage is a deceptive and serious danger to property owners throughout the United States and abroad, triggering in excess of $1 billion in damages to property and crops each year. Even the tiniest hail can cause damage to young plantings. To rub salt in the wound, hailstones fall at greater speeds as they grow in size; some can fall as fast as 100 mph and include contaminant.
If you reside in a location susceptible to serious weather and have a low slope or flat roofing system with asphalt shingles, you are in the high threat for hail damage classification. The good news is that a lot of business and specific house owner's policies cover hail damage.
As far as the United States is concerned, hail is most common where Colorado, Nebraska and Wyoming meet; a location coined Hail Street. Cheyenne, Wyoming ranks as the number one most vulnerable city in the United States for a hailstorm.
Hail falls many times each year, and has genuine capacity to trigger extreme damage. Airplane, automobiles, crops, physical property, and so on are all susceptible to hail; badly denting, shattering and conceivably even destroying properties.
Among the most substantial hail claims arise from roofing system damage. Roof insurance claims require a lot of knowledge about roofing system construction and history of the roofing in concern. It often leads to litigation because Insurance companies such as State Farm, All State, and Nationwide have thousands of roaming adjusters who are programmed to build cases for the companies to deny claims.
If you or your roofing expert or contractor determines what is necessary to fix the damage from a hail storm, then you should be very apprehensive when an "independent" adjuster for the insurance company determines that the damage is actually less. It is at this point when you should contact an experienced attorney, and we are here to help.
Ryan is a partner at Koester & Bradley and handles the firms property damage claims. He is always available to talk, and consultations are free.
Spring is at long last upon us and as the weather heats up, many cyclists will be hitting the trail. However, before you jump on your bicycle and take off, you need to that your bike remains in an excellent condition.
Whether or not you bike to school or your job, or you merely enjoy relaxing trips through the park, bike maintenance is an important topic. In recognition of National Bike Month, which takes place in the month of May, we've assembled some things you can do to make sure that your bike is really good to go this spring season.
A thorough inspection of your bike is very important to be certain that there aren't any complications when you are riding throughout your Central Illinois or your area, especially if the bike has not been utilized in a while (thanks winter). One thing that you don't want to do is to neglect a small issue until it ends up becoming a big problem that could endanger your safety and security or the safety and security of others on the road or the trail.
Have a fun-- and safe-- bike ride!
Maintain your Rubber
Many cyclists understand the importance of having wheels that are in a good condition before riding. Nevertheless, if your bike has been waiting inside for some time, it is quite likely that the tire may be flat or low on air. You may need to get the pump out.
When pumping up tires, you should buy a high-quality bicycle pump with sizable gauges that are easy to decipher, according to Bike Radar. It is also important to stick to the manufacturer's recommended pressure level to ensure that the wheels perform when riding. It is the same concept that is applicable to car tires and the pressure rating should be visible on each wheel.
Finally, when examining your tires, try to find any gaps or dry rot that may have developed over wintertime and replace the tires as soon as you can. Dry rot can cause your tires to blast mid-ride and you will lose control of the bike. This will rupture the tire tubes and cause a certain wreck.
Balance Your Wheels
The wheels should rotate evenly and not brush against the frame of the bike. If there appears to be an impediment, check the tightness of the spokes by running your hands around them. Tighten any spokes which feel loose or twists easily.
Your bicycle should always move in a fluid motion and not be unsteady or jerky when riding about town in Champaign-Urbana. The best way to inspect the wheels is to turn your bike bottom up and spin the wheels, according to Livestrong.
Get on the Chain
Bicycle chains can create a dangerous situation for you when riding if not appropriately taken care of. If a chain is too loose, it may break while riding and if the chain is too tight, it can make for a difficult ride and damage your gears.
The best way to adjust a bicycle chain is to release the rear wheel nuts on each side and pull the rear wheel back to take slack out of the chain. The bicycle chain movement should not move more than a quarter to half an inch.
Breaks are the Key
Operational brakes can mean life or death for a biker, so it is imperative that you spend ample time making sure that your brakes function properly. This part of the process should be conducted before every ride.
Whenever inspecting your bike's brake levers, make sure they engage both sides of the brake pads on each wheel. If there is a long lag in the lever, loosen the barrel adjuster a few times and test to see if it does what it is supposed to do.
