General News
Crucial Points to Note when making fire insurance claims
Almost everyone who has suffered damages to their property as a result of a fire insurance claim makes costly mistakes during and after the settlement. However, there is one very costly mistake that policyholders make time and time again without even knowing it. Most policyholders simply rely on their insurance company adjuster to inspect, evaluate and estimate their entire insurance claim without checking up on them. This can be the most costly mistake anyone could ever make in their quest to sort out a fire insurance claim. While it is bad enough to have your property destroyed by fire, relying on someone else to visit your property, inspect it, provide a proper value and then trust that they got it all correct is to say the least unthinkable. Yet, policyholders allow this to happen all across the country, day-in and day-out. For most people it’ is human nature to diligently review their dinner bill to be sure the waiter didn’t charge them for items they did not order. This is quite common among people. Yet, when it comes to making hundreds of thousands of naira claims, most people rely on the insurance company to do it for them, sometimes without question.
The reason why extra care is needed is because no one knows your property like you do and there is much to do to properly prepare and configure a fire insurance claim that in most instances, items are forgotten or missed during the process. This is more so, if you rely on your insurance company to do it for you. Your insurer may not know about your building, your property, or your contents inside such as furniture, clothing, etc. Furthermore, just because an insurance company adjuster visits your property for an inspection does not mean they are a professional contractor, builder or certified in fire and water damage restoration as the case may be. So they cannot be wholly relied upon to do the right assessment. In filing insurance claims, experience has shown that, in most cases, both insurance companies and policyholders unknowingly miss damages that are hidden from the naked eye. In almost all instances, it is a good idea to have a professional review your fire damage claim. Preferably fire insurance claims consultant or a fire consulting firm. Policyholders often believe that when the insurance company sends them a cheque and they deposit the money in their bank account that the claim is closed. On the contrary, this is often not the case. So it is essential that a review of your claim be made to see if you have been properly compensated during the claims process or even after the claim has been settled. It is worthy to note that the insured can still obtain more insurance proceeds even if your claim has been settled or your building has been demolished, on the ground that they were not properly assessed. To properly guide the insuring public on fire claims, there are some issues that must be taken into account. In this connection, there are tips before the claims, at the middle of the claims or even after the claims have been concluded. During Claim -During the claims, it is important to document your building damage. Take the time to inspect and document the damages yourself. Take photos of all damaged rooms in your building. Take overviews of the room and then take some close-up photos of the damaged ceilings, walls, floors, windows, doors, etc. of that room as well. While taking a walk around the building, ensure that before entering the next room, closet, or hall, that you take an overview. This will be an easy way to organize which photos belong to which rooms. For instance, in taking an overview of a living room, take photographs of the area from top to bottom, photos of ceiling, walls, windows, doors as well as the floor. Closed Claim -In case of a closed claim, obtain documents of your building. The insurance adjuster may have already taken photos of your building during their inspection. If you have no photos yourself, then request to have copies of all photos taken by the adjuster from the insurance company. You should also request the diagram/sketch that they used to calculate the square footage of your building. Also request the complete detailed estimate they have written to arrive at their numbers. This documentation will be useful for the fire insurance claim consultant you may choose, if the need arises.
During Claim -Document your contents damage. After you have concluded the inspection and photo session, it may also be useful to visit each room and closet once again to do an inventory of the contents. Take an overview photo of each piece of furniture, pair of shoes, shirts, pants, etc, and write each item down on a contents inventory form. Similar to the way you have photographed and organized your building damage photos, you should do the same with your contents. For instance, take overview photo of living room and list all the items on each wall until you get back to the doorway you began from. This way items will not be missed or forgotten. Once the living room inventory has been completed, move to the next room and start by taking an overview photo of the room. This helps you to organize what room the contents were located. Closed Claim -Obtain documents of your contents damage. Note that the insurance adjuster has taken photos of your contents during their inspection so if you have no photos yourself, or minimal photos, it could be disastrous. You should also request the complete detailed contents inventory they have written to arrive at their numbers. 3. During Claim –At this stage, it instructive that you review your policy. Fire victims must take the time to review their insurance policy. You must know the basics issues such as how much coverage you have on your building. How much coverage you have for your contents, how much coverage you have to stay in a hotel or to rent a home or furniture. Surprisingly, many people don’t know this, especially as in many cases, the policy may have been damaged in the fire. If this is the case, there is a way out which is to ask your agent for a certified copy of your full policy. Closed Claim -Obtain copy of your policy. Contact your insurance company and request a certified copy of your "FULL" insurance policy, including the Declarations page. This documentation will be useful for the fire insurance claim consultant you choose.
During Claim -Since the insurance company will have an adjuster who will inspect the property, inspect the damages and complete an estimate on the amount of loss, then it is important that you have the same process completed for yourself. So, learn to consult a professional yourself to checkmate the activities of your insurer and the adjuster. Closed Claim – If you have collected all the data as outlined above, you will have enough data on your claim to assist your hired professional to review it. A review of your claim will allow the fire insurance claim consultant to advise you appropriately. Not doing these may lead to a situation where the fire victim would be cheated out. This is especially so as the insurance company adjuster works for the insurance company, whereas the fire claims consultant works for you.
General News
Court Jails ‘Colonel’, ‘Major’ of Global Money-Laundering Ring

A “colonel and a major” in a “worldwide highly sophisticated money-laundering syndicate on a breathtaking scale” have been jailed for nine years and 7 and half years respectively.

