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

Purchasing a Foreclosure Needing Repairs?

Posted on Wed, Jun 17, 2009 @ 03:31 PM

You see the perfect home in a Long Island neighborhood, and the house is a foreclosure. The exterior of the home is nice, but the inside has water damage, structural damage and mold. You want to buy this house and the selling price is excellent...What are your options as a homebuyer? Will you be able to "close" on a home that is in disrepair?

Of course you can...

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 FHA 203(k) mortgage 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.

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

The 203(k) Program is somewhat complicated and you must deal with an FHA approved lender, however, the program will allow you to obtain a mortgage and incorporate the necessary repairs into one mortgage payment. In addition, when selecting a general contractor to perform the rehab, you need to ensure the company is familiar with the 203k process and appropriate forms required. Streamlined 203k loans are also available for rehab/ home repairs under $35,000.

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 partner with various mortgage companies and have experience with contractor requirements associated with a 203 (k) loan.

For more information on partnering with an experienced 203(k) company ready to rebuild your dream house, contact Gary Matzelle at (516) 903-4107. Our service area includes: Nassau County, Suffolk County, Queens, Manhattan, Staten Island, Brooklyn and The Bronx.

Tags: disaster, foreclosure, 203(k) loan, fire restoration, restoration companies, water damage, structural drying, toxic mold, advanced restoration, homeowner tips, disrepair, flood damage, home repair

What is a Certified Restorer?

Posted on Thu, May 07, 2009 @ 05:24 PM

Fire Damage, Smoke Damage, Water Damage, Mold Remediation...
There are numerous Restoration companies throughout Long Island and the New York Metro area, but only a handful hold the title of Certified Restorer (CR). Disaster recovery is essential to any property structure, and Certified Restorers have the experience and ability to ensure all aspects of property damage are handled with the utmost professionalism. Advanced Restoration Corporation is one of the primary companies on Long Island with the CR designation.

Certified Restorer

The Certified Restorer program is a week-long master's course in damage repair offered to experienced contractors and restorers. The program's objective is to raise committed restorers to a higher level of professional ability.

The course addresses both buildings and personal property and is based on the structure and nature of materials, with the effects of various perils. A section on restoration theory addresses the mechanisms by which residue odors are removed. Toxic contamination, allergic response, water damage, contracts and insurance are also covered. The Certified Restorer course is widely recognized as the pre-eminent training program in damage repair.

Experience

All candidates to the Certified Restorer (CR) Program must be actively involved in restoration work at the time of application and have 3 or more years of active experience in disaster damage restoration as a technician, supervisor or estimator. The company or employer must be a member in good standing of RIA International.

Education

CR candidates must have attended one NIDR or WLI seminar or an RIA convention in the 12 months preceding the CR school.

Candidates must complete the Certified Restorer School and successfully pass the written examination with a score of 80% or better.

Ethics Quiz

Candidates must complete an Ethics Quiz administered by the course instructor or a designated member of the CR Committee. A thorough understanding of the NIDR Code of Ethics and the Certified Restorer Code of Conduct is required.

Formal Report

On completion of the class, candidates must prepare a formal report or a thesis on an approved research topic.

Maintaining Certified Restorer Status

Certified Restorers must participate in a recertification program and maintain current membership in RIA International in order to retain their CR status. All CR continuing education is based on a three-year continuous cycle. Cycles for newly inducted CRs begin on the January 1 following the date of induction. All CRs are required to participate, and all required points must be earned within the time frame.

For more information on the Restoration Industry Association's advanced designations: CR, WLS, CRS, CMH, CMP and CFS, please contact the RIA Education Department at 443-878-1000.


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.
Advanced Restoration is also an expert in partnering with mortgage companies and families buying homes on Long Island. We are experienced in dealing with FHA approved 203 (k) loans associated with foreclosures, as well as streamlined 203(k) loans. For more information on having Advanced Restoration become your 203(k) contractor, please contact Gary Matzelle at (516) 903-4107.

Tags: disaster, foreclosure, 203(k) loan, property damage, fire restoration, restoration companies, water damage, advanced restoration, emergency service, disrepair, flood damage, home repair, water leaks

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 [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

Flooding/Water Damage Restoration

Posted on Sun, Jan 25, 2009 @ 05:24 PM



Do You Have Flooding/Water Damage in Your Home, Office or Business?

