Title Insurance Simplified

One of the largest investments you’ll make is buying your dream home which can also be a decision that can have impact on your future finances. It’s quite necessary to know ow to protect your investment from potential title issues. The NAIC or the National Association of Insurance Commissioners brings some light to this topic:


What is title insurance about?

Title insurance is an insurance policy that can protect real estate owners and lenders from financial loss if title problems arise after buying or refinancing a property. Possible dilemmas may include lost or incorrectly filed deeds, property access issues and so on.

For instance, if there is an unpaid mortgage on the property you just bought, you may be held liable. Without title insurance, you might have to settle a dispute by paying legal costs. Losing a dispute could cost you not only your money but also the equity you have in your home and perhaps even ownership. Title insurance is mainly designed to cover legal costs to settle the dispute.


Where can I buy title insurance?home

A title insurance can be bought from a title insurance company or a title agent. You need to make sure that they are licensed to do so. In some states, lawyers are allowed to sell title insurance and their opinion can be a substitute for title insurance.


What are my rights?

You are not really required to go for the suggested title company or closing agent. You have the right to choose the best title insurance company for you. You can do some price comparisons but you still need to search for licensed title companies. Make sure to ask the right questions such as the fees and the separate charges. You can also try to ask if you can get any discounts.

Some title insurance companies may be affiliated with lenders or home builders. You can ask the person making the referral if they have any affiliations with the recommended title insurer.


house2 Types of Policies

An owner’s policy protects you  if a title issue arises after you buy your home for the full price of your home plus legal costs. This policy is issued for the price you paid for your home, and will cover you as long as you have an interest in the property. It’s not a requirement to purchase an owner’s policy.

A lender’s policy only protects the lender if a title issue is met after the property is bought. It is issued for the mortgage amount and as you pay down your loan, the coverage decreases. This policy ends once you pay off your mortgage. You would likely purchase this type of policy if you borrow money to buy a property.

So, the next time you plan to buy your own house in the future, keep this policy in mind to protect what you worked hard for.

If you want a more visual explanation of what Title Insurance is, check out the following video:

E. coli & The Important Facts You Should Know!

“The bacterium Escherichia coli (E. Coli) takes about twenty minutes to divide. So after one hour, one E. Coli cell has turned into eight. After only six and a half hours, there will be over a million bacteria!”  ― Jennifer Gardy


E. coli. We’ve heard about that nasty bacteria in most incidents or outbreaks that are related to food poisoning. We simply know it’s something that contaminates our food and give us some devastating conditions.

But, little do we know about its details and where it comes from. So, here are some interesting facts about E. coli.

Discovered in 1885


Escherichia coli  or E. coli was first discovered by German bacteriologist Theodor Escherich in 1885. Because it was found in the human colon, it was called Bacterium coli and was found responsible for infant diarrhea and gastroenteritis. Its name was later changed to honor its discoverer.


Responsible for Foodborne Illness


One of the most common causes of foodborne illness in the U.S. According to data from the Centers for Disease Control and Prevention, about 265,000 people each year are affected.


Infection thru Contamination


Infection starts when you swallow microscopic feces that can get them from contaminated food. In some outbreaks, raw produce, raw milk, soft cheese, and unpasteurized apple cider are among the common culprits. Handling a dirty diaper or eating food prepared by someone who has a bad hygiene habit may contaminate you as well.


Anyone’s At Risk


Yeah, anyone. No one’s an exception and we can become infected by this deadly bacteria anytime. The most vulnerable ones are young children and the elderly who have been reported to suffer from severe symptoms such as diarrhea, pneumonia and on rare occasions, can cause bowel necrosis (tissue death).




Most common symptoms would be: severe abdominal cramps, diarrhea that  turns bloody within 24 hours, and sometimes fever. These symptoms might show within 3 to 4 days. An uncomplicated illness can range from one to twelve days. Others can develop a complication called hemolytic uremic syndrome (HUS) which can lead to acute kidney failure.




Most medical labs and doctors know how to diagnose this kind of bacteria especially if the patient is suffering from bloody diarrhea. A stool specimen would be a good way to determine the existence of the particular bacteria.




Antibiotics are not the solution and according to some medical research, it can increase the risk of HUS. There is no specific therapy to stop symptoms. It’s recommended to stay attention to nutrition ad hydration. Most individuals who don’t develop HUS recover in two weeks.


Prevention is Better Than Cure


To prevent you and your family from getting infected, you need to practice proper personal hygiene. Wash your hands thoroughly before or after doing activities that might get you traces of bacteria such as going to the bathroom or preparing food. Sanitize all domestic or local fruits and vegetables. Anything can be a carrier.



Food Poisoning: The Basics

Many cases of food poisoning go unreported and most are resolved on their own.  Make sure that when you decide to eat out, you are going to a restaurant that has a good track record for the meals they prepare.



According to statistics,  there are at least 250 varieties of food poisoning and more of this has to be discovered. Approximately 68% of food-borne illnesses came from agents that are still unknown. It is a fact that microorganisms are continuously growing and adapting. Some says that these microorganism sometimes are already immune to the medication to fight against them.

You can sue a restaurant for food poisoning if you have enough evidence that supports your personal injury. If the specific food has identified during the investigation then you can have claims against the food manufacturer and the distributor. This article will give you information about restaurant liability. You should know about getting compensation from a restaurant for food poisoning. Yes, it is not easy to file a food poisoning lawsuit. The victim become ill days after eating contaminated food but this article will give you some basic information about a food poisoning lawsuit. Make sure to always consult first a food poisoning lawyer in Orlando, Florida to assist and represent you in your case.


