What You Need to Know
Although puff backs are primarily caused by oil burners, they are still often perceived as overlooked problems at home. Malfunctions that cause the combustion chamber inside the oil burner to explode are triggered by an oil burner that isn’t functioning properly. Due to the oil vapors which are present inside and the fast ignition of the built-up gases, explosions could be caused. This may seem like a harmful and frightening situation. However, if the fumes made by the malfunctioned gas burners revert back to the vents and air ducts in your home, this becomes even more dangerous. This will lead to poor indoor air quality and can heavily affect the air circulation as well.
Anything that comes into contact with the fumes will be covered in petroleum based particles and soot when that malfunction happens. There is a misconception that puff backs basically mean that dust is being blown back. However, the proper definition is that it is a release of oil-based particles that can do much more damage compared to dust.
When it comes to puff backs, there are primarily two ways they can spread: either they spread rapidly or they can spread gradually. Often times, puff backs manifest themselves as dark circles that appear on your ceilings, walls and furniture. This makes it hard to notice there is actually an on-going problem happening. You might even think that they are just finger prints from dirty fingers. Though it may seem like dirt or dust, when you try removing it, you will realize that it is actually oil-based and cannot be removed easily.
On the other hand, there are also times when puff backs are extremely rapid. In just a short span of time, this may cause severe damage to your property and your house as well. When this happens, you will notice that everything will start to get covered by soot and you should take the necessary precautions since a potential explosion can occur.
How to Handle Puff Back Situations
Keep in mind that you need to act quickly so that you can minimize the damage if you notice any sort of puff back. When it comes to restorations in terms of what has been damaged by puff back residue and soot, the best thing to do is to hire a restoration service professional. However, if you don’t have the means to hire a professional restoration service, there are still a few ways you can handle the situation yourself. Always remember to wear a protective mask and the right disposable clothing so you can prevent direct contact with the toxic soot.
Checking the furnace and the oil burner is the very first thing you should inspect. Testing if these things are working properly should be your priority since this may very well be the primary source of the problem. In the event you don’t know what to do in terms of how to inspect the furnace or oil burner, it is highly recommended that you seek the help of a professional technician. Eliminating the source of the problem before treating its effects should be one of the first things you should do. The malfunctioning oil burner is the main source of the problem and you should be able to distinguish this as you go through the motions. From here, you can take the necessary steps to remedy the problem.
If you have a gas leak inside your house, it can lead to higher levels of carbon dioxide that can be extremely hazardous to your family’s health. This situation may also be considered as a puff back. The carbon dioxide levels must be tested if you are experiencing dizziness or nausea when you are inside your house.
Installing carbon dioxide monitors is advisable so that the carbon dioxide levels can be tested frequently. When you notice carbon dioxide levels increasing slowly, this is a clear indicator of a gradual puff back and this need to be addressed until it worsens. Make sure you take the initiative and inspect if there are any problems with your oil burners or if there are any gas leaks when you start seeing that the levels of carbon dioxide in your house are rising.
Puff Back Restoration Services
Professional puff back restorations offer various services, including specialized vacuuming services. Since ordinary vacuums cannot clean puff backs, professional services use a heavy duty vacuum to remove the soot from the surface and store it instead of allowing it blow out into the air. Another service would be structural cleaning, which restores your house to its original state if the whole house or parts of it is affected by puff backs. The extreme options would be demolition or a complete shut down if the majority of the property is affected.
Upholstered furniture and carpets are prone to soot since it is an oil-based material. Hence, this will make it difficult to remove on your carpets and upholstered furniture. Restoration services should be able to remove the soot using their specialized methods. Moreover, since a smoky odor may be emitted by puff backs as well, puff back restoration services apply odor removal processes to eliminate the odor from the affected areas. If a puff back adheres to your clothes, the best thing to do would be to ask restoration services to wash and dry clean them so they can be restored to their original state. Even if you think you can wash the clothes on your own, you may not have the cleaning agents and the necessary appliances to clean the clothes well.
