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

203(k) Loan Application Process

Posted on Sat, Apr 25, 2009 @ 11:06 PM

The 203(k) Rehab Program is available through FHA approved lenders and is available in New York.

Here is a brief summary that provides the process for homeowners interested in applying for a 203(k) loan:

  1. Homebuyer Locates the Property.
  2. Preliminary Feasibility Analysis
  3. Sales Contract is Executed
  4. Homebuyer Selects Mortgage Lender
  5. Homebuyer Prepares Work Write-up and Cost Estimate.
  6. Lender Requests HUD Case Number
  7. Plan Reviewer Visits Property
  8. Appraiser Performs the Appraisal
  9. Lender Reviews the Application
  10. Issuance of Conditional Commitment
  11. Lender Prepares Firm Commitment Application
  12. Lender Issues Firm Commitment
  13. Mortgage Loan Closing
  14. Mortgage Insurance Endorsement
  15. Rehabilitation Construction Begins
  16. Releases from Rehabilitation Escrow Account
  17. Completion of Work/Final Inspection

Advanced Restoration Corporation is a full-service 203(k) restoration contractor with the ability to provide complete Rehabilitation & Restoration services to your new home! We work closely with all FHA approved lenders and are committed to providing professional service throughout the NY Metro area.

For more information about mortgage companies authorized to generate FHA 203(k) loans, please contact Gary Matzelle at (800) 693- 6263 or send an email to [email protected]

Tags: 203(k) loan, remodeling, advanced restoration, advanced restoration corporation, reconstruction, restoration, emergency service, homeowner tips, disrepair, rebuild, home repair, fire protection

203(k) Re-hab/Restoration Loans- What Can You Do?

Posted on Wed, Apr 22, 2009 @ 01:45 PM

Pursuing an FHA 203(k) loan enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.

The extent of the rehabilitation covered by a 203(k) may range from relatively minor (minimum of $5000 in cost) to virtual reconstruction: a home that has been demolished or will be restored as part of rehabilitation is eligible.
Section 203(k) insured loans can finance the rehabilitation of the residential portion of a property that also has non-residential uses; they can also cover the conversion of a property of any size to a one-to-four unit structure.

The types of improvements that borrowers may make using Section 203(k) financing include:

  • Structural alterations and reconstruction
  • Modernization and improvements to the home's function
  • Elimination of health and safety hazards
  • Changes that improve appearance and eliminate obsolescence
  • Reconditioning or replacing plumbing; installing a well and/or septic system
  • Adding or replacing roofing, gutters, and downspouts
  • Adding or replacing floors and/or floor treatments
  • Major landscape work and site improvements
  • Enhancing accessibility for a disabled person
  • Making energy conservation improvements

Advanced Restoration Corporation is located in New York and is a general contractor/ restoration company that specializes in the rehabilitation of homes in disrepair. We are affiliated with various mortgage companies and have experience with contractor requirements associated with a 203 (k) loan.
For more information on partnering with an experienced company ready to rebuild your dream house, contact Gary Matzelle at (516)903-4107. Service area includes: Nassau County, Suffolk County, Queens, Manhattan, Staten Island, Brooklyn and The Bronx.

Tags: disaster, 203(k) loan, fire restoration, water damage restoration, mold, smoke damage, advanced restoration, advanced restoration corporation, reconstruction, disrepair, rebuild, water leaks, weather

Streamlined 203 (k) Loan: Repairs/Foreclosure

Posted on Wed, Mar 11, 2009 @ 05:13 PM

Foreclosures continue to dominate the real estate market and as a result, many homes are left in disrepair. If you are contemplating the purchase of a foreclosure requiring minor repairs, you may want to consider a "Streamlined" 203(k) loan.

The Streamlined (k) Limited Repair Program was developed to augment FHA’s existing Section 203(k) rehabilitation program for less extensive repairs and improvement.


What improvements are eligible under the Streamlined 203 (k) program?
The Streamlined (k) program is intended to facilitate uncomplicated rehabilitation and/or improvements to a home for which plans, consultants, engineers and/or architects are not required.

The Streamlined (k) program includes the discretionary improvements and/or repairs shown below:

  • Repair/Replacement of roofs, gutters and downspouts
  • Repair/Replacement/upgrade of existing HVAC systems
  • Repair/Replacement/upgrade of plumbing and electrical systems
  • Repair/Replacement of flooring
  • Minor remodeling, such as kitchens, which does not involve structural repairs
  • Painting, both exterior and interior
  • Weatherization, including storm windows and doors, insulation, weather stripping, etc.
  • Purchase and installation of appliances, including free-standing ranges, refrigerators, washers/dryers, dishwashers and microwave ovens
  • Accessibility improvements for persons with disabilities
  • Lead-based paint stabilization or abatement of lead-based paint hazards
  • Repair/replace/add exterior decks, patios, porches
  • Basement finishing and remodeling, which does not involve structural repairs
  • Basement waterproofing
  • Window and door replacements and exterior wall re-siding
  • Septic system and/or well repair or replacement

What are the minimum and maximum amounts for repair costs under this program?
Given the need for homeowners to make minor repairs without exhausting personal savings, and in consideration of the increasing cost of materials, the minimum repair cost of $5,000 is eliminated and the ceiling is now raised to $35,000. This revised maximum repair/rehabilitation amount recognizes the cost of making older homes more energy efficient. When the repairs exceed $15,000, the mortgagee must perform or obtain an inspection to determine that all listed repairs were completed.

