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

Burn Hazard Recall Alert:

Posted on Tue, Dec 23, 2008 @ 11:26 AM

On December 18th, the U.S. Consumer Product Safety Commission sent out a Recall Alert related to Chef's Mark Cookware sets.

Recall Alert
U.S. Consumer Product Safety Commission
Office of Information and Public Affairs
Washington, DC 20207

December 18, 2008Alert #09-714
Article Source: U.S Consumer Product Safety Commission

Fingerhut Recalls Chef’s Mark Cookware Sets Due to Burn Hazard
The following product safety recall was voluntarily conducted by the firm in cooperation with the CPSC. Consumers should stop using the product immediately unless otherwise instructed.

Name of Product: Chef’s Mark® 15 piece cookware sets
Units: About 9,000
Importer: Fingerhut Direct Marketing, of Eden Prairie, Minn.

Hazard: The handles on the cookware can break, posing a burn hazard to consumers.
Incidents/Injuries: Fingerhut has received six reports of handles breaking including three reports of minor burn injuries to consumers.

Description: This recall involves Chef’s Mark® 15 piece cookware sets with model number 515 and Fingerhut product code H6637. The model number and product code are printed on the cookware’s packaging. The non-stick cookware has red, green, black, blue or purple exteriors, black handles, glass lids and came with spoons, spatulas and ladles.
Sold exclusively by: Fingerhut catalogs and Fingerhut.com from January 2008 through October 2008 for about $80.
Manufactured in: China

Remedy: Consumers should stop using the cookware immediately and contact Fingerhut to receive a free repair kit. Fingerhut is directly contacting purchasers.
Consumer Contact: For additional information, contact Fingerhut toll-free at (866) 931-5417 between 8 a.m. and 5 p.m. CT Monday through Friday, or visit the firm’s Web site at www.fingerhut.com
---
The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from thousands of types of consumer products under the agency's jurisdiction. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard. The CPSC's work to ensure the safety of consumer products - such as toys, cribs, power tools, cigarette lighters, and household chemicals - contributed significantly to the decline in the rate of deaths and injuries associated with consumer products over the past 30 years.
To report a dangerous product or a product-related injury, call CPSC's hotline at (800) 638-2772 or CPSC's teletypewriter at (800) 638-8270, or visit CPSC's web site at
www.cpsc.gov/talk.html. To join a CPSC email subscription list, please go to https://www.cpsc.gov/cpsclist.aspx. Consumers can obtain this release and recall information at CPSC's Web site at www.cpsc.gov.

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Ice Storm: NY State Insurance Dept. Activates Disaster Hotline

Posted on Tue, Dec 16, 2008 @ 05:38 PM

The New York State Insurance Department just sent out a news release related its Disaster Hotline, which was activated due to an ice storm that hit multiple counties in upstate New York:

See below...

New York State
Insurance
Department
NEWS
RELEASE
Contact:
Public Affairs
(212) 480-5262

www.ins.state.ny.us

Eric R. Dinallo Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004
ISSUED 12/15/2008
FOR IMMEDIATE RELEASE

INSURANCE DEPARTMENT ACTIVATES DISASTER HOTLINE
The New York State Insurance Department today activated its toll-free Disaster Hotline to assist property owners affected by the ice storm that struck 16 Upstate counties and left thousands of New Yorkers without power, Superintendent Eric Dinallo said.
The Insurance Department's Disaster Hotline number is 1-800-339-1759. The hotline is staffed by personnel from the Department's Consumer Services Bureau on weekdays between 8 a.m. and 5 p.m.

"Consumers who have storm-related damage and are having difficulty dealing with their insurance company or understanding their coverage should give the hotline a call," Dinallo said. "We are available to help New Yorkers work through the claims process with their insurance companies in the event they need help."

Dinallo urged homeowners and business operators to make every effort to protect their homes and businesses from further damage. This includes reviewing insurance policies for important information related to electric utility interruptions. Coverage for power failure is generally excluded in a homeowners policy. However, coverage may be available for damage occurring during the restoration of electricity by such events as electrical power surges.

Commercial property policies generally exclude coverage for power or utility service failure if the failure occurs outside the premises. There may also be waiting periods in policies before business interruption coverage is triggered. It is important for these property owners to confer with their insurance agent to determine the extent of coverage available.

