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

Learn How EPA Lead Regulations Impacts New York Insurance Industry

Posted on Sun, May 16, 2010 @ 09:14 PM
New York Disaster Kleenup International (DKI) Member Company Long Island
 
 

New York DKI Member Companies Host Seminars On How the New EPA Lead Regulations Will Impact the Insurance Industry on Long Island and New York City.

In April 2010, new rules on lead contamination developed by the Environmental Protection Agency (EPA) went into effect for contractors that disturb painted surfaces in buildings constructed prior to 1978. These Renovation, Repair, and Painting (RPR) regulations require all contractors to:

  • Become an EPA certified firm
  • Have certified lead renovators on staff
  • Check painted surfaces to determine if they contain lead
  • Utilize specific types of engineering controls, containments and work practices
  • Perform specific cleaning tasks, verification and test their work area

Unfortunately, these new EPA Lead Regulations will have a major impact on the Insurance Industry on Long Island and New York City.  Insurance Companies, Insurance Agents, Insurance Brokers, and Insurance Adjusters will all have to adjust to the new regulations that are now required of restoration contractors on property damage claims in structures built before 1979.

Please visit New York DKI Member Company Website for the Lead Seminars

Register In Advance.  Registration is Mandatory.

                                                On the Web:     http://www.dki.li/

                                                By Phone:         1-800-734-9947

                                                By Email:   [email protected]

Dates: Thursday June 17th, 2010 @ Westchester Hills Golf Club

           Friday June 18th, 2010 @ Brookville Country Club

Time:  Registration @ 8:30am

            Seminar @ 9am - 1pm

            Lunch @ 1pm - 2pm

Continental Breakfast and Snacks Served

 
New York DKI Member Companies are fully trained and certified to handle ALL lead issues that may arise on property damage claims. 
 
 
About New York DKI Member Companies – The New York Disaster Kleenup International (DKI) Member Companies sponsoring the seminars on the new EPA Lead Regulations service Long Island and New York City.
 
 

advanced restoration corporation dki member company long island new york city

 

All Pro Cleaning and Restoration

                            all pro restoration dki member company new york city white plains westchester county

                                    Branch Restoration

                               branch restoration dki member company long island new york city

                                    Milro Restoration

                            milro restoration dki member company long island new york city

Disaster Kleenup International (DKI) is a network of the leading, independent property damage restoration contractors across North America.  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,dki,disaster restoration,property damage experts

About Dr. Michael Pinto: CSP CMP CEO Wonder Makers Environmental, Inc.

dr. michael pinto wonder makers ceo,epa lead certified trainerWonder Makers Environmental, Inc., a manufacturing and environmental consulting firm that specializes in identification and control of asbestos, lead, IAQ, mold, industrial hygiene, and chemical problems. Mr. Pinto is the author of over 150 published articles and several books including, Fungal Contamination: A Comprehensive Guide for Remediation. He completed doctoral course work in environmental engineering and holds numerous certifications in the environmental and safety areas including Certified Safety Professional and Certified Mold Professional.

 

Dr. Michael Pinto Wins Restoration Industry Association’s (RIA) Martin L. King Award 
 
Given annually, the Martin L. King Award recognizes an individual's exceptional service and dedication to the restoration industry. Pinto was honored for his efforts as an industry instructor on a variety of environmental and restoration topics, his monthly column in Cleaning & Restoration magazine as well as articles in other industry publications, his innate ability to take complex issues and distill them down to their essential points, his unwavering efforts to consistently advocate for "doing things right," and for supporting the industry and practices that truly do "make it better" for everyone.
Martin King, CR, ASA, RIA's technical advisor and creator of the Certified RestorerSM program said, "In this instance, instead of honoring the recipient with this award, the award is honored by its recipient."
 

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