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

Chimney Fire Safety In Your Home

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

Source: NY State Office of Fire Prevention & Control

Chimney maintenance for wood burning appliances.

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

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

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

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

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

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

Prevention - Remember prevention is your best defense against fire.

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

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


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

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

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

Ineligible 203k Streamlined Repairs

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

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

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

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

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

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

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

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

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

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

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

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

Disaster Kleenup International Is Hurricane Ready!

Posted on Thu, Aug 20, 2009 @ 09:42 AM

Disaster Kleenup International, North America's largest disaster restoration contracting organization is fully prepared to assist in hurricane preparation and disaster planning for the possible U.S. landfall of Hurricane Bill. Bill became the first hurricane of the season on Monday morning.

To aid with storm preparation, DKI has created an informational website, www.hurricanecatastrophe.com.

The site, created in the wake of previous major hurricanes, offers numerous tips for property owners and managers on how to prepare weeks and months before a storm hits, what to do when a storm is identified as being on a path to potentially affect one's property, and how to protect one's own personal safety. The website also assists property owners and managers in taking inventory of their situation after the storm has left, and identifies sources of appropriate relief.

Additionally, there are helpful links to aid agencies and other resources, such as FEMA, the American Red Cross, and DKI, that can deliver necessary aid. In addition to the information on the website, DKI also has a 24-hour call center available to assist property owners who require emergency services. DKI's national catastrophe response unit maintains the industry's largest inventory of emergency services equipment and the largest labor pool in the U.S.

For those seeking to prepare before a storm, DKI also works collaboratively with property owners and managers to develop pre-disaster plans to further mitigate the costs of future catastrophes. For more information on DKI, visit www.hurricanecatastrophe.com, or contact our national account team at: 1.877.354.3566. To request emergency services in the wake of a disaster, call the DKI's Immediate Response Line 24 hours a day, 365 days a year at 1.888.735.0800. For a DKI member company in the New York Metro area, call Advanced Restoration Corporation at (800) 693-6263.

Advanced Restoration Corporation is located on Long Island. They are a 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. Their service area includes 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. Their 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.

 

Advanced Restoration is a preferred service provider for
insurance companies and real estate professionals.

For Emergency Service, call (800) 693-6263.

Tags: disaster, fire restoration, water damage, structural drying, mold, advanced restoration, reconstruction, restoration, water extraction, emergency service, flood damage, home repair

Rehab Your Foreclosure with a 203k Loan!

Posted on Wed, Aug 19, 2009 @ 05:05 PM

You are thinking about buying a home foreclosure on Long Island, but the properties you are looking at need serious rehabilitation.
What Can You Do?

You may want to apply for an FHA 203(k) restoration loan through an approved lender!
The purchase of a house that needs repair is often a catch-22 situation, because the bank won't lend the money to buy the house until the repairs are complete, and the repairs can't be done until the house has been purchased.

HUD's 203(k) program can help you overcome this obstacle by enabling you to purchase or refinance a property plus the cost of making the repairs and improvements in one mortgage. The FHA-insured 203(k) loan is provided through approved lenders nationwide and is available to persons wanting to occupy the home.

The downpayment requirement for an owner-occupant (or a nonprofit organization or government agency) is approximately 3.5% of the acquisition and repair costs of the property.

The 203(k) loan includes the following steps:

A potential homebuyer locates a fixer-upper and executes a sales contract after doing a feasibility analysis of the property with his/her real estate professional. The contract should state that the buyer is seeking a 203(k) loan and that the contract is contingent on loan approval based on additional required repairs by the FHA or the lender.

The homebuyer then selects an FHA-approved 203(k) lender and arranges for a detailed proposal showing the scope of work to be done, including a detailed cost estimate on each repair or improvement of the project.

The appraisal is performed to determine the value of the property after renovation.

If the borrower passes the lender's credit-worthiness test, the loan closes for an amount that will cover the purchase or refinance cost of the property, the remodeling costs and the allowable closing costs. The amount of the loan will also include a contingency reserve of 10% to 20% of the total remodeling costs and is used to cover any extra work not included in the original proposal.
At closing, the seller of the property is paid off and the remaining funds are put in an escrow account to pay for the repairs and improvements during the rehabilitation period.

The mortgage payments and remodeling begin after the loan closes. The borrower can decide to have up to six mortgage payments (PITI) put into the cost of rehabilitation if the property is not going to be occupied during construction, but it cannot exceed the length of time it is estimated to complete the rehab.