Following are some typical questions and answers consumers may find helpful:

What damage to your home is covered?
Damage caused by wind, wind-driven rain, trees or other falling objects, as well as the collapse of a structure due to the weight of ice or snow, is covered under most standard homeowner policies. The repair of pipes frozen as the result of extreme cold weather may not be covered if damage is due to negligence, such as failing to maintain an adequate temperature in the house.

What damage to your home is not covered?
Many policies do not cover losses of any type incurred as the result of a flood, costs associated with the removal of a fallen tree (unless the tree lands on your home), food spoilage expenses created by an off-premises power outage, and water damage resulting from backed-up drains or sewers. Some insurers offer endorsements (additional protection that may be purchased) for certain coverage not included under a standard homeowner policy. Consumers should check with their insurance agent or company to determine their needs.

What should I do after damage to a car or an accident?
Damage to automobiles due to falling ice or trees is covered under your comprehensive automobile insurance policy. In the event of an accident while driving on icy roads, call your insurance agent or insurance company with your policy number and other relevant information as soon as possible, although you have 30 days in which to report the accident. Be sure you cooperate fully with the insurance company and ask your agent what documents, forms and data you will need.

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Fire & Smoke Restoration Video

Posted on Mon, Dec 15, 2008 @ 05:08 PM

ADVANCED RESTORATION IN ACTION

Advanced Restoration Corporation, a full-service property damage restoration company, has been in business for over 20 years and provides complete Restoration and Reconstruction services across Long Island and the NY Metro area.

Our expertise includes all aspects of Fire & Smoke Restoration, Water Mitigation and Mold Remediation. The attached video represents the quality workmanship Advanced Restoration provides our customers on every completed project.

Our objective is to be a lifeline to clients and provide prompt, courteous and personalized service. To ensure we are meeting customer expectations and providing the highest quality service available, our project managers consistently communicate with a client throughout the restoration process. We also conduct a feedback survey upon the completion of any service.

Advanced Restoration is a member of multiple industry associations, including: NYARM, BOMA, PIA, YIP, IICRC, NARI, NIDR and RIA. We are licensed in Nassau and Suffolk County, as well as the five boroughs of New York City.

At Advanced Restoration, we are truly committed to Making Disaster Temporary and Restoration Permanent. Please contact us with any questions regarding our services at (800)693-6263.

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Going Green Around the Holidays

Posted on Tue, Dec 09, 2008 @ 03:19 PM

Every day, more and more Long Island businesses and homeowners are "going green" in order to provide a healthier environment for residents of Nassau & Suffolk County.

The world has a fixed amount of natural resources, some of which are already depleted. So as population growth greatly strains our finite resources, there are fewer resources available. If we intend to leave our children with the same standard of living we have today, we must preserve the foundation of that standard of living. Saving clean air, water, fuel sources and soil for future generations is essential, and everyone needs to start thinking green.

Some of the greatest threats to future resources come from things we throw away everyday. Household batteries and electronics often contain dangerous chemicals that may, if sent to a local landfill, leak through the bottom barrier and pollute the groundwater. This can contaminate everything from the soil in which our food grows, to the water which will eventually come out of aquifers and into our tap water. Many of these chemicals cannot be removed from the drinking water supply, nor from the crops that are harvested from contaminated fields. The risks to human health are tremendous and educating the public will help to alleviate those risks.

Simple ways to increase the energy efficiency of a home during the building or remodeling process include:

Lights
Turn off unnecessary lights , indoors and outdoors, to conserve electricity. Install lighting timers or sensors to automatically turn off lights when not needed.

High-Efficiency Heating/Cooling System
Installing high efficiency heating and cooling equipment also conserves electricity. Use programmable thermostats to minimize energy use, especially when no one is home.

High-Efficiency Windows and Appliances
High-efficiency windows reduce heating and cooling costs by minimizing the impact the outside environment has on a home.

Low-Water Consumption Fixtures
Low-consumption or dual-flush toilets, low-consumption or waterless urinals, and low-flow bathroom, sink and shower faucets all help to reduce water use.

Fluorescent Bulbs
Using compact, fluorescent bulbs use less power and last longer than conventional bulbs.

Advanced Restoration recently joined various green organizations and is looking to explore green relationships in New York with other business entities.