Ejike Francis Ogbuefi (42) of Clonard Road, Crumlin, Dublin 12, and Steven Silvester (32) of the Paddocks, Morristown, Newbridge, Co Kildare, were both convicted of directing the activities of a criminal organisation following a trial at Dublin Circuit Criminal Court in February.
Ogbuefi was also convicted of 32 counts of money laundering and seven of conspiracy to launder money.
The jury also convicted Silvester of five counts of money laundering, two of attempted money laundering, four of conspiracy to launder money and one of using a false instrument.
Both defendants had no previous convictions here or in another jurisdiction.
The court heard that both men were assessed to be above mule herders and money mules in the operation, with Ogbuefi having a more active role.
During the sentence hearing, Judge Martin Nolan suggested to the investigating garda that the men were a “colonel and a major”, which Det Garda Steven Kelly agreed with.
Imposing sentence on Friday, the judge said both men were involved in the offending and played certain roles.
He noted that the scheme’s ambition was to “get accounts to launder illicit monies” which were “undoubtedly the product of criminal behaviour” and that third parties unknown to the court suffered as a result.
“Both men were reasonably experienced in how the banking system works” and aware of its weaknesses which they tested, sometimes successfully, the judge said.
The judge said he had considered the mitigation and there was a “good chance” the men would not reoffend in future, but that the court could not be certain.
The judge noted that money laundering is a “serious problem” and the court often dealt with cases of people who provided their bank details to be used in these schemes.
“These bank accounts are absolutely necessary for all fraud, because monies have to come to earth somewhere,“ the judge said, noting that the defendants’ main role was to procure bank accounts so that money could be sent to others who profited.
He imposed on Ogbuefi a sentence of nine years and imposed a 7½ year sentence on Silvester, whom he considered to be at a lower level.
Kelly told Seoirse Ó Dúnlaing, prosecuting, that the Garda investigation looked at various bank accounts, transactions and online communications.
Evidence suggested both men were receiving requests, often from phone numbers in Nigeria, to launder money from different types of frauds.
Kelly agreed with Conor Devally, defending Ogbuefi, that his client is from Nigeria and his family is law-abiding.
Garda Kelly agreed with Maurice Coffey, defending Silvester, that his client became involved in this criminality some time after his arrival in Ireland in 2015 and had no record of shopping in high-end stores or trappings of wealth.
It was also accepted that Ogbuefi appeared to have a more active role than Silvester.
Defence counsel told the court their clients accepted the verdicts of the jury and were remorseful.
Testimonials were handed to the court on behalf of both men.
Mr Devally asked the court to view Ogbuefi as being “appointed to a position of local authority in a wider organisation”.
Mr Coffey said Silvester was under pressure and desperate at the time.
He asked the court to consider that his client did not come to Ireland to get involved in this offending, but fell into temptation at a time of vulnerability.
General News
Activist Warns against Rising Junk Food Culture in Nigeria

Nnimmo Bassey, environmental activist and food sovereignty advocate has raised concerns over the growing influence of junk food culture and global food politics on Nigeria’s food systems.

Nnimmo Bassey, environmental activist
Bassey warned that the increasing consumption of highly processed foods poses serious risks to public health, cultural identity, and national food security.
He made these remarks on Thursday while speaking at the Sustain-Ability Academy lecture on Food, Power and the Politics of Hunger, organised by the Health of Mother Earth Foundation in collaboration with the University of Port Harcourt.
“Food is not just for sustenance; it is central to our identity, our relationships, and our traditions,” he said.
He explained that traditional diets reflect the diversity of Nigeria’s ethnic groups and have historically fostered unity within communities.
Bassey traced the evolution of food systems in Nigeria, highlighting how colonialism, commerce, and conflict have reshaped local diets.
He referenced the Nigerian Civil War as a turning point when food was weaponized, leading to widespread malnutrition and long-term dietary changes, particularly in the Eastern region.
The activist criticized the rapid rise of fast food consumption, describing it as a product of modern society’s demand for instant gratification.
According to him, fast food outlets use sensory stimulation, bright lighting, loud music, and constant visual entertainment to distract consumers from questioning the nutritional value of what they eat.
“People leave with more than just a full stomach, they carry heavy metals, artificial colourings, and harmful substances in their bodies,” he said.
Bassey also expressed alarm over the increasing presence of genetically modified organisms (GMOs) in Nigeria’s food system.
He argued that such products, often introduced without sufficient scrutiny, could have long-term health and environmental consequences.
He further cautioned against the role of political leaders in normalizing unhealthy consumption patterns.
“When top politicians publicly consume junk food and sugary drinks, they send a dangerous message that such habits are acceptable or even desirable,” he said.
At the heart of his argument is what he described as “food colonialism” a system driven by global power dynamics, where economic pressures, debt, and cultural influence shape local food choices to benefit multinational corporations at the expense of local farmers.
Bassey called for a “decolonization” of food systems across Africa, urging governments and citizens to prioritize indigenous foods, protect seed-sharing traditions, and resist policies that undermine local agricultural practices.
He also challenged prevailing narratives around hunger, questioning whether food insecurity is truly a result of low productivity.
“In countries like Nigeria, nearly half of all food produced goes to waste. The issue is not just production, but distribution, policy, and power,” he explained.
The session concluded with a call for urgent reforms to ensure fairness, resilience, and sustainability in food systems, with a focus on supporting smallholder farmers and addressing the structural causes of hunger.
General News
Gartner Forecasts Surge in AI-powered Public Services