It is very important that you consult a medical professional to know the specific pathogen that caused the food poisoning. This is the first thing that you need to do because the findings of the medical professional will serve as your evidence.


Bacterial pathogens: PFGE and/or WGS testing – If the illness is bacterial, isolates can be further tested to determine the “DNA fingerprint”. Health officials (often the CDC) do pulsed-field gel electrophoresis (PFGE) and whole genome sequencing (WGS) to find the DNA fingerprint. WGS also finds genetic markers indicating the geographic location of the source of the illness.


There may be a punitive damages claim if a restaurant was grossly negligent. Punitive damages can be significantly more than compensatory damages. There is a “gross negligence” if there was a pattern of blatant regulatory violations. Your attorney will need to present sufficient evidence to prove you deserve punitive damages. Punitive damages are amounts of money awarded to any food poisoning victim aside from medical expenses, lost income, emotional  and physical distress and other “compensatory damages.”

Here’s a video as a guide on how to treat food poisoning:

Things You Need To Know Before You Sue a Restaurant

What’s the most humiliating thing? When you take someone to dinner or you cook somebody dinner and they get food poisoning. I mean, how bad do you feel?  – Wendi McLendon-Covey


Food poisoning is a dreadful experience that could affect not only your life but also those around you. As soon as  you feel an extreme abdominal pain you would know right away that something’s wrong. A very terrible feeling indeed especially for the fact that you were the one who invited others to eat at a specific restaurant. (Yikes!)


If the investigation reveals that you have acquired that condition thru a specific food item, you could file a lawsuit against a grower, distributor and processor.


In this post, we’ll focus more on restaurants and what are the things that you should know if ever you sue one in the future.

Consult a Medical Professional


To determine what specific pathogen caused the food poisoning, a medical professional needs to be consulted. The following culprits might be: Campylobacter, E. coli, Hepatitis A, Listeria, Norovirus, Salmonella, Shigella, Vibrio and Hepatitis A. This is a necessary step in order to gather strong evidence to support your claims.


Needs PFGE Testing


Pulsed-field gel electrophoreses or PFGE testing can help investigators to find a close connection between the food and the affected people. This test determines if the bacteria that affected a group of people has the same DNA fingerprint which more likely suggests that it came from one source. For instance, if 10 people who got sick have the same match are also the ones who ate at the same restaurant.


Unknown Food is Still Equal to A Lawsuit


Even for the fact that the specific food responsible was not determined, a lawsuit can still be filed against the restaurant. It purely depends of the PFGE testing and epidemiological evidence which can give a strong connection to the said restaurant and its victims.


A Sick Employee Can Be The Cause


In some reported cases, a sick employee may transmit the illness straight on the food or any surfaces that can come in contact with the ingredients. Most menu items would undoubtedly be contaminated as a result of the handler’s poor practice of personal hygiene.


Hang On to the Leftovers


Leftovers can be a very valuable piece of evidence for it can be tested for the specific pathogens mentioned above. If you get sick after eating from a specific restaurant, you might want to keep the leftovers.


So, these are the possible things that you need to keep in mind if ever you unfortunately fall prey to food poisoning. Don’t let yourself and other people suffer just because of the negligence of a certain establishment.


The Centers for Disease Control says that there are 76 million cases of food poisoning in the United States every year, 350,000 hospitalizations, and 5,000 deaths. Is that a lot or a little? Well, it depends on how you look at it. – Marion Nestle




Types of Lawsuits for Food Poisoning

Every lawsuit results from somebody doing something wrong. If everybody did right, we wouldn’t need laws. 
Alan Dershowitz


Food poisoning has reached the headlines every now and then which resulted to a massive number of victims from this devastating event. A number of restaurants were shut down as lawsuits were fired at them.

Customers have the right to sue the particular restaurant, grocery and other food distributors according to the legal theories and the circumstances of their condition.

Now, let’s try to dig deeper about the possible legal theories that could support your claim if ever you encounter a food poisoning event.




A business has a duty to exercise reasonable care. It means that the establishment has a duty to maintain a sanitary environment and be extra careful in making or distributing food products. A negligence claim can be filed once you have proved that the distributor such as a restaurant has breached its duty by making contaminated food that made you sick. For example, a dirty kitchen and unsanitary storage method can be strong evidences.

To further support your claim, you need to verify that it was the particular establishment’s food that you have eaten and nothing else. Just the account of getting sick can put this claim into motion.


Breach of Warranty


Most states have implied warranties or minimum standards on products and the contaminated food which caused the food poisoning can create a violation of those warranties. The affected consumer can claim that the food did not conform to his or her expectation which doesn’t meet the minimum specifications.This could ultimately sue the establishment for breaching the implied warranty by producing food that is not fit for human consumption and unreasonably dangerous.


Strict Products Liability


Many states have forms of strict product liability laws. These can relieve you of any burden of requirement of showing lack of reasonable care.  You just need to prove and show some evidence that the contaminated food from the establishment was the root cause of your sickness. You can undergo some tests (PGFE) as strong evidence against the business which is the easiest way for your claim to be processed.


Possible  Damages Involved

The possible damages that can be incurred from an incident of food poisoning are the following:

  • Medical bills
    Lost income
    Huge expenses
    Emotional distress

In some rare occasions, a victim could experience some fatal complications which can result to death. The remaining family members of the victim may file a wrongful death claim against the establishment.


Class Action


If you are involved in a mass outbreak of food poisoning, you may be able to group together with the other victims and file a class action lawsuit. You consult with a lawyer to find out if there are any existing class action and if it’s advisable that you would join.