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When you make a fire insurance claim, an important part of the process is putting together a Schedule of Loss. That is a list of personal belongings (including the possessions of any family members residing in your home, but not including tenants) that have been damaged or lost during the fire. They may have been consumed by flames or suffered water or smoke damage.

Your insurance company or insurance adjuster may help with making your Schedule of Loss, but only you can be responsible for making sure that the list fully represents your belongings. Remember, no one else knows exactly what you had, so cooperate with people trying to help, but be prepared to make revisions. Covered belongings include things like furniture, clothing, electronics, and even food.

If you are dealing with a residential fire and insurance claim, it can be difficult to compile a list of everything lost or damaged. Working from memory alone is daunting, and while it’s true that you may be able to recognize items once you are allowed access to your home again, if it is a total loss, the insurance adjuster or restoration specialist probably won’t be able to identify every belonging for you.

Creating a Household Inventory Before a Fire
Although you hope you never have to go through a residential fire, they can happen for a variety of reasons, many of which are out of your own control. It makes sense for everyone to prepare in advance in case they have to make an insurance claim, but even more so if you live somewhere that’s prone to wildfires or similar risks.

A household inventory is a very useful tool for handling residential fire insurance claims. It’s a comprehensive list of your belongings made before any disasters occur, so you’re not left trying to remember or piece together all of your belongings in the aftermath of a loss.

Here’s how you can start creating a household inventory:

Create a detailed list of possessions;
Ask your children to contribute their own lists of belongings;
Include details such as the brand or manufacturer, even the serial number of electronics if you can find it;
Go through your home room by room;
Include copies or digital versions of receipts where possible: proof of purchase and purchase price are invaluable if you have to make an insurance claim later;
Include photos where possible, consider saving photos of large value items, or general room-by-room photos to the cloud;
Update your household inventory as you buy new things.
Keep a digital copy of your household inventory in cloud storage, or even just in your inbox, so that you can access it anywhere from your phone or computer. Having a digital copy means you don’t have to worry about losing the list if the worst should occur.

Making a Schedule of Loss After a Fire
Only an estimated 50% of all families have and maintain a household inventory. Many families who experience a residential fire will have to generate a Schedule of Loss after the fact. Use some of these tips to make the process easier on you and your family:

Start by compiling lists of belongings room by room;
Ask friends and family for help brainstorming lists;
Send a provisional Schedule of Loss to the insurer to get the claims process started, but don’t sign off on a final version until you are confident it is complete.
If you are making a residential fire claim, working with a lawyer or an independent insurance adjuster can make it easier to ensure that you are creating and submitting a comprehensive Schedule of Loss. However, compiling and verifying the list will largely be up to you. Consider making a household inventory just in case something happens.

Researchers from The University of Texas Medical Branch at Galveston recently discovered that alcohol can kill stem cells in the brains of adult mice. Brain stem cells, producing new nerve cell and effecting a lot in maintaining normal cognitive function, and this study will open a new insight to fight against chronic alcoholism. The researchers also found that stem cell responds differently to alcohol exposure in key regions of adult mice. For the first time, they claim that these changes are different for women and men. Relevant research results published in Stem Cell Reports.

Chronic alcohol abuse can cause many brain injuries and neurodegenerative diseases. Scientists used to believe that the number of nerve ones in an adult individual’s brain was determined in the early stage of life and that the best way for the treatment of alcohol-induced damage is to protect those stem cells that are still alive.

Ping Wu, the professor in the Department of Neurology and Cell Biology at University of Texas, said that this study found adult individual brains produce stem cells that create new nerve ones and thus provide a new way to approach the problem of alcohol-related brain changes, she also claimed, ‘However, before the new approaches can be developed, we need to understand how alcohol impacts the brain stem cell at different stages in their growth, in different brain regions and in the brains of both males and females.’

In this study, Wu and her colleagues used an advanced technique to label brain stem cells, and then observe how they migrated and developed into specific neural cell over time to study the long-term effects of alcohol intake on them.