Escrowed funds are released to the contractor during construction through a series of draw requests for completed work. To ensure completion of the job, 10% of each draw is held back; this money is paid after the lender determines their will be no liens on the property. It is essential for a borrower to select a general contractor (restoration company) that is familiar with the 203k loan process, including the required forms and documents.

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


Advanced Restoration Corporation is a full-service property restoration contractor with the ability and 203(k) knowledge to provide complete Rehabilitation & Restoration services to your new home or refinance! We service the New York Metro area (Nassau County, Suffolk County and the NY Boroughs).

For more information about 203(k) loans and mortgage professionals authorized to generate FHA 203(k) loans, please contact Gary Matzelle at (516) 903-4107.

Tags: foreclosure, 203(k) loan, property damage, water damage, advanced restoration, reconstruction, restoration, restoration company, disrepair, rebuild, home repair, buying a home, refinance, 203k, hud

Drowning in Water Damage?

Posted on Mon, Jul 27, 2009 @ 11:49 AM

Another wet weekend in New York and water is seeping into your basement! Heavy rain is just one way you may get wet when you least expect it.

Water damage arises from fire damage, broken pipes, blocked drains, malfunctioning appliances, storms and other causes. The appropriate treatment on the nature of the damage. Some water carries contaminents and should be considered hazardous.

Whatever the origin, the prospects for restoration depend largely on the speed with which your building/home and personal property can be dried. Even clean water can generate mildew and other bacterial growth if neglected.

Some "to do" tips to help you after water damage occurs:

  • Ensure you ventilate wet areas. Turn on air conditioning for accelerated drying in summer (if there is no visible mold)); in winter, alternate cycles of opened windows and heating.
  • Remove standing water from flat surfaces by sponging and blotting.
  • Take up saturated rugs and carpets when hardwood floors are at risk.
  • Stay out of rooms where ceilings are sagging from retained water.
  • Remove lamps, telephones and decorative items from wet furniture tops.
  • Open drawers and cabinet doors for interior drying, but do not force stuck drawers or doors.
  • Place aluminum foil squares, china saucers or wood blocks under furniture legs to avoid carpet staining.
  • As soon as possible, call a professional water damage specialist for emergency drying.

Do Not...

  • Operate televisions, vacuums, computers or other electrical appliances while standing on wet carpet or floors, especially wet concrete floors. Serious injury may result.
  • Use heat to dry closed building interiors, mildew and expanded moisture may result.
  • Leave wet fabrics in place; space them apart and dry as soon as possible.

24/7 Emergency Service
Advanced Restoration staff is On-Call 24 hours a day, 7 days a week to respond to your water damage/flood situation. We understand that the sudden intrusion of water is not something that anyone can be totally prepared for. You will always talk to one of our knowledgeable, caring team members, day or night. If we are unable to assist you, we will offer you our best professional advice. At Advanced Restoration, we pride ourselves on immediate response to all types of water damage situations.

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

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

Tags: disaster, property damage, ny water damage company, water damage, flooding, mold, advanced restoration, long island water damage, restoration company, flood damage, home repair, moisture, mildew

203k Loans Made Simple? Yes, for Your Clients

Posted on Wed, Jul 15, 2009 @ 05:48 PM

Excellent article on 203k loans...

Source: Colleen Craig
Santa Clarita, CA
More about Colleen…
Southern California Mortgage Professional
Office Phone: (661) 310-8536
Cell Phone: (661) 310-8536
Email Colleen
http://www.colleencraig.com

203k MADE SIMPLE?

Okay, maybe not, but I will attempt to make it as simple as possible for the client to understand and want to read on. For many of us in the business who are " in the know" we forget that we need to go back to the basics and spell it out in simple terms for others to understand. So I've compiled some information based on my most recent commonly asked questions just this week.
In Southern California, FHA loans were just not utilized over the past 10 or so years because of the FHA Maximum Mortgage limits But now that the limits have been increased and the prices have decreased, FHA loans have become the most utilized loan in recent months. HOWEVER, because it was not a popular loan, you would be amazed at how many lenders/brokers do not know what they are doing. Especially when it comes to the 203k loan. I spoke to a client today that was given such mis-information it made me cringe.

Apparently they told the client that 203k loans were no longer being done (Gee, you think it was after realizing that they had no idea what they were doing?) and they tried to flip them into another loan. This was after telling my client that their loan amount would be for the contract price and the extra money would just be separate and sit in an impound account to be disbursed over the next 6 months. Okay partially true, the extra amount would be in escrow to be disbursed as the remodel progressed, but for free? Who pays for the extra 50,000 dollars you just borrowed for repairs? Your loan amount is for the entire amount you are borrowing. Makes sense right?