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Tis The Season: Christmas Tree Fires

Posted on Thu, Dec 04, 2008 @ 04:18 PM

Every year around the holidays, tragic stories hit the news media in New York related to Christmas trees that caught fire in a home or business. Taking simple precautions will help to prevent an unforeseen situation from occurring.

Preventing Christmas Tree Fires

Selecting a Tree
Needles on fresh trees should be green and hard to pull back from the branches, and the needle should not break if the tree has been freshly cut. The trunk should be sticky to the touch. Old trees can be identified by bouncing the tree trunk on the ground. If many needles fall off, the tree has been cut too long, has probably dried out, and is a fire hazard.

Caring for Your Tree
Do not place your tree close to a heat source, including a fireplace or heat vent. The heat will dry out the tree, causing it to be more easily ignited by heat, flame or sparks. Be careful not to drop or flick cigarette ashes near a tree. Do not put your live tree up too early or leave it up for longer than two weeks. Keep the tree stand filled with water at all times.

Disposing of Your Tree
Never put tree branches or needles in a fireplace or woodburning stove. When the tree becomes dry, discard it promptly. The best way to dispose of your tree is by taking it to a recycling center or having it hauled away by a community pick-up service.

Holiday Lights
Inspect holiday lights each year for frayed wires, bare spots, gaps in the insulation, broken or cracked sockets, and excessive kinking or wear before putting them up. Use only lighting listed by an approved testing laboratory.

Do Not Overload Electrical Outlets
Do not link more than three light strands, unless the directions indicate it is safe. Connect strings of lights to an extension cord before plugging the cord into the outlet. Make sure to periodically check the wires - they should not be warm to the touch. Do not leave holiday lights on unattended.

Holiday Decorations
Use only nonflammable decorations. All decorations should be nonflammable or flame-retardant and placed away from heat vents.

Never Put Wrapping Paper in a fireplace. It can result in a very large fire, throwing off dangerous sparks and embers and may result in a chimney fire.

Click here to view a Christmas Tree catch fire

Ensure working smoke alarms are installed on every level of your home, test them monthly and keep them clean and equipped with fresh batteries at all times. Know when and how to call for help. And remember to practice your home escape plan.

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Property Damage: Flooding/Water Damage

Posted on Tue, Dec 02, 2008 @ 10:00 AM

RECOVERING FROM FLOOD DAMAGE
Source: Disaster-Resource
By Pat Moore

The very recent horrific flooding situations throughout the United States and the rest of the world exemplify how disastrous extreme water damage can be. Along with the tragic loss of life came almost irreparable physical property damage.


DAMAGE ASSESSMENT
Until the water recedes, a proper and thorough site/damage assessment cannot be performed. Water and silt, associated with floods, can carry contaminants such as bacteria, heavy metals, pesticides, PCBs and hydrocarbons. In some cases, metals, including lead, chrome, cadmium, barium and mercury, along with maintenance chemicals, oils from mechanical rooms, waste oil storage or fuel oil tanks, paints, solvents, and house-keeping chemicals may also be present. When these and other unknown chemicals are found, specific procedures such as taking a complete physical inventory of each container and product segregation should be performed by certified, trained, hazardous material technicians. The water and silt must be tested and analyzed so that the proper health and cleaning protocols can be employed.

The affect of the water and silt upon the facility and its contents can be extremely detrimental. Mr. Ian R. Chin, SE, AIA an external consultant to BOMA (Building Owners and Managers Association), states that, "Many buildings affected by water infiltration can be exposed to loading conditions that they have never seen before, and possibly were not designed to withstand. After the water is pumped out, all structural walls, beams, and columns should be investigated to determine if water-related forces have adversely affected their structural capacity and serviceability. When existing conditions have been evaluated, the structural engineer should design repairs to provide immediate stabilization as needed, and to provide long-term measures to address distress conditions. Structural intervention must be coordinated with measures to address architectural, mechanical, electrical and environmental concerns in areas affected by water."

For example, the water’s ionic content, acidity, suspended solids and organic content should always be analyzed. Inorganic salts from building materials and atmospheric particulate matter can be deposited on exposed circuit boards. It is also important not to let the sediments in water settle on the equipment and then dry. When addressing water damage in a facility and to the contents of that facility, you need to review all the water variables which could exist, including total alkalinity (pH), total dissolved solids (TDS), suspended material, dissolved gases, pathogens, organic material, microorganisms, electrolytes, oil and chemicals.