Preventive Tips on How to Deal with Puff Backs
When it comes to puff backs, the best thing to do is to implement preventive measures. To be able to make sure that you won’t fall victim to puff backs, it is highly advisable to make routine checks on your oil burners and furnace. Acting immediately by getting in touch with a restoration service as soon as possible to minimize the extent of the damage is another important thing to do if you find yourself in a dire puff back situation.
It is highly recommended that you expand your knowledge about puff backs and puff back services even if you already have the basics about them. Since you already know what to look out for and what to do when a puff back situation arises, you should be able to handle the situation effectively and efficiently. Always remember that if you find yourself having a soot or puff back problem, a puff back restoration service is just a phone call away.
Property Damage & Disaster Restoration Blog: Long Island & New York City
What You Need to Know
If your home or office has experienced fire or water damage, you may want to seek a professional that can help you repair and restore your building.
Natural disasters, such as floods and fires can leave commercial and residential buildings with mold and smoke damage. Both are major contributors to property loss and need to be taken care of in order to save the structural integrity of your house or building.
Water damage can either be immediate, such as flooding, or be more gradual, such as water spots on hardwood floors or even walls. However slow or fast water damage occurs, it is important to remove any carpet, dry the area and hire a professional for removal or extraction in case of mold. Restoration can include everything from inspection of the area to asses where the source is and how much damage has occurred, cleaning and sanitizing the area, and deodorize any smells. All this is done with special equipment.
If you have experienced fire damage that has left smoke stains, ceiling damage, or lots of soot, this too needs to be dealt with by a professional restoration company. Fire damage can be covered by fire insurance, so make sure to check if you can get any financial help to cover losses.
When damage has occurred to your home or office, whether in the basement or on the roof, you need to seek professional help to restore damage and save your property. Damage can easily spread, and if not handled properly can cause worse problems.
What is DKI?
Disaster Kleenup International, Inc. is a network of the leading, independent property damage restoration contractors across North America. DKI member companies (see www.AdvancedRestoration.com in New York) 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.
Tags: disaster, property damage, fire restoration, ny water damage company, puffbacks, flooding, nassau county restoration, dki, burn hazard, fire prevention, smoke damage, christmas tree fire, advanced restoration, long island water damage, reconstruction, suffolk county restoration, emergency service, disrepair, disaster kleenup international, flood damage, smoke restoration
Wood Dale, IL - Disaster Kleenup International (DKI), North America's largest disaster restoration contracting organization, announced today that they are the first organization to have achieved the Green Risk ProfessionalTM designation established by Vale Training Solutions.
DKI made the decision to partner with Vale Training Solutions for Green Risks training in response to the market's demand for green building. DKI is the leading provider of quality emergency and reconstruction services for commercial, residential and insurance clients throughout North America and the curriculum provided in Vale's Green Risks courses has allowed DKI to continue at the forefront of industry trends.
"We have pioneered this movement by being the first and only disaster restoration and reconstruction organization to be green risk certified in building reconstruction and restoration services," said Dale Sailer, president of DKI. "DKI understands that in today's marketplace, individuals and organizations continually strive to do their part in building or creating green environments."
Property owners understand the long term advantages of 'going green' and insurance carriers have responded with green coverage for new environmentally sustainable construction or renovation following a loss.
Jon McCreath, President of Vale Training Solutions, says "As more carriers offer green coverage, independent adjusters, restoration professionals, and engineers must be adequately trained and possess the expertise and professionalism necessary to understand the makeup of green construction and building products, rating systems and insurance coverage."
