Property Damage & Disaster Restoration Blog: Long Island & New York City

Why Renovate With a 203K Streamlined Loan?

Posted on Mon, Sep 28, 2009 @ 02:19 PM

Because You Can!

I'll keep this very brief...


You are purchasing a home that needs minor repairs (repairs under $35,000 qualify for a streamlined loan). Incorporating the rehab into your mortgage payment allows you to have just one payment. Some highlights include:

  • Loan amounts up to 110% of the home's appraised value; renovation amounts up to $35,000.
  • No work write-up, no inspection required if repairs are less than $15,000 and no HUD consultant required.
  • There is no longer a minimum of $5,000 in repairs for a 203K Streamline.
  • On a 203K Streamline, up to 50% of the rehab amount can be requested immediately following the closing. After closing the work can start.
  • For a 203K Streamline, there is a maximum of 2 draws per contractor.
  • Loan can be used for many improvements, including repair/replacement of: roofs, plumbing, electrical, flooring, minor remodeling, windows, doors, etc.
  • Available for mortgage refinance transactions including those where the property is owned free and clear.

203K Streamlined Loans are available through HUD approved lenders. For more information on how Advanced Restoration can be your 203k contractor, please contact Gary Matzelle at (516) 903-4107.

Tags: foreclosure, 203(k) loan, mortgage, fha, advanced restoration, disrepair, rebuild, home repair, buying a home, 203k, hud, 203k streamline, rehab

From the White House to the Green House

Posted on Fri, Sep 25, 2009 @ 04:17 PM

From the White House to the Green House

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Chimney Fire Safety In Your Home

Posted on Fri, Sep 18, 2009 @ 12:53 PM

Source: NY State Office of Fire Prevention & Control

Chimney maintenance for wood burning appliances.

Chimneys are one of the most common locations of residential structure fires in New York State. The Chimney Safety Institute of America reports that creosote accumulation is the leading cause of chimney fires.

A chimney that is dirty, blocked or is in disrepair can inhibit proper venting of smoke up the flue and can also cause a chimney fire. Nearly all residential fires originating in the chimney are preventable.

An annual chimney inspection by a qualified chimney sweep can prevent fire or carbon monoxide poisoning.

To keep your home safe from chimney fires follow these guidelines.

Maintenance - Good maintenance is a very important step in preventing chimney fires!

  • Have your chimney checked every year by a qualified chimney professional.
  • Burn only well seasoned hardwoods.
  • Install a chimney cap.
  • Install a carbon monoxide detector.
  • Have your chimney sweep ensure that your chimney has an appropriate liner.
  • Following a violent storm, earthquake, flood or lightening strike, have your chimney inspected for damage - inside and out.

Prevention - Remember prevention is your best defense against fire.

If you have a wood or coal stove, be sure it is installed at least 36 inches away from the wall. Keep combustible materials well away from the stove and chimney connector. Place an approved stove board under the unit to protect the floor from heat and hot coals which might drop out.

Be Prepared - Know what to do in case of fire. If you suspect a chimney fire, evacuate your home and call 9-1-1


Advanced Restoration Corporation is a family-owned and operated full-service property damage restoration company with a combined 75 years experience in dealing with Fire Damage Restoration, Water Damage Restoration, Flood & Storm Damage, Mold Remediation, Smoke Damage Restoration and Reconstruction. We service Long Island (Nassau County, NY; Suffolk County, NY) and the New York Metro area.

When disasters strike, Advanced Restoration is ready to respond 24 hours a day, 7 days a week. You are guaranteed to speak with one of our knowledgeable, caring team members, day or night. Our immediate response to a claim/property loss helps minimize the damages to the structure, contents, and ease the sometime catastrophic effect that a disaster may have on an owner or occupants.

Tags: disaster, fire restoration, burn hazard, fire prevention, smoke damage, puff-back, advanced restoration, restoration, emergency service, home repair, fire protection, smoke restoration

USGBC Wants an Environmental Label for Every Building

Posted on Wed, Sep 16, 2009 @ 05:20 PM

USGBC Wants an Environmental Label for Every Building

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Green Drinks Babylon

Posted on Sun, Sep 13, 2009 @ 02:03 PM

A Force for the Sustainable Development and Future of Long Island.

Green Drinks Babylon is a monthly gathering of like-minded individuals committed to shaping our future and making Long Island a greener community. Come out and charge your eco-spirit and make some new connections.

Our 1st meeting is on Oct 14th, 2009 @ Horace & Sylvia's Publick House in Babylon, NY.

Signup for Free@ Green Drinks Babylon

For more info email me @ emartin@advancedrestoration.com

We have a lively mixture of people from NGOs, academia, government and business. Come along and you'll be made welcome. Just say, "are you green?" and we will look after you and introduce you to whoever is there. It's a great way of catching up with people you know and also for making new contacts. Everyone invites someone else along, so there’s always a different crowd, making Green Drinks an organic, self-organising network.

These events are very simple and unstructured, but many people have found employment, made friends, developed new ideas, done deals and had moments of serendipity. It's a force for the good and future of Long Island.

Find us on FaceBook.

Tags: babylon, green drinks, advanced restoration corporation, long island water damage, mold remediation, green construction, go green

Basement Flooding/Heavy Rains in NY

Posted on Fri, Sep 11, 2009 @ 05:25 PM

Source: Institute for Business & Home Safety

Heavy rains are pounding Long Island today, which will cause flooding throughout Nassau and Suffolk counties.