When a pipe bursts, the damage to your home or business can be devastating. Knowing who to call for this type of situation is essential to ensure emergency water mitigation efforts are handled timely and properly by trained experts.

If you had recent storm or water damage from frozen pipes, one call to Advanced Restoration will ensure your property structure is mitigated properly. Our professional staff is ready to provide you 24/7 Emergency Service throughout the New York Metro area!

Reduce your claim costs by hundreds, even thousands of $$$. Our equipment allows us to dry wet hardwood floors (or any hardsurface floor) by using our Injectidry Systems. Injectidry's Vac-It Panels are placed directly over the wet area and the system (HP60) pulls the water out of the wood or hardsurface!

Injectidry's High Pressure drying systems are specifically developed to target high risk areas of hidden moisture such as: walls and ceilings, double-sheeted fire walls, party walls, sound barriers, insulation, walls behind cabinets and fixtures and floors.

Benefits of Using Advanced Restoration and Injectidry Technology

  • In most cases, the floors will dry beneath refrigerators and stoves without moving appliances.
    Many of the floors do not even need to be refinished.
  • Floors do not sit wet and cupped for 3-9 months while nails rust and mold grows underneath.
    Continue to use the premise (home, office, business) during the drying process.
  • Reduced claim costs.

Advanced Restoration is available for all your property restoration and reconstruction needs.

Our staff is truly committed to Making Disaster Temporary and Restoration Permanent!

Tags: property damage, ny water damage company, water damage, water damage restoration, nassau county restoration, ice damage, advanced restoration, long island water damage, suffolk county restoration, water extraction, emergency service, restoration company, flood damage, flood, home repair, moisture, water leaks, frozen pipes

Advanced Restoration Corporation: Fire, Smoke, Water, Mold

Posted on Sat, Jan 17, 2009 @ 11:26 AM

Have You Encountered Property Damage to Your Home or Business?

We Are Prepared to Help...

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.

Customer Excellence:

Our staff is committed to providing outstanding service and exceeding customer expectations for every completed project. Our fully trained and experienced Project Managers, Technicians and state-of-the-art processes ensure we are ready to restore peace of mind to our customers. We provide immediate response to mitigate your property damage and take the necessary steps to ensure a successful restoration project.

See Completed Projects

Our Clients:

Homeowners
Business Owners
Insurance Professionals
Real Estate Professionals
Property Management Professionals

Tags: disaster, fire restoration, restoration companies, water damage restoration, advanced restoration, mold remediation, water extraction, disrepair, flood damage, smoke restoration

Winter Storm/Property Damage: Ice Dams and Your Home

Posted on Fri, Jan 09, 2009 @ 04:41 PM

Snow is expected this weekend on Long Island and the NY Metro area and the Weather Service has issued a WINTER STORM WARNING for the area. Whenever there is snow, you are guaranteed to have troublesome ice dams to follow. Ice dams can cause major water damage and flooding to your home, which requires immediate attention.

As winter advances through cycles of freezing and thawing, buildings and homes experience ice buildup and roof damage. In general, ice dams are formed when attic heat moves up to warm the roof and melts snow at or near the ridge. Snow melts, runs downward and hits the edge of the cold roof, resulting in re-freezing snow. These cycles cause ice to accumulate and back up under shingles. Damage appears in the form of soaked insulation, stained, cracked and damaged sheet rock, damp, smelly, rotting wall cavities and stained, blistered and peeling paint.

Preventing Ice Dams
To prevent an ice dam, don't heat the roof, keep it cold. That way, the snow on the roof eventually dissipates without making large amounts of meltwater. The underside of the roof deck should not exceed 30 F. The best way to maintain low temperatures is by ensuring that there is adequate insulation and sealing gaps that let warm air pass into the attic from the house. The attic must also be ventilated, so that cold air is introduced into it and heated air escapes rapidly. Some remodeling contractors are under the impression that heat passing through the attic helps prevent ice dams, when just the opposite is true. Although excess heat moving from the attic through the roof rapidly melts snow, once the meltwater touches the cold eaves, it quickly freezes and forms an ice dam.