McCreath continued, "GRPTM adjusters and restoration professionals provide the expertise necessary when buildings are insured with 'upgrade to green' endorsements or where restoration/repairs include green measures to replace damaged traditional products" DKI is the only Green Certified Services Organization that is adequately trained to provide a superior level of knowledge, expertise, professionalism and customer service to property owners, managers, facility directors, and insurers of green buildings. Not only does DKI understand the makeup of green buildings, products used in green buildings, rating systems and insurance coverage as it relates to these elements, but DKI can ensure that if a green building sustains damage, the building will be restored using the most efficient green products in the marketplace.
Disaster Kleenup International, Inc., headquartered in suburban Chicago, is the largest disaster restoration contracting organization in North America. DKI member companies provide full service restoration to their customers: emergency response, water damage mitigation, fire and contents cleaning, mold remediation, complete reconstruction and much more, 24 hours a day, 365 days a year. DKI returns damaged property to its pre-loss condition quickly and efficiently, delivering complete satisfaction to our consumer, insurance, and corporate customers. For more information about Disaster Kleenup International, Inc., contact Michele Donahue at (630) 741-7262. Advanced Restoration Corporation is a DKI Member Company that services the New York Metro area. If you require Emergency Service in New York, please call (800) 693-6263.
Tags: property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, structural drying, flooding, nassau county restoration, dki, babylon, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, emergency service, homeowner tips, restoration company, disrepair, rebuild, disaster kleenup international
The Consumer Product Safety Commission recently published Release #09-104, which focuses on a recall related to oil-fired furnaces that may result in a fire hazard.
NEWS from CPSC
U.S. Consumer Product Safety Commission
Office of Information and Public Affairs
Washington, DC 20207
FOR IMMEDIATE RELEASE January 22, 2009 Release #09-104
Firm's Recall Hotline: (800) 577-3960CPSC Recall Hotline: (800) 638-2772CPSC Media Contact: (301) 504-7908
Rheem Recalls to Repair Oil-Fired Furnaces Due to Fire Hazard
WASHINGTON, D.C. - The U.S. Consumer Product Safety Commission, in cooperation with the firm named below, today announced a voluntary recall of the following consumer product. Consumers should stop using recalled products immediately unless otherwise instructed.
Name of Product: Rheem, Ruud and United Refrigeration Oil-Fired Furnaces
Units: About 14,000
Manufacturer: Air Conditioning Division of Rheem Manufacturing Co., of Fort Smith, Ark.
Hazard: If the furnace is not properly wired, the oil burner can continue to operate when the blower shuts off, posing a fire hazard to consumers.
Incidents/Injuries: Rheem has received one report in which the furnace was incorrectly wired. No injuries or property damage have been reported.
Description: This recall involves oil-fired furnaces sold under the Rheem, Ruud and United Refrigeration brands. Only the models beginning with the model numbers listed in the chart below and with date codes ending in 0106 through 5206, 0107 through 5207, or 0108 through 4808 are included in this recall. The model number and date code (designated by the four digits following an “M” in the middle of the serial number) are printed on the unit’s rating plate, which is on the left wall of the furnace’s interior just above the burner. The rating plate can be found by opening the unit’s burner access door, which has slotted openings.
See Model Number/ Brand & Description
Rheem Classic/Ruud Achiever High Efficiency Upflow Oil Furnace
Rheem Classic/Ruud Achiever High Efficiency Downflow/Horizontal Oil Furnace
United Refrigeration “Thermal Zone” Upflow Oil Furnace
United Refrigeration “Thermal Zone” Downflow/ Horizontal Oil Furnace
Contractors nationwide to consumers from January 2006 through December 2008 as part of installed systems for between $1,500 and $10,000.
Manufactured in: United States
Remedy: Consumers should immediately contact the contractor who installed the oil furnace to arrange for a free inspection and repair, if necessary.
Consumer Contact: For additional information, contact Rheem at (800) 577-3960 between 8 a.m. and 5 p.m. CT Monday through Friday, or visit the firm’s Web site at www.rheemac.com.
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. Call (800) 693- 6263 for additional information, or visit us on the web at www.AdvancedRestoration.com.