So what is a 203k loan and why use one?
When a buyer wants to buy a home that needs repairs utilizing FHA financing, normally the repairs would have to be completed prior to the close of escrow. The repairs would normally fall on the responsibility of the seller. With so many foreclosures in today's market, the bank is the seller. And many times the home in need of repair is listed "as is". Which in the past would require a cash buyer or conventional financing. This is another reason that people in the business decided to shy away from FHA loans. I believe it was pure ignorance of the programs that were available by the brokers and the realtors couldn't properly prepare their seller for what to expect that gave FHA loans a bitter taste.
My associate Jeff Belonger said it best in his post about ignoring what your listing agent tells you about FHA loans
Here we go....203k loans for dummies

* 203k loans allow you to FINANCE the cost of the repairs in the new loan amount. (Not to exceed 110% of the after improved value determined by the appraiser and 203k consultant) What does this mean? I buy a house for 200,000 that needs 50,000 in repairs and I can borrow the extra 50,000? Too good to be true? NOPE. That's it in a nutshell....
details please.........

* Down payment is based on the sale price PLUS the final cost of the repairs x 3.5% so for example:
Sale price is 200,000 (DO not calculate 3.5% on this) PLUS 50,000 in repairs/costs (which includes certain costs and reserves the lender will require) 250,000 x 3.5%. Down payment is $8750.00 (closing costs are separate as usual)

* Buyer will hire (lender can recommend) a HUD approved FHA 203k Consultant to go to the property with the buyer to determine the required repairs and wish list repairs.
The fee charged by the consultant can be included in the mortgage. The fee can range anywhere between $ 400 to $1200 depending on the repairs required. Please check with the consultant prior to scheduling your appointment.

*Buyer will obtain estimates from several licensed contractors for the work to be completed depending on how extensive the repairs.
Three estimates are recommended for each contractor but not necessary. The buyer can act as their own general contractor only if experienced and licensed. (FHA says experienced, but most investors require the buyer to be licensed) The contractors must provide documentation to be approved by the lender prior to approval.

The consultant will determine the "required" repairs versus the "wish list repairs". You must start with the required repairs and then move on from there for you wish list. This is an important step for the consultant and appraiser so that you don't over improve the home and exceed the comparable properties in the area.

* Once the consultant completes his report of required and wish list repairs, the lender will forward it to the appraiser for an "After Improved Value". This is where you may run into problems with OVER improving the property based on current values. Between the consultant, appraiser and buyer - the FINAL FINAL report will be tweeked to come up with a final report that the contractors will be hired to do.

* So now the file is submitted to underwriting and approved ( you need to qualify at the full amount you are borrowing of course, which may include your current mortgage payment for the home you will live in during the rehab period) and the normal steps for closing will occur.
(BIG PLUS - you can include 6 months of mortgage payments in the new loan amount since it's assumed that you will have TWO housing payments during the rehabilitation of the new home. This money will be deducted each month during the reahab process) This is optional.
* Closing occurs, and the work begins within 30 days of closing/funding. (This is when your mortgage payments start since this is when you started borrowing the money - however, if you included the 6 mths mtg payments, they will be deducted from escrow starting when your first payment is due)

* Disbursements are made throughout the following 6 months from the escrow account (normally 4 draws with one final inspection, but this can be increased for higher repair amounts) as the work is completed.

Remember you paid the seller for the price of the home, and then you borrowed an additional amount of X which is sitting in an escrow account to pay the contractors (your total loan is the total amount you borrowed)

Once the last disbursement is made and the final inspection showing COMPLETED AS PER THE CONTRACT........you are done! Simple as 1 2 3 - okay maybe not, but that's why having an experienced lender on your side is crucial!

There are specific properties and repair requirements for this type of loan, so please call me for specific details if this sounds like the right loan for your new home.
Please send me your before and after pics! I would love to see them and maybe even post them for people to see what can be done with this awesome program! Or contact Colleen Craig FHA 203k Specialist for more details

Happy Rehabbing!


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

For more information about 203(k) loans and mortgage professionals authorized to generate FHA 203(k) loans, please contact Gary Matzelle at (516) 903-4107.

Tags: 203(k) loan, property damage, restoration companies, fha, advanced restoration, advanced restoration corporation, reconstruction, homeowner tips, disrepair, home repair, refinance, 203k, hud

Who Will Be Open For Business if Disaster Strikes?

