‘Panama squarely in T&T’s sights’ PORT OF SPAIN, Trinidad, (CMC): Even though Trinidad and Tobago are eyeing wins in both upcoming World Cup qualifiers in the space of five days, midfielder Kevan George said they will be fully concentrated on the first assignment against Panama today. “Right now it’s not an option,” said the 27-year-old, who plies his trade in the North American Soccer League. “We have to come together as a unit and get a result on Friday.” T&T face a tricky double-header, with CONCACAF giants Mexico the next opponents next Tuesday. After suffering defeats in their opening games of the confederation qualifying final round last November, the hosts know that only two positive results will revive their flagging campaign. Panama and Mexico are yet to lose in the competition, with both winning one and drawing one to sit third and second, respectively, on four points. Sarfraz: WI series vital for morale KARACHI, Pakistan, (CMC): Pakistan captain Sarfraz Ahmed believes positive results on the tour of West Indies starting this weekend will be important in boosting team morale in the wake of yet another cricket corruption scandal. Five players were recently suspended by the Pakistan Cricket Board on charges related to spot-fixing during the just-concluded Pakistan Super League (PSL), casting a dark shadow once again over Pakistan cricket. Two of the players Sharjeel Khan and Khalid Latif were members of the limited overs side and will now miss the Twenty20 and one-day series against West Indies. “I don’t want to comment on the PSL issue, but yes, we are going through tough times, and we need to do well in the upcoming series to boost our people,” Sarfraz said prior to the team’s departure for the Caribbean on Tuesday. Pakistan face West Indies on Sunday in the first Twenty20 International at Kensington Oval in Barbados before contesting the remaining three games of the series at Queen’s Park Oval in Trinidad. English FA condemns ‘insulting’ fan chants at Germany game LONDON, England (AP): The English Football Association has condemned “insulting” chants by fans at Wednesday’s game against Germany, referencing past wars between the countries. Before the 1-0 loss on Wednesday, England fans booed the Germany anthem and sang distasteful songs referencing the First and Second World Wars. FA chairman Greg Clarke said yesterday that “the behaviour of a section of the England support in Dortmund last night was inappropriate, disrespectful and disappointing.” Clarke expressed frustration that supporters chanted “songs that could be regarded as insulting to others” and said the FA is trying to address the problem with fan groups.
Snow falls at Wrigley Field on the morning of Chicago’s home opener baseball game against the Pittsburgh Pirates, Monday, April 9, 2018, in Chicago. (AP Photo/Kiichiro Sato)CHICAGO — The Chicago Cubs tried to play their home opener on Monday. It was just a snow-go.The Cubs’ game against the Pittsburgh Pirates was postponed a day because of persistent snow that covered much of Wrigley Field, creating a scene more reminiscent of December than April.ADVERTISEMENT Pirates right-hander Ivan Nova was scheduled to face righty Tyler Chatwood in the series opener. There was no immediate word on the pitching matchups.Sports Related Videospowered by AdSparcRead Next The Cubs tried pushing back the scheduled start time by an hour, and workers used hand-held blowers to melt the snow on the tarp. But the accumulation and cold temperatures were just too much to overcome.The game was rescheduled for 1:20 p.m. Tuesday, which was previously an off day for the first series between the NL Central rivals.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownChicago is the last major league team to hold its home opener. It opened the season with a 5-4 road trip to Miami, Cincinnati and Milwaukee.Pittsburgh is off to a surprising 7-2 start. It took three of four against Cincinnati in its previous series. LATEST STORIES Investigation launched into Paris-Roubaix rider’s death View comments Trump attends World Series baseball game in Washington DC PLAY LIST 01:04Trump attends World Series baseball game in Washington DC02:44Lebanese protest at new PM’s home, demand he quits00:50Trending Articles02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Nadine Lustre’s phone stolen in Brazil MOST READ Jo Koy draws ire for cutting through Cebu City traffic with ‘wang-wang’ Truck driver killed in Davao del Sur road accident Scientists seek rare species survivors amid Australia flames P16.5-M worth of aid provided for Taal Volcano eruption victims — NDRRMC Green group flags ‘overkill’ use of plastic banderitas in Manila Sto. Niño feast Jiro Manio arrested for stabbing man in Marikina Judy Ann’s 1st project for 2020 is giving her a ‘stomachache’ Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Don’t miss out on the latest news and information.
