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

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

What is Thermography?

Posted on Tue, Nov 25, 2008 @ 10:01 AM

Many restoration contractors will use a thermal imager following a water loss to determine the damage sustained to a property structure. Thermography, the use of a thermal imager or infrared (IR) camera to capture an image of the surface temperature of objects, is used in a variety of industries to detect problems that show up as temperature differences.

First of all, it is important to understand that an IR camera is not a moisture meter. It is a thermal-imaging camera that detects temperature differences. Where there is elevated moisture in or on interior building materials, there is usually evaporative cooling. If necessary, the building can be modified to enhance evaporative cooling. Since evaporation lowers the temperature of wet surfaces, the IR camera can easily and quickly locate suspect areas needing further investigation. Both the IR camera and the moisture meter are needed to perform a building moisture investigation. So, after the IR camera locates an anomaly, a contractor can verify the presence or absence of moisture with a moisture meter.

A trained thermographer can scan a room and check questionable areas more timely than using less effective techniques. Water damage calls for fast responses, especially when dry downs are an operation. Using an IR camera significantly reduces inspection times, resulting in reduced labor costs. The same thing applies to monitoring the drying process. It would take a lot of time to check every square inch of an area you are drying and you can easily miss areas of moisture. On the other hand, the IR camera can quickly show an individual the progress of the restoration and where to focus your drying efforts.

Insurance companies are always focused on keeping their customers satisfied to ensure policy retention . When property claims are made, insurers are concerned about paying a fair and equitable price for the work that needs to be performed under the terms of the policy, which is good business. Insurance adjusters are charged with having to determine how coverage applies to each loss. Generally, they are not experts in the field of restoration.

Insurance carriers rely on good documentation to establish the scope of the loss and the appropriate need for equipment and labor. One of the many benefits of IR technology for the insurance company is pictorial documentation covering the scope of the loss and the need for equipment. The restorer can document when the property is dry and remove equipment at the appropriate time. That documentation can then be submitted to adjusters to document their file, allowing them to close files faster and only pay the appropriate amount for restoration.

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

Frozen Pipes in Your Home!

Posted on Fri, Nov 21, 2008 @ 12:38 PM

Although Winter officially begins on December 21st, the New York Metro area has already posted FREEZE WARNINGS during overnight conditions.

Homeowners in need to start thinking about the possibility of pipes freezing in their homes and how to prevent property damage, including water damage to a structure.

Preventing Frozen Pipes
Before the onset of cold weather, prevent freezing of water supply lines and pipes by following these recommendations:

Outdoor
Drain water from swimming pool and water sprinkler supply lines following manufacturer's or installer's directions. Do not put antifreeze in these lines unless directed. Antifreeze is environmentally harmful, and is dangerous to humans, pets, wildlife, and landscaping.

Remove, drain, and store hoses used outdoors. Close inside valves supplying outdoor hose bibs. Open the outside hose bibs to allow water to drain. Keep the outside valve open so that any water remaining in the pipe can expand without causing the pipe to break.

Water Supply Source
Check around the home for other areas where water supply lines are located and are in unheated areas. Look in the basement, crawl space, attic, garage, and under kitchen and bathroom cabinets. Both hot and cold water pipes in these areas should be insulated. A hot water supply line can freeze just as a cold water supply line can freeze if the water is not running through the pipe and the water temperature in the pipe is cold.

Insulation
Consider installing specific products made to insulate water pipes like a "pipe sleeve" or installing UL-listed "heat tape," "heat cable," or similar materials on exposed water pipes. Many products are available at your local building supplies retailer. Pipes should be carefully wrapped, with ends butted tightly and joints wrapped with tape. Follow manufacturer's recommendations for installing and using these products.

If you have an issue related to frozen pipes, contact Advanced Restoration immediately to alleviate the potential of further property damage to your home or business . Our team is ready to respond 24/7 to your situation.