ELECTRONIC EQUIPMENT RECOVERY
In most cases, de-energizing electronic equipment before exposure to water allows for successful restoration. Electronics, as well as finished products, should always be carefully examined and, if necessary, be tested by experienced technicians to make sure they still meet the manufacturer’s original operating and performance specifications, as well as general cosmetic appearance. If this equipment remains in a moist, humid environment, severe corrosion can occur within 48 – 72 hours. Emergency restoration procedures, such as removal of standing water, facility dehumidification, and corrosion control are crucial loss recovery factors in reducing damage to critical components of the facility.

It is possible to remove hundreds of gallons of water from thousands of square feet in a facility over a 24-hour period by dehumidifying moist air through the use of high efficiency refrigeration or desiccation techniques. Restoration specialists use dehumidification equipment in conjunction with overhead fire sprinklers and fire detection sensors to provide the maximum protection for expensive telephone switches or electronic data processing environment.

SICK BUILDING SYNDROME
In addition, where you have had standing water or moist, humid conditions in a facility for more than 24 – 48 hours, you must be concerned about the development and growth of mold and mildew spores. This affects not only the structure, HVAC systems and critical contents such as documents and magnetic media, but can produce sick building syndrome as well.

A proper and thorough damage assessment, performed by a certified industrial hygienist and decontamination of the HVAC systems is critical to insure the building will be returned to the proper criteria of clean for re-occupancy.

VITAL RECORDS RECOVERY
In addition to understanding and mitigating what water damage can do to a facility and electronic equipment, it is equally important to understand and mitigate not only what it can do to vital records, but the health hazards it might pose while attempting vital records recovery. During flooding, for example, sewage backup normally occurs. The typhoid bacteria can be present in sewage and therefore, in order to protect your resources that are assisting in the retrieval and restoration of the records, you will need to institute the proper health and safety procedures.

In the event of water damage, vital records can become a total loss very quickly. For example, chilled-water systems often contain glycol, which can adversely affect certain types of paper and magnetic media. Different types of documents, photographs and vellum items, as well as magnetic media, need immediate and extra-special care. Every effort should be made to reduce high temperatures and vent the areas as soon as the water has receded or been pumped out. Water-soaked materials must be kept as cool as possible by good air circulation until they can be stabilized.

Freezing and storing documents can buy you time to finalize arrangements for proper recovery. Although freezing itself is not a drying method - and does not kill mold - it definitely controls its growth if done properly.

Using proper hygiene methods, washing away accumulated mud, sewage and dirt must be completed prior to freezing to avoid additional damage. Do not attempt to pull documents apart while wet. Remove all documents in blocks, if possible, so you do not increase deterioration. Leave a space about the size of your fist in the packing box for proper air circulation. Once the documents are frozen and/or in cold storage, choose the proper drying method of either freeze-drying through sublimation or descicant drying. (It is important to point out that, depending upon the degree of water damage and volume of documents, both processes can require substantial time (generally a minimum of 7 - 10 days, and quite a bit longer in a regional disaster). In addition, check with your insurance company to ensure that your policy adequately covers the costs involved in restoring vital records. Typically, freeze-drying costs are priced per cubic foot of records. Determine whether your present coverage addresses the retrieval of data from the damaged medium. In addition to valuable papers’ coverage, you should research whether or not your business interruption insurance responds to a loss of vital records containing integral operational information.

MAGNETIC MEDIA RECOVERY
Due to the sensitivity of magnetic media, its successful recovery will require mitigation procedures of immediate and proper damage assessment, climate control, and proper handling and cleaning, generally within 72 – 96 hours of damage.

Improper handling of wet microfilm, such as allowing it to dry on its spool, can result in data loss as well. Keep silver or emulsion films wet in clean cold water and immediately contact your microfilm service bureau or film-processing lab to mobilize recovery operations. It can be assumed that the archival quality of microfilm has been compromised once it has been restored, and therefore you will always want to duplicate these records, and store the originals off-site.

Documents exposed to hazardous contamination cannot be moved or handled, except by trained and certified hazardous materials decontamination specialists. Clearance testing, performed on the records, will also be necessary before they can be released.