LATEST STORIES It was an exciting start to one of the group-stage’s most anticipated matches and it didn’t take long before Ronaldo and Portugal struck first.Ronaldo made a nice stepover move to get past Fernandez, his Real Madrid teammate, and was fouled at the edge of the area. He then calmly sent his shot to the right corner as De Gea went the other way.During the celebration, Ronaldo rubbed his chin in an apparent reaction to Adidas’ “GOAT” promotion with Lionel Messi. GOAT is the acronym for “greatest of all time” and Adidas is running an advertisement featuring Messi with a real goat.As Ronaldo returned to midfield for the restart, he and Fernandez appeared to exchange words and the Portuguese star smiled.Portugal threatened on counterattacks as Spain struggled to get near Rui Patricio’s goal, but a great long pass by Sergio Busquets allowed Costa to even the match. The striker beat defender Pepe to the ball and used several neat moves to clear defenders before firing a low shot into the corner from inside the area.ADVERTISEMENT Steam emission over Taal’s main crater ‘steady’ for past 24 hours Portugal’s Cristiano Ronaldo scores his third goal with a free kick during the group B match between Portugal and Spain at the 2018 soccer World Cup in the Fisht Stadium in Sochi, Russia, Friday, June 15, 2018. (AP Photo/Frank Augstein)SOCHI, Russia — Cristiano Ronaldo completed a hat trick with a perfectly taken free kick in the 88th minute to give Portugal a 3-3 draw against Spain on Friday at the World Cup.Ronaldo had twice given Portugal the lead with first-half goals, but Diego Costa equalized for Spain with a goal in each half. Nacho Fernandez then put the 2010 champions ahead with a one-timer from outside the area in the Group B match.ADVERTISEMENT Don’t miss out on the latest news and information. Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew View comments In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ Spain struggled to contain Portugal’s counterattacks, but it showed it remained a solid team despite Lopetegui’s absence. Spain looked to have successfully overcome its dramatic coaching change one the eve of the tournament but Ronaldo curled a late shot over the wall to force the draw.Ronaldo’s opening goal from the penalty spot allowed him to become the fourth player to score in four World Cups, joining Pele, Miroslav Klose and Uwe Seeler. Ronaldo also became the first Portuguese player to appear in four World Cups.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownHis second goal came after a blunder by Spain goalkeeper David de Gea, who let the ball bounce off his hands and into the net.Spain badly needed a winning start after the federation fired coach Julen Lopetegui two days before its tournament debut for accepting a job with Real Madrid without letting it know in advance. Sporting director Fernando Hierro, a former player, was picked as Lopetegui’s replacement and was on the bench despite no significant previous coaching experience. Winfrey details her decision to withdraw from Simmons film MOST READ Jury of 7 men, 5 women selected for Weinstein rape trial Sports Related Videospowered by AdSparcRead Next China population now over 1.4 billion as birthrate falls Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Volcano watch: Island fissures steaming, lake water receding Gimenez scores to lift Uruguay over Egypt 1-0 in Group A DepEd’s Taal challenge: 30K students displaced Portugal loudly complained for a foul by Costa on Pepe, and replays showed there was contact by the Spaniard’s arm with Pepe’s body, but referee Gianluca Rocchi allowed the play to continue. Portugal wanted the play to be reviewed, and Rocchi at one point put his hand to his ear, apparently indicating that the assistant referees didn’t see a clear error.Goal-line technology came into play a few moments later when a Francisco “Isco” Alarcon’s shot struck the crossbar and dropped straight down on top of the goal line. After Isco complained, Rocchi pointed to his watch, which is where he gets goal-line technology confirmations.Busquets and Costa teamed up again for Spain’s equalizer in the 55th. After a cross by Andres Iniesta, Busquets headed the ball back across the area and Costa touched it into the open net.Three minutes later, Fernandez redeemed himself for the penalty on Ronaldo with a streaking shot after a ball cleared by the defense got deflected toward him. The ball struck the post before going into the goal.GROUP DYNAMICSThe teams arrived in Russia as favorites to share first and second in the group, but the draw leaves them two points behind Iran, which defeated Morocco 1-0 earlier Friday.Spain, trying to rebound from disappointing eliminations at the 2014 World Cup and the 2016 European Championship, will next face Iran, while Portugal plays Morocco.KEY TO SUCCESSPortugal: The team has been able to succeed recently because of its steady defense, but this time it was not able to hold on to its early leads despite twice getting ahead with goals by Ronaldo. It was the star striker who saved the team from defeat with his late equalizer.Spain: The Spanish looked lost after conceding the early goal to Ronaldo, but Costa’s strike helped Hierro’s team settle down and even the match. Dave Chappelle donates P1 million to Taal relief operations