Also, verify that your brake pads aren't loose or wiggle when they press against the bike's rim. If the brake pads are worn or cracked, replace them immediately before taking the bike out onto the street.
Get Lit Up
Visibility on the road is imperative to bike riders and having a broken light can lead to serious personal injuries not only to yourself but to others on the road or path as well.
Your bicycle lights and reflectors should be checked for cracks or breaks before each evening or night ride. Get a friend or family member in order to help you check your headlights and brake lights. Replace any lights that are not functioning or producing a faded light.
Also, if you don't have front and rear lights on your bicycle, it may be best to get them for your own safety. Some states require bicyclists to have working lights while travelling during the dark hours, so don't get fined for not having this essential shield on your bike.
Get Into Gear
Smooth transitions from gear to gear can help to make a bike ride enjoyable. If you experience any weird delays or loud clicks when changing gears, it could signal a problem.
Prior to taking the bike out onto the roadway, run through the gears by spinning the pedals, according to Popular Mechanics. Make sure that the gears hit the shift points evenly with no disruptions. If you need to make adjustments, use a screwdriver to modify the derailleurs. This part of the process does not necessarily have to happen before each ride.
Finally, bear in mind that even by doing everything you can to make sure that you are safe on the road, there may be others who may not share your accident-prevention mindset. If you were involved in an accident because of another's negligence while biking, or if you are struck by a biker not obeying ordinary safety precautions, we may be able to help. To learn what our injury attorneys may have the ability to do for you, please fill out our free case evaluation form right now.
Proper bicycle upkeep may take a while, but the rewards of your labor will show in the form of a nice and exciting ride. You will be ahead of the pack when it comes to being ready this spring season.
Every year, many innocent victims are injured due to the negligence of property owners in Illinois. While the winter time usually receives more attention throughout Champaign Urbana and Central Illinois due to icy and snow-covered conditions, slips and falls are some of the most common types of accidents that befall premises liability victims year round. These cases are confusing, complicated, and difficult to win, but often result in debilitating injuries and financial stress as a victim is forced to miss work while he or she recovers. At Koester & Bradley, Accident victims often have a number of questions about their case, such as:
What Is Premises Liability?
The term "premises liability" refers to the legal liability of a business or property owner that results when someone is injured on his or her property. Illinois law provides accident victims with the right to pursue recovery for the medical bills, lost wages, pain and suffering and other damages that they sustain due to the negligent actions of the defendant. Negligence is based on the principle that the defendant was responsible for providing a safe environment and failed to provide it, which resulted in the defendant's injuries.
In Illinois the Premises Liability Act governs these types of cases and actually sets the bar very high for the injured. In order to prove negligence, a plaintiff must prove not only that the property is dangerous, but that the owner of the property knew or should have know about the danger. While this is not impossible, an experienced attorney is usually necessary to overcome this burden. This is because most defendant property owners will simply lie and say that they were unaware of the situation.
Who Is Responsible for My Injuries?
Illinois law requires the party that is in possession or control of the property to properly maintain it under . This is often the owner of the property; however, this is not always the case. For example, an investor may rent out a commercial space to a tenant that runs a store on the property and the tenant may be responsible for maintaining the property. A premises liability attorney can evaluate the case and determine which party or parties may be responsible for the victim's injuries?
What Duties Am I Owed as a Guest or Visitor?
Illinois law imposes a duty upon those occupying and owning property to exercise reasonable care under 740 ILCS 130. What is considered reasonable often depends on the particular circumstances. However, the duty typically requires property owners to prevent guests and visitors from suffering foreseeable injuries, alerting them to known dangers and repairing known dangers on the premises. If the defendant fails to meet these duties, the victim may be able to recover damages.
What Damages Can I Recover?
Accident victims may be able to recover compensation for the damages that they sustained as a result of the defendant's negligence. The potential compensation varies in each case but generally covers medical bills, pain and suffering, and lost wages. The recoveries in the appropriate circumstances can be significant. To find out what recovery you may be eligible for, contact us to discuss your case during a confidential consultation.
Illinois Plaintiffs Lawyer by Koester & Bradley
Breaking Legal News with Central Illinois Impact from Koester & Bradley, LLP
Ryan R Bradley is a civil litigator based in Champaign County in Central Illinois focused on representing plaintiffs in a variety of cases.