Tags: disaster, property damage, fire restoration, puffbacks, nassau county restoration, burn hazard, fire recall, advanced restoration, advanced restoration corporation, suffolk county restoration, emergency service, restoration company, fire protection, cpsc recall, smoke restoration, heating
Advanced Restoration: Emergency Response Partnership Plan (ERPP)
Help Us Help You!
Knowing who to call for help when your company's Business Continuity Plan gets activated is just as important as having a disaster plan. At Advanced Restoration, we understand that an unforeseen event impacting a property structure can be devastating to the occupants of the structure.
That is why we offer our Emergency Response Partnership Plan (ERPP). When a property loss occurs, valuable time is usually lost from when the situation occurred to the subsequent time taken by occupants to determine how to proceed, or who to call. Having a plan in place saves crucial time, valuable belongings, and minimizes business disruption!
Benefits of Advanced Restoration’s ERPP:
There is no cost to partner with us.
We maintain your company information in the event of an emergency.
Most insurance carriers give you a discount if you have an Emergency Response Plan signed on file.
Reduced downtime/business disruption for your home or office.
Fosters business continuity.
Prevents fires or water damages from turning into mold problems.
Our Pledge to You:
Advanced will answer all emergency calls 24 hours a day, 7 days per week.
Guaranteed response to an issue. We will never put you on a waiting list.
Advanced will maintain set pricing throughout our partnership.
Advanced agrees to provide all necessary tools, equipment, and materials to perform emergency services including board-up, temporary repairs, water extraction and drying, and other loss mitigation as required.
Advanced agrees to provide fully trained and experienced Project Managers, technicians and laborers to handle the particular type of emergency.
Advanced agrees to maintain adequate commercial general liability, commercial automobile liability, environmental liability and workers compensation insurance.
Advanced agrees to keep all information pertaining to the emergency confidential unless otherwise required by law, or for the protection of public safety.
Arctic air is expected to hit the New York Metro area by tomorrow, and is expected to last until Sunday. Many Homeowners will be using various heating sources to stay warm, including electric heaters and fireplaces. Fire safety is essential to your family and should be discussed with all members of your household.
Heating equipment is among the leading causes of home fires nationally and in New York State. Very often heating related fires are the result of a lack of maintenance or simple acts of carelessness. Following the guidelines below will help to ensure that you reduce the possibility of experiencing a heating related fire.
Fire tips from NY State's Office of Fire Prevention and Control include:
To prevent fires, keep furnishings and other combustibles 36 inches from all heating sources. A heating source too close to combustibles is the leading cause of fires due to home heating. Store matches and other fire starting appliances out of the reach of children. Fires started by children often have tragic results.
Follow Proper Maintenance
Proper maintenance and an annual inspection of heat pumps, furnaces, space heaters, wood and coal stoves, fireplaces, chimneys and chimney connections by qualified specialists can prevent fires and save lives. Follow the manufacturer’s instructions for installation, venting, fueling, maintenance and repair.
Review the owner's manual to make sure you remember the operating and safety features.
- Space Heaters – When using portable heaters, do not place them where it is possible for small children or pets to fall against them or to receive a contact burn. Avoid the use of extension cords with electric heaters. Always turn off space heaters before leaving the room or going to bed.
- Fuel Burning Appliances – When taking a heater out of storage in the fall, install batteries and inspect the shut off mechanism and wick for proper operation. Fill the tank with fresh fuel. Let the heater cool down before refueling. Adding fuel to a hot heater can start a dangerous fire.
- Wood Burning Appliances and Fireplaces – Do not burn trash in the wood stove or fireplace. Burn only well-seasoned hardwoods. Be sure the fire you build fits your fireplace or stove, don’t overload it. Be sure wood stoves are installed at least 36 inches away from the wall. Keep combustible materials well away from the fireplace, stove and chimney. Keep the area around them clean. Always use a fireplace screen to prevent sparks from leaving the fireplace and starting a fire. Never leave a fire unattended.