GuySuCo’s downsizingSugar workers have planned for today a huge protest against the closure of the Enmore Sugar Estate, the last of the East Demerara estates of the Guyana Sugar Corporation (GuySuCo). They are scheduled to gather at the Enmore Estate factory from 7:00h today, and march through the community.Closure of this estate has not as yet been officially announced by Government, but President of the Guyana Agricultural and General Workers Union (GAWU), Komal Chand, says that workers of the Enmore Estate will be protesting for two reasons: “They will be protesting for those who are not getting work now — the planters, they are denied of their usual work; and they are also protesting against the closure,” Chand told Guyana Times on Saturday.GAWU, the workers’ union, strongly believes that Government and the management of GuySuCo are gearing to shut down yet another estate. In a statement issued on March 20, GAWU said it has been informed that the Corporation has put an end to cane planting exercises at the estate. GAWU said it has met with members of the GuySuCo Industrial Relations Department and the Estate Management, and from that engagement it has learnt that cane planters would be offered “alternative work”, which include rat baiting, infield weeding and canal cleaning.GAWU President Komal ChandGAWU says some of the workers had called for severance payment as their traditional tasks are no longer required.Guyana Times was told that, as per norm, 20 per cent of each plot is planted with new canes and the remainder of the plot is left for old canes to grow back. However, since cane planting had come to an end at the estate, GAWU feels this is a signal that GuySuCo is gearing to close down operations at the entity.A Cabinet source told a media house last month that Government intends to keep only three sugar estates operational. In an article published by that media house, it was outlined that the Enmore Estate and the Rose Hall Estate would be closed by the end of 2018.Reports are that Government plans to keep and develop the estates at Uitvlugt, Blairmont and Albion.Talks are ongoing with several investors in relation to the possible buyout of the Skeldon estate. Government has, in fact, already signed a Memorandum of Understanding (MoU) with a Trinidad firm in this regard, while an Indian company which has been recommended by Prime Minister Moses Nagamootoo’s son-in-law has written the Government to express interest in buying out that estate.The Opposition People Progressive Party (PPP), whose support lies heavily in the sugar belt, has strongly opposed Government’s plans in regard to closing down the various estates. “Government’s callous decisions, which have already seen the closure of Wales Estate and the devastation of more than seventeen hundred families directly and thousands of other families indirectly, does not have our support,” the PPP had expressed in one of its missives on the matter.The closure of the Wales Estate is not yet settled, as some workers are still protesting Government’s withholding of their severance pay.Last year, the operations of the LBI Estate were amalgamated with those of the Enmore Estate in order to make both estates more efficient, according to GuySuCo. GAWU has noted that thousands of persons stand to be affected by the closure of this East Demerara Estate, which employs some 2,200 persons in the field, factory, security, administrative and managerial sections. “They and their families, among many others, stand to be affected by the harsh closure decision,” GAWU has stated. (Devina Samaroo)
Two years after the Los Angeles Police Department loosened its “zero tolerance” drug policy as it struggled to boost its ranks, city officials say they’ve hired six officers who have used hard drugs such as cocaine. Personnel officials are quick to note that’s less than 1 percent of the 818 officers who have been hired, and although the officers experimented with hard drugs as teenagers they later showed the good judgment and strong character required in a police officer. But the issue still has raised questions among some City Council members and police union leaders who worry the LAPD is on a slippery slope that could damage the caliber of the police force. “This is a massive, major change in the way we assess a candidate,” said Councilman Bernard Parks, who was an LAPD officer for 38 years and chief from 1997 to 2002. “Hard drugs in the background indicate integrity and character issues that, in my judgment, shouldn’t be allowed. If you don’t protect the standards you won’t have any.” AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREBasketball roundup: Sierra Canyon, Birmingham set to face off in tournament quarterfinalsThe LAPD defends its standards, citing its campaign to add 1,000 officers amid competition from sheriff’s and police departments around the country all vying for the same pool of candidates willing to work long hours in dangerous conditions for