Professor Wu claimed that long-term alcohol consumption will lead to the death of most stem cells, what’s worse, it will reduce the generation and development of new nerve cells.

Are you having trouble selecting the right adult diaper for you or your loved one? There is nothing wrong with feeling overwhelmed by this. Diaper decisions differ depending on different uses and preferences.

Therefore, it’s necessary to do your homework first because you’ll meet different styles, quality, and price tags in the market.

There are also diapers with adjustable sides or adult pull on, which can make everything more confusing. So how do you know a perfect choice? Read on to find out a few top tips.

The Diaper Style

Which style of adult diaper do you prefer? You may choose the underwear style/Pull up, or those with an adjustable style called briefs. If you or your loved one engages in more activities, pull-ups would be the appropriate choice. Conversely, adults who are less active or unable to move around on their own can use briefs.

Adults who can visit the washrooms can use pull-ups and put them on just like underwear. They are also convenient for travel as one doesn’t need to lie down to put them on or remove them.

Briefs are therefore ideal for homebound adults who depend on other people to take care of them.

How is the Leakage Condition?

A diaper’s leakage condition is one of the essential things to consider when choosing an adult diaper. Examine how much leakage occurs in a day, then the analysis will help you choose the perfect fit. It is also essential to go a trial and error approach to find the type that meets your expectations.

Consider purchasing products with high ratings or reviews and have some patience to test how it works on you. Also, check on your diet or determine whether your medicine causes the problem in the bladder. Consult your doctor if you notice anything you take in contributes to the issue.

In case your loved one uses several diapers in a day, and the leakage condition is still the same, it means that the diaper choice is wrong, of the wrong fit, low quality, or not absorbent enough to handle his/her condition.

Absorbency

So now you have determined how intense or mild the leakage condition is. This information should guide you in deciding how absorbent the diaper should be.

Some factors may influence this decision, including the size of a person, medical condition, how much they eat or drink, and so on-people who drink too much need highly absorbent or larger diaper types. Diabetic people urinate frequently, and therefore, less absorbent diapers can’t be the right choice for them.

People who are smaller in size, not diabetic, or who eat and drink less can use standard diapers. It’s also worth noting that absorbency is also a trial and error choice. You can always change a brand that doesn’t work well for you.

Price and Quality

Adult diaper options are extensive in the market, but the amount you’re willing to spend also counts. At the same time, the wide variety of options comes in different qualities. You can get a low quality, pricey type of adult diapers or get a suitable quality at a pocket-friendly price.

Some diapers are costly but give you value for your money. Therefore, research and trial and error can save you from overspending on something not worth the price.

Ensure that you have gone through customers’ reviews and opinions about a specific brand before investing in it. You’ll be safer this way.

Size and Fit

Just like it is for baby diapers, the size and fit factor also matter for adult diapers. If you select a smaller diaper than the person wearing it, you won’t have the right coverage. Similarly, if the diaper is too big, you run the risk of dealing with urine or fecal materials leakage.

When you’re looking for an adult diaper, make sure that you know the waist size. Different brands provide you with the sizing charts that will help you select the right fit. It is important to note that brand sizing differs, so make sure that you understand the product sizing before buying.

Material

Choosing the right material can be a hard nut to crack for many people. Adult diapers with plastic backing are great leakage protectors but quite bulky. On the other hand, non-plastic backed diapers, also known as breathable diapers, are less bulky and less leak-resistant.

Breathable types also allow more circulation of air, preventing issues related to diaper rash. This is the point where personal choice comes to play. If your leakage condition is so severe, consider a plastic-backed diaper, but trial and error may also apply in this case.

Consider the Skin Type

When looking for the right adult diaper, skin type is something that cannot be ignored. Consider the safety of the private parts together with the skin around them. Sensitive skin can be damaged by repeated contact with urine and fecal matters.