At least 80% of governments will deploy artificial intelligence (AI) agents to automate routine decision-making, enhancing efficiency and service delivery by 2028.

This is according to market research firm Gartner, which highlights a growing shift toward digital governance, where AI-powered systems will increasingly handle repetitive administrative tasks, such as processing applications, managing public records and responding to citizen queries.
“Government chief information officers are under growing pressure to embed AI into decision-making capabilities rapidly and responsibly,” says Daniel Nieto, senior director analyst at Gartner. “The rise of multimodal AI, alongside conversational and agentic systems, has expanded what public organisations can automate, understand and anticipate.”
The Gartner report comes as South Africa is moving to embed AI into public administration, with early use cases emerging across service delivery, disaster response and internal operations, even as full-scale deployment of autonomous “AI agents” remains some years away.
The country’s National AI Policy Framework, released in 2024, has set the direction for adoption, with a comprehensive national policy expected by 2027.
Implementation is likely to follow from 2027 onwards, positioning the country for a more structured and regulated rollout of advanced AI systems across departments.
While South Africa has yet to deploy AI agents at scale, government and research initiatives indicate that agent-like systems are already taking shape.
Global use cases
Globally, governments are rapidly deploying AI agents to automate public services and internal operations, shifting from simple chatbots to systems that can execute tasks and coordinate workflows.
In the US, federal and city agencies are using AI agents to handle citizen queries, draft documents and manage call centres, while in China, autonomous systems are being integrated into administrative processes and urban management.
European governments are piloting AI-driven tools in policing and public service delivery, and in emerging markets, agentic platforms are being used to improve disaster response, financial inclusion and digital identity systems.
However, Gartner notes that fragmentation is one of the most persistent barriers to AI value in government.
According to a Gartner survey of 138 respondents from government organisations worldwide between July and September 2025, 41% of respondents cited siloed strategies and 31% cited legacy systems as key challenges to adopting and implementing digital solutions.
“Technology modernisation alone has not resolved these issues,” says Nieto.
The market analyst firm says as AI transitions from experimentation to being deeply embedded in decision-making, governance approaches must also evolve. It points out that traditionally, AI governance has centred on managing models, data and algorithms.
However, it states that decision intelligence (DI) shifts this focus towards the governance of decisions themselves; for example, on how they are designed, executed, monitored and audited. This shift in governance is especially critical in government, where public legitimacy relies on transparency and fairness, the firm explains.
Measurable impact
The Gartner survey found that 39% of respondents cited improved service and citizen satisfaction as primary reasons to invest in building citizen trust.
The firm notes that DI offers a structural foundation for operationalising this trust by making decision pathways explicit and auditable.
“By governing decisions, rather than just isolated AI components, governments can better balance automation with human judgement, particularly in high-stakes or rights-impacting contexts,” says Nieto. “Regulated industries and governments cannot rely on opaque ‘black box’ systems for consequential decisions. DI elevates explainability from a technical requirement to a governance imperative.”
Because of the need for transparency in decision-making, Gartner predicts that by 2029, 70% of government agencies will require explainable AI (XAI) and human-in-the-loop (HITL) mechanisms for all automated decisions that impact citizen service delivery.
Gartner explains that XAI and HITL designs are foundational to public-sector DI. These mechanisms ensure decision logic can be inspected, explained and challenged. Because of XAI and HITL, humans also retain authority over exceptions, appeals and high-risk cases, and accountability is preserved even as automation increases, it adds.
While efficiency remains important, Gartner says citizen trust in government’s ability to provide effective services is becoming a key driver of digital transformation. Fifty percent of government respondents cited improved citizen experience as one of their top three priorities.
“As AI and decision intelligence increasingly automate and streamline service delivery, the traditional notion of ‘citizen experience’ evolves,” says Nieto.
“When citizens receive what they need from the government automatically, direct interactions may decrease, making trust in the system’s reliability, fairness and transparency even more critical. Because trust is so imperative in these situations, the predictive capacity to anticipate potential needs could reshape how government digital services are delivered.”
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