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Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure. Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose. Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers. Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death. Mesothelioma treatments and Mesothelioma clinical trials and tests There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques. Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising. Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm. A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body. A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells. A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis. With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests. At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims. Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients. Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers. About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.

You never really know what it is like to repair or rebuild your home after a claim until you've lived through it. People often question where the cost of reconstruction or the insured dwelling value comes from. This question is especially perplexing when someone has just built a new home and their insurance value comes out higher than the actual cost of the new construction. Here's a really easy way to understand the difference between insured dwelling value or reconstruction cost on your dwelling home insurance compared to construction costs in normal circumstances, like having a contractor build a new home. Have You Ever Had to Clean Up a Really Big Mess? A home insurance claim is just that, a really, really big mess. If you have never lived through a claim, you get this sense that you're insured, so if anything happens you'll be okay. In a way, this is accurate, but the perception that everything will suddenly be okay couldn't be farther from the truth. To understand why reconstruction cost or the amount of insurance on your dwelling seems high, you need to get into the mindset of understanding what really happens in a claim. Your Home Insurance Has to Provide Enough Coverage for All the Rebuilding Costs Regardless of the cause of damage, first understand that damage causes a big mess. Whether it is water damage soaking into your walls and floors, a big hole in your roof, tornado or windstorm damage, or a fire causing not only fire damage but water damage as well. All of it is messy. Now forget about the actual mess, what happens to you in this claim is even worse, you have to rearrange your whole life around this mess. You have to have all kinds of strangers in your home: experts to evaluate what they will do to fix the problem and rebuild. You don't want to shop around and find the best price; you want an emergency crew to drop everything they are doing and come to your rescue. Then you need to have people come in and clean up the mess before you rebuild. This is where the cost of debris removal comes in and more emergency contractors. Once the mess is contained, things are patched up and the work of rebuilding things the way they were before starts. Materials need to be found; workers need to be hired, and all of this needs to happen fast because you want to be back in your home, with all the things you need around you as soon as possible. Why Insured Value is Different than the Value You Paid to Build Your Home This is probably the most difficult question for people to understand when there is a discrepancy between the insurance value and the price a person just paid to build a home. The difference between construction cost, where a contractor takes his time to negotiate prices on materials and builds things in their entirety on a planned timeline, and reconstruction cost of a home after a disaster is totally different. When calculating reconstruction cost or dwelling value, the insurance company knows that there is urgency in the need to get work done and to find materials. There is no time to shop around for several months to find deals and sales on everything you need to be done. Or to get your guy who charges you half the price on things to become available. You also cannot wait several months for it to be convenient for someone else to work on their schedule, you need people in there ASAP to get your home back in order. Covering the Cost of the Mess vs. Having the Insurance Company Cover It In a claim, believe me, you will be so appreciative of the expedited service you receive that you will have no problem with the fact that you insured your home properly. Where you will have a problem is if the money runs out before you're done building your home. What Kinds of Claims Specialists Are Involved in Reconstruction vs. Building New People don't give a lot of thought to this factor, but the kind of specialists required to rebuild or reconstruct things are specialized. It is much more difficult to put the pieces together than to start with a fresh slate. In addition, builders often work on specific schedules with pre-set plans, in the case of a rebuild, you will be asking for a custom job because the damage that will occur will be very specific to your situation. Reconstruction specialists and after disaster contractors Architects may be needed Mold specialists and people with experience in controlling damage after water losses Various contractors and specialists for the different needs of your home Debris removal people, and storage people who will take any items that are salvaged into safe storage. You may need special landscaping work following the loss depending on what kind of damage occurred What Kind of Coverage You Need to Make Sure Your Home Is Not Underinsured If you want to make sure the insurance company covers the full cost of your claim and is able to put you in the same position as you were in before the loss or damage happened, then you need to insure your home to value, which means not the real estate value or tax value, but the reconstruction value based on an insurance appraisal or calculation. You also need to understand the coverages you choose and the basis of claims settlement. Dwelling Coverage Options You have choices as to what kind of coverage you purchase as part of your home insurance policy. Ask your representative about: Inflation Protection Clauses Guaranteed Replacement Cost Extended Replacement Cost Replacement Cost Value With No Obligation to Replace: Cash Out Option. This kind of coverage is generally offered on higher valued homes, custom homes or older homes. It becomes important when the materials used in rebuilding may not be readily available or if construction standards have changed dramatically since the original construction of your home. This coverage can be a tremendous advantage if you suffer a major loss and would rather just take a cash settlement worth the value of your home and rebuild or buy a new home elsewhere, among other possibilities. Actual Cash Value (ACV): Beware! Actual Cash Value is not the same as the cash out option since Actual Cash Value is a depreciated value, probably the least favorable of all insurance options in terms of what you get in a claim. Be very careful if you have an older home (or any home for that matter) that you don't take a policy that has the basis of claims settlement as actual cash value unless you would be content with being paid an amount that would NOT rebuild your home. If the company you are insuring yourself with does not offer the kind of coverage you want, make sure you shop around. Every insurance company has it's specific target markets, and you could gain thousands of dollars on your home insurance claim payout if you buy the best policy available. You will also save yourself a lot of grief when you rebuild after a claim. If You Disagree With the Dwelling Value of a Home Appraisal Report Most people find it hard to believe the value to rebuild their home is as high as it is. The information we covered here should give you good insight into why reconstruction is different than real estate value or the cost you could sell your home for, it should also explain why rebuilding after a loss is completely different than building new, but if you are still not convinced, it is possible that there is some room for review by the insurance company, or that someone made a mistake in the calculation. Understanding how the reconstruction cost for the purpose of insurance is determined will help you negotiate better with the insurance company. If you feel your building is underinsured or possibly insured too high, you now have all the information you need to strike up a conversation with your insurance representative and make sure your coverage is exactly what you need.

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