Can this program be used for repairs and improvements on purchases of HUD Homes?
Like the regular Section 203(k) program, Streamlined (k) may be used for single-family housing sold by HUD. REO properties that have been designated by FHA’s Management and Marketing contractor (M&M) as “insurable” with repair escrow ($5,000 or less in required repairs) or “uninsurable” (with more than $5,000 but no more than $35,000 in required repairs) are eligible for the Streamlined (k) program provided that the repairs qualify as eligible work items as outlined.

Advanced Restoration is a full service property damage restoration company that specializes in the rehabilitation & restoration of homes and businesses. The company is family-owned and operated 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.

For more information on how Advanced Restoration can partner with you, please contact Gary Matzelle at (516) 903-4107, or send an email to gm[email protected].
Please visit our Website: http://www.advancedrestoration.com/

Tags: disaster, foreclosure, 203(k) loan, fire restoration, water damage, mold, mortgage, advanced restoration corporation, reconstruction, disrepair, flood damage, home repair

Foreclosure House Repairs: Get a 203(k) Loan

Posted on Fri, Feb 13, 2009 @ 04:05 PM

Foreclosures in Nassau County, Suffolk County and the NY Metro area continue to increase due to the struggling economy. As a result, some homes become neglected over time and develop situations that subsquently require a restoration company to perform repair work. Initiating necessary foreclosure repairs for a property can be accomplished by a potential homeowner applying for a mortgage related to the 203(k) Program.

203(k) Mortgage
The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance programs like a 203(k) mortgage. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer's credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.
One Mortgage Loan
When a homebuyer wants to purchase a house in need of repair or modernization, the homebuyer usually has to obtain financing first to purchase the dwelling; additional financing to do the rehabilitation construction; and a permanent mortgage when the work is completed to pay off the interim loans with a permanent mortgage. Often the interim financing (the acquisition and construction loans) involves relatively high interest rates and short amortization periods.

The Section 203(k) program was designed to address this situation. The borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work. To minimize the risk to the mortgage lender, the mortgage loan (the maximum allowable amount) is eligible for endorsement by HUD as soon as the mortgage proceeds are disbursed and a rehabilitation escrow account is established. At this point the lender has a fully-insured mortgage loan.

Advanced Restoration Corporation is a full service property damage restoration company that has the abiltiy to execute all necessary repairs to a property that qualifies for a 203(k) loan. For more information on FHA 203(k) loans and how Advanced Restoration can partner with you, please contact Gary Matzelle at (800) 693-6263.


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.

Our company is dedicated to serving our clients with courteous and prompt service. We take the utmost pride in the craftsmanship of our work. As certified specialists in water mitigation and fire/smoke restoration, we have the knowledge, expertise and experience to deal with all types of property damage. Our professional staff is also trained in all aspects of mold remediation and damage appraisals.

Tags: disaster, foreclosure, 203(k) loan, remodeling, property damage, advanced restoration, advanced restoration corporation, emergency service, homeowner tips, restoration company, home repair

Home Restoration Repairs: 203(k) Program/Rehabilitation Mortgage

Posted on Tue, Dec 30, 2008 @ 09:14 AM

It's no secret that many homes across the country, including New York, have been placed into foreclosure because of the economy. As a result, some homes become neglected over time and develop situations that subsquently require a restoration company to perform repair work. Initiating necessary foreclosure repairs for a property can be accomplished by a potential homeowner applying for a mortgage related to the 203(k) Program.

The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance programs like a 203(k) mortgage. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer's credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.

The Section 203(k) program is the Department's primary program for the rehabilitation and repair of single family properties. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities.

When a homebuyer wants to purchase a house in need of repair or modernization, the homebuyer usually has to obtain financing first to purchase the dwelling; additional financing to do the rehabilitation construction; and a permanent mortgage when the work is completed to pay off the interim loans with a permanent mortgage. Often the interim financing (the acquisition and construction loans) involves relatively high interest rates and short amortization periods.

The Section 203(k) program was designed to address this situation. The borrower can get just one mortgage loan, at a long-term fixed (or adjustable) rate, to finance both the acquisition and the rehabilitation of the property. To provide funds for the rehabilitation, the mortgage amount is based on the projected value of the property with the work completed, taking into account the cost of the work. To minimize the risk to the mortgage lender, the mortgage loan (the maximum allowable amount) is eligible for endorsement by HUD as soon as the mortgage proceeds are disbursed and a rehabilitation escrow account is established. At this point the lender has a fully-insured mortgage loan.

Advanced Restoration Corporation is a full service property damage restoration company that has the abiltiy to execute all necessary repairs to a property that qualifies for a 203(k) loan.

For more information on the 203(k) program, contact Continental Home Loans:

Wendy Doerzbacher-Mortgage Planner
Continental Home Loans
175 Pinelawn Rd.-Ste 400
Melville, NY 11747

(800) 540-8838 Ext. 4140
(516) 982-6339 Cell
Email: [email protected]

This information is designed to be of general interest and should not be considered legal advice. The specific information discussed may not apply to you. Before acting on any matter contained herein, you should consult with your personal legal adviser.

Tags: foreclosure, 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, mold, black mold, puff-back, mortgage, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, disrepair, home repair, frozen pipes

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.

Tags: 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, nassau county restoration, mold, burn hazard, fire recall, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, smoke restoration, frozen pipes

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.

Tags: disaster, 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, structural drying, mold, ice damage, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, frozen pipes, ice storm

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.

Tags: 203(k) loan, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, mold, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, smoke restoration, water leaks, frozen pipes

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.

Tags: 203(k) loan, remodeling, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, mold, groundwater, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, homeowner tips, restoration company, environment, home repair, resources, frozen pipes, water, go green, water use

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.

Tags: 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, mold, black mold, puff-back, christmas tree fire, holiday fire prevention, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, fire protection, smoke restoration, frozen pipes

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