If you have a furnace in the attic, it may not be possible to prevent ice dams. Increased insulation, however, should help. First, insulate the areas between the roof rafters. It is important to keep an air space between the roof deck and the insulation in order to prevent a condensation buildup that can delaminate the roof deck. Prior to insulating, install polystyrene rafter air channels, which are available at home centers. Next, lay insulation blankets over the furnace's heating ducts to help reduce the heat buildup in the attic. If there's a hatchway into the attic, build a cover for it out of rigid poly-styrene insulation.

If the gable and ridge vents do not generate sufficient air movement to dissipate the heat, you will need a motorized vent at one end of the attic to exhaust the heat, and an adequately sized vent on the opposite end of the attic to draw in cold air from the outside.

Check your home carefully when ice dams form. Investigate even when there doesn't appear to be a leak. Look at the underside of the roof sheathing and roof trim to make sure they haven't gotten wet. Check the insulation for dampness. And when leaks inside your home develop, be prepared. Water penetration often follows pathways difficult follow. Don't just patch the roof leak. Make sure that the roof sheathing hasn't rotted or that other less obvious problems in your ceiling or walls haven't developed. And then detail a comprehensive plan to fix the damage. But more importantly, solve the problem.

If you experience water damage that requires a water damage/flood restoration expert, please contact Advanced Restoration at (800) 693-6263. Advanced Restoration is a full service property damage restoration company that can respond 24/7 to your water damage situation. We use state-of-the-art equipment to handle structural drying. Our professional staff is also available to handle mold situations that may occur as a result of a water loss. Our service area includes Nassau County, Suffolk County and the New York boroughs. Enjoy the snowfall and stay dry!

Tags: disaster, property damage, fire restoration, ny water damage company, water damage, water damage restoration, winter storm, groundwater, advanced restoration corporation, long island water damage, mold remediation, suffolk county restoration, water extraction, restoration company, flood damage, flood, moisture, storm damage, mildew

Puffbacks and Your Heating System

Posted on Tue, Jan 06, 2009 @ 01:17 PM



Ensure Your Heating System is Working Properly!

Winter is here and so is the cold weather, which means your heating system will be working around the clock. Now is the season when you may experience a puffback related to your heating system.

What is a puffback?
Most of us have never heard of a puffback. A puffback occurs when an oil burner backfires, sending soot throughout your home or business. It can happen all at once, or more slowly and gradually.

Soot covers all areas of the home or business & may range from light to very heavy. Sometimes the disbursement of soot is so light & fine it appears to be ordinary dust. This "dust" however, can re-appear hours after being cleaned, there is often a strong odor of oil accompanying a puffback.

How can a puffback be prevented?
The best defense against a puffback is to have your oil burner inspected annually & kept in good repair. This is no guarantee against having a puffback, but it greatly reduces your risk.Keep debris, animal hair or anything that could interfere with proper functioning away from your oil burner.

What to do if a puffback occurs?
Notify your insurance agent or company immediately. Have a qualified disaster restoration specialist begin cleaning all affected areas immediately. Soot travels & will re-appear if not completely removed.

If you live in the NY Metro area and experience a puffback in your home or business, please call Advanced Restoration. Our experts will promptly respond to your situation! Our experienced staff is available 24/7 and can be reached at (800) 693-6263, or visit our website at http://www.advancedrrestoration.com/.

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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.

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

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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Water Damage and Floods

Posted on Tue, Oct 28, 2008 @ 04:30 PM

Water Damage?
Flood Damage?
What happens when a pipe freezes and you now have 2 feet of water in your basement?

Most building contents will not be ruined by the effects of water, providing they are quickly dried. In addition, the likelihood of mold growth is greatly reduced with rapid drying. Building contents and costly reconstruction can be saved using "Water Out" technology.

Water Out contractors utilize the most advanced drying techniques in the restoration industry. State-of-the-art infrared cameras detect moisture, monitor the drying process and confirm that all moisture has been removed from a structure.

The sooner a flooded building can be thoroughly dried, the greater the benefit to the property owner and insurer. Valuable time, building contents and costly reconstruction can be saved using Water Out. Advanced Restoration has the trained staff and equipment to perform structural drying using Water Out.

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