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

Water Damage and Mold Remediation

Posted on Sat, Nov 15, 2008 @ 03:10 PM

Once again, Long Island and the NY Metro area is getting hit by heavy rains and flooding.
Here are a few more tips on water damage and mold for our friends in Nassau County, Suffolk County and New York City:

Mold Issues
If you have a serious mold problem, calling a specialist is in your best interest. Leaving a mold problem untreated can result in structural damage to your home and possible thousands in repairs.

Mold Detection
If you're not sure if you have a mold problem or not, a water damage specialist can assess your situation. After a very rainy season, it's a good idea to get your house checked for leaks, water damage, and mold.

Water Removal
If you've encountered a large leak or a flood, a specialist will have all the equipment needed to take care of the situation quickly and simply. If there is a lot of water but you think you can take care of it yourself, assess whether you think structural damage can occur within the extra time it may take you as opposed to a specialist.

Drying
After a major leak or flood, it's important to dry out the affected area. If you do not have the necessary equipment to do this, most water damage teams own several large, high power drying fans to prevent further damage.

Deodorizing
If a strange smell in your home just won't go away in your home, consider calling a water damage specialist for this as well. Most people don't know they handle strange odors, but they do have anything you're going to need to dispel most bad smells.

Restoration
If your home was hit by flood, mildew, mold, or leaks, structural or other damage may have occurred. To guarantee your home looks the same way it used to, call a specialist as they specialize in restoring homes after this particular kind of damage.

Assessing Damage Whatever water damage you come across, a water damage specialist is the right person to tell you exactly how severe a situation is and what action to take as a homeowner or business owner. Before hiring anyone to do any work, make sure you have an idea of just what is damaged and what needs to be done.

For more information about water damage, contact Advanced Restoration.

Tags: 203(k) loan, odor, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, structural drying, 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, home repair, storm damage, mildew, frozen pipes, water out

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

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

Winter Is Coming

Posted on Wed, Nov 05, 2008 @ 01:23 PM

WINTER FORECASTS
How accurate were they?

Some winters can be tougher than the NFL football season!

Last year, Long Island had a relatively mild winter and readings from LI Mac-Arthur Airport related to the Winter of 2007-2008 indicated:

Mean temperature: 34.2 degrees vs. normal temperature based on 30-year average: 33.7 degrees.


Last year’s overall predictions for winter of ’07-’08:

  • National Weather Service: Above average temperatures for most of the U.S.
  • AccuWeather Inc.: Marginally warmer than normal
  • WSI Inc.: Warmer than usual
  • Weather 2000 Inc.: Slightly cooler than 10-year average, warmer than 30-year average
  • The Farmers Almanac: “Two-faced winter” for the nation, with extremes of warm and dry, and cold and wet, varying by region
  • The Old Farmers Almanac: Warmer than normal, but slightly colder than winter of ‘06-‘07

Could this winter's weather add to our economic woes on Long Island?
As homeowners across the country pray for a mild winter to offset rising energy costs, the world-famous Farmers’ Almanac is warning us to prepare for the worst. “Numb’s the word!” is how the 192-year-old publication is predicting the upcoming winter season. For 2008–2009, the Farmers’ Almanac is forecasting a “numbing” winter, with below-average temperatures for at least two-thirds of the country. Only the Far West and Southeast will see near-normal temperatures. Few, if any, locations will enjoy many above-normal temperature days this upcoming season.

Snow?
Precipitation-wise, most of the South, as well as the Midwest, should experience above-normal conditions, while the rest of the nation will average close to normal. With below-normal winter temperatures and an above-normal precipitation forecast, the Great Lakes and Midwest will see above-normal snowfalls, especially during January and February. Above-normal precipitation is forecast for the Southwest during December 2008 and for the Southeast in January and February 2009. It should also turn out to be an unusually wet and/or snowy February across the Northeast and Mid-Atlantic.

The other long-range forecasts for the impending winter season were predicting mostly above-normal temperatures nationwide, with no prolonged spells of cold weather, and limited precipitation.