FINE ARTS RECOVERY
You must also consider the protection of any type of fine art that is housed in your facility. For example, the value of paintings in your Chairman’s offices or on loan for a special exhibit in your facility, can far exceed the sum total of the physical premises, its contents and inventory. Gordon Lewis, a fine arts restoration specialist with the Fine Arts Conservancy, West Palm Beach, Florida states that " in twelve to forty-eight hours, water will migrate to the interior of art on paper, damaging the sheet and image and creating the opportunity for overwhelming mold outbreak. Paintings and furniture can develop serious mold damage in the same time frame. Paintings, when exposed to water or saturating humidity, can flake away from their canvas upon drying (six plus hours). Rare books absorb saturating humidity, expanding and warping with irreversible damage to spines and bindings within twenty-four hours. Today there are sealed systems or microclimates which are suitable both for paintings and works of art on paper and can totally encapsulate the object without the system itself being visually seen". Lewis also cautions us on understanding the importance of art conservators directing a fine art pack out of a damaged building, and that in most cases, improper handling of fine art can cause more substantial damage than the damage event itself.

Through preparedness, training and mitigation, we can greatly reduce the billions of dollars being spent today on trying to salvage flood damaged homes and businesses.

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What is Thermography?

Posted on Tue, Nov 25, 2008 @ 10:01 AM

Many restoration contractors will use a thermal imager following a water loss to determine the damage sustained to a property structure. Thermography, the use of a thermal imager or infrared (IR) camera to capture an image of the surface temperature of objects, is used in a variety of industries to detect problems that show up as temperature differences.

First of all, it is important to understand that an IR camera is not a moisture meter. It is a thermal-imaging camera that detects temperature differences. Where there is elevated moisture in or on interior building materials, there is usually evaporative cooling. If necessary, the building can be modified to enhance evaporative cooling. Since evaporation lowers the temperature of wet surfaces, the IR camera can easily and quickly locate suspect areas needing further investigation. Both the IR camera and the moisture meter are needed to perform a building moisture investigation. So, after the IR camera locates an anomaly, a contractor can verify the presence or absence of moisture with a moisture meter.

A trained thermographer can scan a room and check questionable areas more timely than using less effective techniques. Water damage calls for fast responses, especially when dry downs are an operation. Using an IR camera significantly reduces inspection times, resulting in reduced labor costs. The same thing applies to monitoring the drying process. It would take a lot of time to check every square inch of an area you are drying and you can easily miss areas of moisture. On the other hand, the IR camera can quickly show an individual the progress of the restoration and where to focus your drying efforts.

Insurance companies are always focused on keeping their customers satisfied to ensure policy retention . When property claims are made, insurers are concerned about paying a fair and equitable price for the work that needs to be performed under the terms of the policy, which is good business. Insurance adjusters are charged with having to determine how coverage applies to each loss. Generally, they are not experts in the field of restoration.

Insurance carriers rely on good documentation to establish the scope of the loss and the appropriate need for equipment and labor. One of the many benefits of IR technology for the insurance company is pictorial documentation covering the scope of the loss and the need for equipment. The restorer can document when the property is dry and remove equipment at the appropriate time. That documentation can then be submitted to adjusters to document their file, allowing them to close files faster and only pay the appropriate amount for restoration.

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Frozen Pipes in Your Home!

Posted on Fri, Nov 21, 2008 @ 12:38 PM

Although Winter officially begins on December 21st, the New York Metro area has already posted FREEZE WARNINGS during overnight conditions.

Homeowners in need to start thinking about the possibility of pipes freezing in their homes and how to prevent property damage, including water damage to a structure.

Preventing Frozen Pipes
Before the onset of cold weather, prevent freezing of water supply lines and pipes by following these recommendations:

Outdoor
Drain water from swimming pool and water sprinkler supply lines following manufacturer's or installer's directions. Do not put antifreeze in these lines unless directed. Antifreeze is environmentally harmful, and is dangerous to humans, pets, wildlife, and landscaping.

Remove, drain, and store hoses used outdoors. Close inside valves supplying outdoor hose bibs. Open the outside hose bibs to allow water to drain. Keep the outside valve open so that any water remaining in the pipe can expand without causing the pipe to break.