Posted on Fri, Jul 10, 2009 @ 05:12 PM

Contact:Brenda O'Connor
(813) 675-1043
[email protected]

TAMPA – Large and small businesses alike are having a difficult time in the current economy and the Institute for Business & Home Safety (IBHS) is concerned many may not be open for business if disaster strikes.

According to the Association of Contingency Planners, Business Continuity Awareness Week was June 21-27, and IBHS wants business owners and managers to take advantage of free resources that are available to create business continuity plans that can help keep operations running when the unexpected happens.

In addition to minimizing the impact of severe weather events or problems such as a water main break or regional power outage, business continuity planning requires a thorough assessment of operations, which often yields additional benefits including opportunities to streamline functions or identifying areas for cost reductions.

IBHS outlines the following five steps to begin safeguarding operations:

  1. Record basic information for employees, ownership, suppliers, vendors and key contacts.
  2. Identify critical business functions (i.e., what is required to maintain income, keep a competitive advantage, and meet regulatory or contractual obligations?).
  3. Scout alternate locations (i.e., where is the best site to resume operations?).
  4. List what is needed to fulfill critical business functions at an alternate location, including records, critical telephone numbers, e-mail addresses, equipment, machinery and vehicles.
  5. Identify equipment and services that workers will need, such as computer equipment and software, voice and data communications, and required office supplies.

The IBHS Open for Business® suite of resources is available in multiple formats on DisasterSafety.org and includes worksheets and checklists to help with development of your plan. There also is an online training series for those who prefer being walked-through the process one step at a time, with an option for reminder e-mail messages to keep planning on track.


Advanced Restoration Corporation is a family-owned and operated full-service property damage restoration company with a combined 75 years experience in dealing with Fire Damage Restoration, Water Damage Restoration, Flood & Storm Damage, Mold Remediation, Smoke Damage Restoration and Reconstruction. We service Long Island (Nassau County, NY; Suffolk County, NY) and the New York Metro area.
When disasters strike, Advanced Restoration is ready to respond 24 hours a day, 7 days a week. You are guaranteed to speak with one of our knowledgeable, caring team members, day or night. Our immediate response to a claim/property loss helps minimize the damages to the structure, contents, and ease the sometime catastrophic effect that a disaster may have on an owner or occupants.

Tags: disaster, fire restoration, flooding, groundwater, advanced restoration, long island water damage, emergency service, restoration company, disrepair, flood damage, flood, home repair

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

Foreclosure Rescue Scams-HUD News Release

Posted on Mon, Apr 27, 2009 @ 12:40 PM

Source: HUD No. 09-033
Melanie Roussell (202) 708-0685 www.hud.gov/news/
For Release Monday
April 6, 2009

FEDERAL, STATE PARTNERS ANNOUNCE MULTI-AGENCY CRACKDOWN TARGETING FORECLOSURE RESCUE SCAMS, LOAN MODIFICATION FRAUD

Civil Enforcement Cases, State Enforcement Actions, Alert to Financial Institutions Among New Efforts to Protect American Homeowners Seeking Relief

WASHINGTON - As homeowners and communities throughout the country continue to face devastating consequences from the deep contraction in the economy and the housing market, the Obama Administration today announced a new coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times. The new effort announced today aligns responses from federal law enforcement agencies, state investigators and prosecutors, civil enforcement authorities, and the private sector to protect homeowners seeking assistance under the Administration's Making Home Affordable program from criminal actors looking to perpetrate predatory schemes.

The U.S. Department of the Treasury, the U.S. Department of Justice (DOJ), the Department of Housing and Urban Development (HUD), the Federal Trade Commission (FTC), and the Attorney General of Illinois today discussed new initiatives to coordinate information and resources across agencies to maximize targeting and efficiency in fraud investigations, alert financial institutions to emerging schemes, step up enforcement actions and educate consumers to help those in financial trouble avoid becoming the victims of a loan modification or foreclosure rescue scam.

See full article...


Advanced Restoration Corporation is a full-service restoration contractor with the ability to provide complete Rehabilitation & Restoration services to your new home! Water Damge? Mold? Structural Damage? We provide the expertise and knowledge to partner with you and your mortgage company today.

For more information about how Advanced Restoration can work with you on becoming the restoration contractor for your FHA 203(k) loan, please contact Gary Matzelle at (800) 693- 6263.

Tags: 203(k) loan, odor, homeowner, fire restoration, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, emergency service, disrepair, home repair, mildew

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