a starting salary of roughly $50,000. In that climate, the department must be willing to consider individuals who have experimented with drugs, said Los Angeles Police Commission President John Mack. “The reality is young people who would be a candidate in their twenties and thirties, there’s a high probability that they have had some drug use,” he said. While the Personnel Department, citing privacy concerns, declined to reveal the names of the six officers who have hard-drug use in their past, it said one took an amphetamine while in ninth grade, eight years ago. Another thought he might have been given cocaine but wasn’t really sure because he didn’t feel anything after taking it. One officer was 15 when he tried cocaine, but said he was so scared by the experience he never tried it again. Another was 15 when he tried cocaine, 23 years ago. “Someone 23 years ago tried cocaine. That’s a lot of time. That doesn’t condemn a person for the rest of his life from doing good things,” said Margaret Whalen, general manager of the city’s Personnel Department. “It’s very evident we’re not talking about people who are risky.” While the LAPD and the city’s Personnel Department long had maintained a strict policy that barred candidates who had used cocaine, heroin, amphetamines and hallucinogens – even once – times have changed. Drugs are more easily available and young adults more likely to have experimented. About 40 percent of adults ages 18 to 25 reported using illicit drugs other than marijuana at least once, according to a 2004 survey by U.S. Health and Human Services. The City Civil Service Commission adjusted its police officer hiring policies in 2003 to reflect that reality, and to give the Personnel Department more freedom to weigh such experimental drug use against an applicant’s other accomplishments such as community leadership, college or military service. The “whole person” analysis, as it’s known, is “more modern because this generation you have more people who have tried drugs versus the old ways where we’d throw you out if you tried hard drugs,” said LAPD Commander Kenneth O. Garner, who oversees hiring. “We’d have bare academy classes if we did that.” Garner said the screening and standards still are tough. Since 2001, the city has required polygraph tests for all candidates and those who admit to drug use are extensively questioned about the details. The department has no exact limit on what constitutes acceptable previous drug use; there is no rule that says you can use cocaine twice, for example. Rather, screeners consider the applicant’s age when they sampled drugs and how long or how many times drugs were used. Accelerated hiring drives in the late 1960s and early 1970s were blamed for some of the department’s most egregious examples of police corruption and brutality, including a 1983 case in which two officers were convicted of being contract killers. Later, the Christopher Commission – formed after the 1991 videotaped police beating of Rodney King – recommended more rigorous background checks to screen out problem recruits. In the mid-1990s the city’s Personnel Department and LAPD considered allowing candidates to have some past, experimental use of hard drugs in order to expand the applicant pool, but political leaders balked. But personnel and police screeners complained they couldn’t fill new academy classes and said strong candidates were being sidelined for trying a hard drug back in their early teens, even as they certified mediocre candidates who had minor problems all over their applications that weren’t technically significant enough to disqualify them. That led to the “whole person” analysis adopted by the Civil Service Commission in 2003. “We’d rather have someone with one big flaw that has gotten beyond that flaw, corrected it and had an exemplary life since then. Those are the kind of people we want to hire. The mediocre candidates we don’t want to hire,” Whalen said. Los Angeles is not alone. An increasing number of police departments have changed their “zero tolerance” policies on hard drug use, said Elaine Deck, program manager with the International Association of Police Chiefs. “The more we look at the people who are applying for these positions the more we recognize that a higher number of them have experimented with drugs, so we have to adjust our selection criteria to make reasonable choices.” Nevertheless, Parks and Councilmen Dennis Zine and Greig Smith – both reserve police officers – want the Civil Service Commission to reconsider the hiring policy. And Police Protective League President Bob Baker said rank-and-file officers are very concerned because drug use – even if it’s limited – can be a sign of poor coping skills and bad judgment. “When you go out on the streets you want to make sure you’ve got the best of the best that’s riding alongside you. That’s an obligation we have to the officers and the community,” he said. firstname.lastname@example.org (213) 978-0390160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
