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

A Consumer Guide to Insurance for Natural Disasters

Posted on Thu, Dec 30, 2010 @ 10:59 AM

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Introduction
Natural disasters (including floods, nor'easters, etc.) affect the lives of many people in the United States every year.The hazardous effects can be local, impacting a neighborhood or community; or very large, affecting an entire city or county. People who understand disasters and know what to do before and after a disaster can significantly reduce the time and cost to return to normalcy. The purpose of this information is to provide an understanding of the types of natural disasters and the insurance available to cover the losses resulting from them.
 
Insurance for Your Residence
Depending on your type of dwelling, you will need to consider your insurance options to determine the most appropriate coverage. It makes good sense to purchase the type and amount of coverage that is adequate to protect your home and your family.

Owning a Home – There are various types of policies available to homeowners. In general, the homeowners policy combines property coverage with liability coverage. Dwelling policies only provide property coverage.

Rental – This policy covers the personal property owned by renters. It can also cover liabilities arising from accidents and injuries for guests..

Owning a Condominium – Condominium policies primarily provide content coverage to condominium owners. In addition, there are special provisions to cover the portions of the dwelling for which you are responsible as defined by the governing rules of the condominium.

Owning a Home on a Farm – If your home is on a farm, a farm owners policy may be appropriate to protect against loss. In general, a farm owners policy provides coverage for farm business exposures, and both property and liability coverages.
 
Insurance Available for Your Property
Before buying an insurance policy, you should check for the types of coverages and products available in New York State. You also need to know the types and limits of coverage you want to purchase. Coverage is available for:
 
Dwelling – This is the structure of the house. (That is considered a covered property.)

Other Structures – These are other structures that are separate from the house. Examples are detached garages or toolsheds.

Personal Property – The contents in your home are considered personal property. This includes furniture, appliances, clothing and computer equipment. Some personal properties are specifically excluded and are either not covered under the policy or have limited coverage. Examples are: money, jewelry and firearms.
 
Loss of Use – This is the cost of additional living expenses incurred, when the dwelling becomes uninhabitable, and the cause is due to a covered loss. Reimbursement, such as the cost of a hotel room, will be made to the insured to maintain a normal standard of living.
 
Information Source:
New York State Department of Insurance
25 Beaver Street One Commerce Plaza
New York, NY 10004 Albany, NY 12257
(212) 480-6400 (800) 342-3736
www.ins.state.ny.us

Tags: fire restoration, flood long island, insurance, insurance claim, disrepair, flood damage, disaster restoration, insurance industry, insurance industry long island

New York DKI Member Companies Create NewYorkDKIMembers.org

Posted on Fri, Dec 03, 2010 @ 10:25 AM

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NewYorkDKIMembers.org consists of New York Member Companies of Disaster Kleenup International, Inc. (DKI)DKI is a network of the leading, independent property damage restoration contractors across North America. New York DKI Member Companies provide full service to their customers: Emergency response, water damage mitigation, mold remediation, complete reconstruction and much more 24 hours a day, 365 days a year, returning damaged property to pre-loss condition fast and efficiently, delivering complete satisfaction to their consumer, insurance, and corporate customers.

Disaster Kleenup International was founded in 1974 by a small group of restoration contractors seeking the benefits of a collaborative business and personal network. Led by the late Ed York in the 70's, Martin Berry in the 80's, and Derry Strong on the 90's, the DKI network established a reputation in the market for high quality property restoration services throughout the United States and Canada.

Led today by Dale Sailer, President and CEO of Disaster Kleenup International and its parent company DKI Services Corporation since 2002, DKI is proud to be North America's largest disaster restoration contracting organization.

New York DKI Member Companies are dedicated to ensuring a smooth and comprehensive recovery of your property throughout the entire mitigation and restoration process. Our years of experience have given us the ability to complete the most extensive large loss recovery projects.

As North America’s largest disaster restoration contracting organization in North America, DKI is committed to providing exceptional customer service, disaster response planning and emergency response services across the United States and Canada.

DKI returns damaged risk to its pre-loss condition quickly and efficiently, delivering complete satisfaction to all of our customers.

DKI Loss Services is available 24-hours a day, 365 days a year to assist with full-service emergency planning, emergency response and restoration services. These include emergency response, water damage mitigation, fire and contents cleaning, mold remediation, complete reconstruction and much more. 

DKI holds itself to the highest standards in the industry

- Response time of 2 hours or less for emergency services
- Comprehensive claims management processing platform
- Over $1.5 billion in restoration work annually
- Largest inventory of equipment in North America
- Unparalleled coverage with over 350 services locations
- One in six Certified Restorers® is a DKI Member

 

Tags: emergency response, dki, new york dki member company, new york, insurance claim, disaster kleenup international, disaster restoration, new york dki member companies, commercial property damage

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