Water Supply Source
Check around the home for other areas where water supply lines are located and are in unheated areas. Look in the basement, crawl space, attic, garage, and under kitchen and bathroom cabinets. Both hot and cold water pipes in these areas should be insulated. A hot water supply line can freeze just as a cold water supply line can freeze if the water is not running through the pipe and the water temperature in the pipe is cold.

Insulation
Consider installing specific products made to insulate water pipes like a "pipe sleeve" or installing UL-listed "heat tape," "heat cable," or similar materials on exposed water pipes. Many products are available at your local building supplies retailer. Pipes should be carefully wrapped, with ends butted tightly and joints wrapped with tape. Follow manufacturer's recommendations for installing and using these products.

If you have an issue related to frozen pipes, contact Advanced Restoration immediately to alleviate the potential of further property damage to your home or business . Our team is ready to respond 24/7 to your situation.

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Water Damage and Mold Remediation

Posted on Sat, Nov 15, 2008 @ 03:10 PM

Once again, Long Island and the NY Metro area is getting hit by heavy rains and flooding.
Here are a few more tips on water damage and mold for our friends in Nassau County, Suffolk County and New York City:

Mold Issues
If you have a serious mold problem, calling a specialist is in your best interest. Leaving a mold problem untreated can result in structural damage to your home and possible thousands in repairs.

Mold Detection
If you're not sure if you have a mold problem or not, a water damage specialist can assess your situation. After a very rainy season, it's a good idea to get your house checked for leaks, water damage, and mold.

Water Removal
If you've encountered a large leak or a flood, a specialist will have all the equipment needed to take care of the situation quickly and simply. If there is a lot of water but you think you can take care of it yourself, assess whether you think structural damage can occur within the extra time it may take you as opposed to a specialist.

Drying
After a major leak or flood, it's important to dry out the affected area. If you do not have the necessary equipment to do this, most water damage teams own several large, high power drying fans to prevent further damage.

Deodorizing
If a strange smell in your home just won't go away in your home, consider calling a water damage specialist for this as well. Most people don't know they handle strange odors, but they do have anything you're going to need to dispel most bad smells.

Restoration
If your home was hit by flood, mildew, mold, or leaks, structural or other damage may have occurred. To guarantee your home looks the same way it used to, call a specialist as they specialize in restoring homes after this particular kind of damage.

Assessing Damage Whatever water damage you come across, a water damage specialist is the right person to tell you exactly how severe a situation is and what action to take as a homeowner or business owner. Before hiring anyone to do any work, make sure you have an idea of just what is damaged and what needs to be done.

For more information about water damage, contact Advanced Restoration.

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Water Damage and Flood Insurance

Posted on Mon, Nov 10, 2008 @ 11:43 AM

Anywhere it can rain, it can flood!

Last week, Newsday featured an article on Suffolk County's new flood maps, which indicated a 14.9% reduction in flood zones across the county. That's good news for some property owners, since they will no longer be required to purchase flood insurance.

Flooding can be caused by heavy rains, inadequate drainage systems, as well as tropical storms and hurricanes. It is important to understand the flood risks you face before deciding whether to purchase flood insurance. Many people are unaware that most homeowners insurance policies do not protect them against flood damage. Property owners, renters and business owners may purchase flood insurance.

Low-cost flood insurance is available under the
National Flood Insurance Program (NFIP), a federally backed program managed by the Federal Emergency Management Agency (FEMA). The goals of the program are twofold: to protect communities from potential flood damage through floodplain management, and to provide people with flood insurance. Under the program, coverage may be purchased for most buildings as long as the property is located in a community that participates in the NFIP (most communities in New York State participate).

Flood insurance protects you from the financial devastation caused by floods. Even a few inches of water can bring thousands of dollars in repair and restoration costs. Flood insurance, like earthquake insurance, is "single peril" insurance, sold separately from homeowners insurance. Flood insurance protects against losses to buildings and their contents, not the land surrounding them. The coverage applies whether the flooding results from heavy or prolonged rains, coastal storm surge, snow melt, blocked storm drainage systems, or other causes. To be considered a flood, the waters must cover at least two acres or affect at least two properties.

For decades, the NFIP has been offering flood insurance to homeowners, renters and business owners, with the one condition that their communities adopt and enforce measures to help reduce the consequences of flooding.

Flood insurance is the best protection that home and business owners have against the devastating financial losses that floods cause.

For more information, contact your insurance agent or insurance company

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