Florea Mihaela, aged 34, who was charged with prostitution. She had almost 6k in cashGARDAÍ have carried out more searches in a crackdown on Romanian crime gangs operating in Donegal.It follows the shutting down of three brothels operating from the same apartment block in Letterkenny in the early hours of yesterday.Six people – four of them prostitutes – appeared in court as a result of an extensive Garda operation. The four will fly out of Ireland on a 7.30am flight from Dublin to Budapest tomorrow morning, funded from cash seized by Gardaí.But Donegal Daily can reveal that investigations are continuing into a Romanian mafia gang in north Donegal involved in a range of criminal activities including prostitution, drug dealing, theft, people trafficking and money laundering.One search even took place just yards from where yesterday’s court case was taking place.Gardaí swooped on a car parked near Letterkenny court house as cases continued inside. Two men were searched whilst their car was “taken apart” during the operation. They were held for a time and investigations are continuing.“Gardaí seemed to appear out of nowhere,” said one witness.“The next thing I know they are going through this car like forensic experts, checking everything.”Last night’s court report is here:https://www.donegaldaily.com/2014/06/20/gardai-smash-romanian-sex-ring-operating-in-letterkenny-apartment-block/ MORE SEARCHES AS GARDAÍ LAUNCH CRACKDOWN ON ROMANIAN MAFIA GANGS was last modified: June 21st, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:donegalmafiaprostiutionRomaniasearches
A young Donegal footballer who has been in a coma in Spain for the past month after a fall has woken and asked “How are Brazil doing in the World Cup.”Oisin Merritt has awoken from his coma, and asked how Brazil are doing at the World Cup!!Oisin Merritt, 19, plunged from a balcony while on holiday with friends in Santa Ponsa on June 9th.At one stage the family of the Finn Harps Reserves player admitted that he was showing no signs of improvement and pleaded with people to pray for him. A huge online campaign began for the young man from Stranorlar.However, just a few days later Oisin’s pressure reading reduced which was a small but significant improvement in his condition.Today his sister Tara revealed that Oisin has made a miraculous recovery.And she revealed that the first words from the football-mad teenager where how his favourite team Brazil were doing! “Oisin started to eat and drink water for the first time yesterday afternoon and has continued this today.“Today Oisin started to speak and say his first words to me.“He is asking about the World Cup and how Brazil are doing, as he has a bet on!“He is looking for a TV in his room,” revealed Tasha.She said medics are saying that the young Irishman has been reborn. “He has a long recovery ahead, and doctors came in this afternoon to us and said he is like a second birth, born again that he is like a miracle.“Thank you everyone so much for your prayers and good wishes,” she saidOisin’s family and his girlfriend Josephine O’Neill have been by his bedside for the past number of weeks praying for him to recover.OISIN WAKES FROM COMA AND ASKS HOW BRAZIL ARE DOING IN WORLD CUP! was last modified: July 9th, 2014 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:BrazilDONEGAL STRANORLARfinn harpsOisin Merritt
DUNFANAGHY is booming, that’s the verdict of business owners and traders based in the area following a hectic Easter holiday period. The scenic seaside village is a notorious hot-spot for tourists and is regularly frequented throughout the year.However, there was a huge influx of tourists over the Easter holiday period and the majority of visitors to Dunfanaghy stayed on beyond the weekend. The town has been a hive of activity with bars, shops, cafes and restaurants packed out all week.Local hotels have reported an increase in bookings compared to last year and say they expect a very busy summer ahead.If the weather is as glorious as it has been all week during the summer it will add to the attraction.The beautiful beach in nearby Marble Hill has been mobbed all week while Ards Forest Park has also been very busy. The majority of visitors hail from Northern Ireland who own holiday homes in Dunfanaghy, and when the weather is as good as it has been it really is the prefect retreat for the family.One local said, “It’s absolutely brilliant to see, we’ve been lucky that at different periods throughout the year we get plenty of visitors to Dunfanaghy.“It gives a great boost to the local economy and because of this a number of new businesses have opened in the locality.“However, I must admit I couldn’t believe how busy the town has been all week, I knew it would be busy at the weekend for Easter, but by Monday I expected it to have quietened down considerably.“It was the opposite in fact, I think it must have got even busier, but it’s a great boost to everybody in the town and long may it continue.” Dunfanaghy has been used by many in the tourism industry as an example to other towns in Donegal to show the positive effects of promoting a healthy tourism trade can have on your local economy.BUSINESS BOOMING IN DUNFANAGHY AS TOURISTS FLOCK TO THE BEAUTIFUL SEASIDE VILLAGE was last modified: April 10th, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:BusinessDunfanaghyFeaturesnews