Basement flooding can be a problem in some homes, and there are steps to take to minimize potential damage. But since a flooded basement can result from a number of things, there is no single method for prevention. The most important things are to determine:


1) When is the basement flooding?

Does the basement flood every year at approximately the same time?
Does the basement flood during random intervals?

2) Where is the basement flooding?

If water is entering near the top of the wall in one location:

  • An improperly sloped landscape angled toward the house could be the cause.
  • Extend and re-direct the downspouts.
  • Reshape the landscaping around the foundation of the home.

Inspect the location where water is entering:
Caulk any cracks on the interior.

If the entire wall is damp or water is entering through multiple wall surfaces, this may be a sign of a faulty or missing water proofing membrane.

Remove soil around the foundation.

Hire a licensed contractor to install a waterproofing membrane.

Consider applying an internal sealant that can be painted on interior surface of basement walls:

This is not an option for finished basement walls.

These products require constant maintenance or they will stop working.
If the water appears to be entering the home near the foundation or through a floor drain:

French Drainage

One solution is to install a “French Drainage” system around the perimeter of the home or at least in areas subject to frequent flooding.

  • Remove the soil around the perimeter of the home.
  • Waterproof the foundation wall with a waterproofing membrane.
  • Install a French Drain at the base of the foundation:
  • Ensure that the drain has a method for diverting the water.
  • The drain should empty into the primary storm drainage system, a retention pond or other source.
  • Backfill the area with gravel to provide adequate drainage.
  • Install a sump pump with a battery backup:
  • This requires demolition of a portion of the basement floor.

To be effective, the sump pump needs to be hooked up to a drainage system, usually installed around the perimeter of the basement foundation, or at least in areas subject to repeated flooding.
Because this is installed at the perimeter of the foundation, the flooring in this area will also face demolition to install the drainage system.

Sump pumps should be tested at least once a year, preferably in the early spring.

Test the system if a storm is approaching.
Make sure the sump pit does not contain any debris that will clog the sump’s inlet pipe.

Pour water into the sump pit until the sump turns on (about 5 gallons of water). If the sump does not turn on contact a professional to diagnose the problem.


Advanced Restoration Corporation is a family-owned and operated full-service property damage restoration company with a combined 75 years experience in dealing with Fire Damage Restoration, Water Damage Restoration, Flood & Storm Damage, Mold Remediation, Smoke Damage Restoration and Reconstruction. We service Long Island (Nassau County, NY; Suffolk County, NY) and the New York Metro area.

When disasters strike, Advanced Restoration is ready to respond 24 hours a day, 7 days a week. You are guaranteed to speak with one of our knowledgeable, caring team members, day or night. Our immediate response to a claim/property loss helps minimize the damages to the structure, contents, and ease the sometime catastrophic effect that a disaster may have on an owner or occupants. Please call us with any questions at (800)693-6263.

Tags: disaster, floods, water damage, water damage restoration, mold, groundwater, advanced restoration, restoration, water extraction, restoration company, flood damage, moisture, water leaks, mildew

Ineligible 203k Streamlined Repairs

Posted on Wed, Sep 02, 2009 @ 04:09 PM

What items remain ineligible for the Streamlined (k) program?

FHA's Streamlined 203(k) program permits homebuyers to finance up to an additional $35,000 into their mortgage to improve or upgrade their home before move-in. With this product, homebuyers can quickly and easily tap into cash to pay for property repairs or improvements, such as those identified by a home inspector or FHA appraiser.

A question that has consistently come up over the past few weeks has been related to 203k streamlined repair exclusions.

Per HUDs' Mortgagee letter 2005-50, the following information will help identify what is not covered if you are applying for a 203k Streamlined loan.

Properties that require the following work items are not eligible for financing under the Streamlined 203(k) program:

  • Major rehabilitation or major remodeling, such as the relocation of a load-bearing wall;
  • New construction (including room additions);
  • Repair of structural damage;
  • Repairs requiring detailed drawings or architectural exhibits;
  • Landscaping or similar site amenity improvements;
  • Any repair or improvement requiring a work schedule longer than six (6) months; or
  • Rehabilitation activities that require more than two (2) payments per specialized contractor.

Mortgagors may not use the Streamlined (k) program to finance any required repairs arising from the appraisal that do not appear on the list of Streamlined (k) Eligible Work Items or that would:

  • Necessitate a “consultant” to develop a “Specification of Repairs/Work Write-Up”;
  • Require plans or architectural exhibits;
  • Require a plan reviewer;
  • Require more than six months to complete;
  • Result in work not starting within 30 days after loan closing;
  • Cause the mortgagor to be displaced from the property for more than 30 days during the time the rehabilitation work is being conducted. (FHA anticipates that, in a typical case, the mortgagor would be able to occupy the property after mortgage loan closing).

Advanced Restoration Corporation is a full-service restoration contractor with the ability and 203(k) knowledge to provide complete Rehabilitation & Restoration services to your new home!

For more information about 203(k) loans and partnering with Advanced Restoration, please contact Gary Matzelle at (516) 903-4107.

Tags: foreclosure, 203(k) loan, property damage, restoration companies, mortgage, fha, hud loan, advanced restoration, reconstruction, homeowner tips, home repair, buying a home, refinance, 203k

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