The Farmers’ Almanac, in contrast, predicted that it would be a "two-faced" winter, with warm and dry extremes balancing extremes of cold and wet. For those of you who live in the Midwest, northern New England, and parts of the West, last winter was anything but mild and warm. Snowfall records were broken, and winter seemed as if it would never end.

Highlights from last winter:

  • The average temperature across the contiguous U.S. during the climatological winter (December 2007–February 2008) was the coolest since 2001.
  • Above-average winter precipitation was the norm for the Midwest and parts of the West.
  • Snowfall was also above normal in northern New England, where some locations posted all-time record winter snow totals. (Find out which towns broke records).

Long-range weather predictions are created almost two years in advance and are based on a formula that has proven to be dependable. People who follow the forecasts claim the accuracy rate is about 80–85%.

For more details on last year and this year's weather, get the 2009 Farmers' Almanac.

Check out other major weather events accurately predicted by the Farmers’ Almanac

Tags: 203(k) loan, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, mold, snow, winter storm, cold winter, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, storm damage, weather, frozen pipes, heating, weather predictions

Is Your Home Safe?

Posted on Wed, Nov 05, 2008 @ 09:44 AM

Protecting your family from Fire and Carbon Monoxide is something that everyone needs to be aware of to ensure the safety of family members, in the event of an emergency.

Installing smoke detectors and carbon monoxide detectors is an easy way to protect your home and family. The National Fire Protection Association (NFPA) recommends one smoke alarm on every floor, in every sleeping area, and in every bedroom. In new construction, the smoke alarms must be AC powered and interconnected.

For additional coverage, it is recommended that you install a smoke alarm in all rooms, halls, storage areas, finished attics, and basements. Ensure there are no obstructions that could keep smoke from reaching smoke alarms.

Carbon Monoxide
A few days ago a family in Suffolk County, NY was exposed to carbon monoxide fumes. Installing carbon monoxide detectors is just as important as having smoke detectors in your home.

It is recommended to have a carbon monoxide alarm near sleeping areas, on every level of your home, and at least 15 feet away from your furnace.

Fire extinguishers should also be positioned on every level of your home.

Contact your local fire department for additional information.

Tags: disaster, 203(k) loan, smoke alarm, smoke detectors, fire restoration, floods, ny water damage company, puffbacks, restoration companies, 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, fire protection, smoke restoration, frozen pipes

Blackouts

Posted on Mon, Nov 03, 2008 @ 01:20 PM

Nor'easters can be devastating and damaging, especially in the winter months, when most damage is caused by heavy snow and icing. Nor'easters are known for bringing extremely cold air down from the Arctic air mass, and many times power will be lost in local communities.

Being prepared for emergencies is crucial at home, school, work and in your community. Short-term power outages, such as those caused by storms, are inconveniences but with good planning, you and those you care about will be ready to react accordingly.


Top Safety Tips for a Blackout

  1. Only use a flashlight for emergency lighting. Never use candles!
  2. Turn off electrical equipment you were using when the power went out.
  3. Avoid opening the refrigerator and freezer.
  4. Do not run a generator inside a home or garage.
  5. If you use a generator, connect the equipment you want to power directly to the outlets on the generator. Do not connect a generator to a home's electrical system.
  6. Listen to local radio and television for updated information.

If you would like more information about blackouts and how to deal with them, contact the power company that serves your area.

Tags: 203(k) loan, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, mold, snow, winter storm, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, storm, frozen pipes, nor'easter, blackouts, power outage

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.

Tags: 203(k) loan, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, structural drying, 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, moisture, water leaks, frozen pipes, water out

Puffbacks in Your Home

Posted on Fri, Oct 24, 2008 @ 04:31 PM

puffbacks,restoration,property damage restoration,puff-backs,puff back

Suffolk County, NY had a freeze warning yesterday, which means it's finally time to crank up the heat and ensure your heating system is working properly. As the colder months approach, there is the potential to 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.

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, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, contents cleaning, frozen pipes

Insurance Journal