Red Bluff >> The Red Bluff Lady Spartans wrapped up the regular season Thursday night against the league-leading Pleasant Valley Vikings and fell 69-36 in a physical game.The Vikings dominated the first period, taking a 14-3 lead by the buzzer, but Kylee Kitchell and Maggie Winning found the net in the second to keep the deficit at 11 by the half, 25-14.The Spartans pulled within 10 in the third but that’s as close as they would get, with the Vikings leading 44-26 after three and going on a …
By Carol ChurchHomeowners should be sure file soon after the damage as there will be a time limit on the policy as to how long there is to file. When filing, ask how long it will be before an adjuster can come. Also ask what to do as far as repairs being made in the meantime and whether to obtain estimates for major repairs at this time.After the claim is filed, an insurance adjuster will visit the home to assess the damage. When he or she has completed his or her work, there will be more forms to fill out and submit. This is where lists and photo documentation will come in. Homeowners should be sure to keep a record of all phone calls and conversations during this process.If There Is a ProblemHaving serious damage to your home is a stressful situation, and few homeowners want to take the time and effort to go to bat against an insurance company. However, at times this may be well advised. Some may wish to consider hiring an independent adjuster to give a second opinion on the claim. This adjuster is paid by and works for the homeowner and helps ensure that he or she can get a full settlement. Insurance companies have dispute procedures that apply in this situation.Wait for PaymentOnce the homeowner and the insurance company have come to an agreement, a check will be issued. Laws in most states protect the homeowner from delays in payment.If the settlement is large, has been contentious, or there are any concerns, it may be wise to involve a lawyer before signing anything or accepting the payment.In some cases, the insurance company pays the mortgage lender, not the homeowner. This can result in delays and bank fees, but is done for the bank’s protection.Severe DisastersIf damage to the home was caused by a serious and wide-scale natural disaster such as a hurricane, tornado, or major flood, special circumstances may apply. Once a region has been officially declared a disaster area, numerous types of assistance go into effect. For instance, homeowners may be eligible for additional FEMA benefits that can help pay for damage not covered by insurance, or for a place to live while repairs are done. Special tax benefits may also apply. For more information, go online to www.DisasterAssistance.gov or call the toll-free FEMA Helpline at 800-621-3362 (FEMA).Special Circumstances for Military FamiliesWhat if belongings and possessions are damaged by a natural disaster or other problem while a family is in military housing? While some might assume that the military would reimburse for damages like these, this is not the case. It’s crucial to always have rental insurance when living in rented housing, just in case of catastrophic events like these. It’s typically far less expensive than homeowner’s insurance.Another important factor that’s important for service members to know about is vacancy clauses. Many homeowner insurance companies include a statement in their policies that they will not pay out for damages incurred to a home that has been left vacant for more than some certain specific period of time, in order to prevent having to insure vacant and abandoned properties.However, insurance companies do not typically wish to harm deploying service members and may well have a special endorsement available to military members in this case. If it’s likely a home will stay vacant more than 60 days, this is something to look into. Many insurance companies also offer discounts to service members.Having serious damage to a home is never easy or simple, but insurance does offer protection. At times, the repaired home will even be superior to what existed before.ReferencesHill, T. (2017). How to Make the Most of Your Home Insurance Claim. Retrieved from https://smartasset.com/mortgage/how-to-make-the-most-of-your-home-insurance-claimInsurance Information Institute. (n.d.) How do I file a homeowner’s claim? Retrieved from http://www.iii.org/article/how-do-i-file-a-homeowners-claimLake, R. (2016). How to file a homeowner’s insurance claim. Retrieved from https://smartasset.com/mortgage/how-to-file-a-homeowners-insurance-claimOchalla, B. (2017). When not to file a homeowner’s insurance claim. Retrieved from https://quotewizard.com/home-insurance/when-not-to-file-a-homeowners-insurance-claimProcter, B. Financial Recovery and Risk Management. Retrieved from http://extension.missouri.edu/publications/DisplayPrinterFriendlyPub.aspx?P=emw1022Waters, J. (2013). When not to file a home insurance claim Retrieved from http://www.marketwatch.com/story/think-twice-before-filing-home-insurance-claims-2013-10-16