- Chimneys - 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.
- Ashes – Keep wood stoves and fireplaces free of excess ash buildup. Excessive ash buildup prevents good circulation of air needed for combustion. When removing ashes, use a metal container with a tight-fitting cover. Always place ashes in an outside location away from structures. Ashes that seem cool may contain a smoldering charcoal that can start a fire.
Advanced Restoration is a full service property damage restoration company and is trained to respond to all aspects of fire, smoke damage and water damage that can occur after a fire. Call us at (800) 693-6263 for more information, or visit our website at www.AdvancedRestoration.com.
We are truly committed to Making Disaster Temporary and Restoration Permanent.
Tags: smoke alarm, preventing frozen pipes, property damage, fire restoration, puffbacks, water damage, structural drying, flooding, burn hazard, cold winter, advanced restoration, advanced restoration corporation, long island water damage, restoration, water extraction, emergency service, restoration company, storm damage, fire protection, smoke restoration, heating
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/.
Tags: disaster, fire restoration, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, flooding, mold, burn hazard, puff-back, advanced restoration, advanced restoration corporation, mold remediation, suffolk county restoration, water extraction, emergency service, flood damage, flood, fire protection, contents cleaning, smoke restoration, heating
It's no secret that many homes across the country, including New York, have been placed into foreclosure because of the economy. As a result, some homes become neglected over time and develop situations that subsquently require a restoration company to perform repair work. Initiating necessary foreclosure repairs for a property can be accomplished by a potential homeowner applying for a mortgage related to the 203(k) Program.
The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance programs like a 203(k) mortgage. These programs operate through FHA-approved lending institutions which submit applications to have the property appraised and have the buyer's credit approved. These lenders fund the mortgage loans which the Department insures. HUD does not make direct loans to help people buy homes.
The Section 203(k) program is the Department's primary program for the rehabilitation and repair of single family properties. As such, it is an important tool for community and neighborhood revitalization and for expanding homeownership opportunities.
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 Section 203(k) 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. At this point the lender has a fully-insured mortgage loan.
Advanced Restoration Corporation is a full service property damage restoration company that has the abiltiy to execute all necessary repairs to a property that qualifies for a 203(k) loan.
For more information on the 203(k) program, contact Continental Home Loans:
Wendy Doerzbacher-Mortgage Planner
Continental Home Loans
175 Pinelawn Rd.-Ste 400
Melville, NY 11747
(800) 540-8838 Ext. 4140
(516) 982-6339 Cell
This information is designed to be of general interest and should not be considered legal advice. The specific information discussed may not apply to you. Before acting on any matter contained herein, you should consult with your personal legal adviser.
Tags: foreclosure, 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, mold, black mold, puff-back, mortgage, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, disrepair, home repair, frozen pipes
On December 18th, the U.S. Consumer Product Safety Commission sent out a Recall Alert related to Chef's Mark Cookware sets.
U.S. Consumer Product Safety Commission
Office of Information and Public Affairs
Washington, DC 20207
December 18, 2008Alert #09-714
Article Source: U.S Consumer Product Safety Commission
Fingerhut Recalls Chef’s Mark Cookware Sets Due to Burn Hazard
The following product safety recall was voluntarily conducted by the firm in cooperation with the CPSC. Consumers should stop using the product immediately unless otherwise instructed.
Name of Product: Chef’s Mark® 15 piece cookware sets
Units: About 9,000
Importer: Fingerhut Direct Marketing, of Eden Prairie, Minn.
Hazard: The handles on the cookware can break, posing a burn hazard to consumers.
Incidents/Injuries: Fingerhut has received six reports of handles breaking including three reports of minor burn injuries to consumers.
Description: This recall involves Chef’s Mark® 15 piece cookware sets with model number 515 and Fingerhut product code H6637. The model number and product code are printed on the cookware’s packaging. The non-stick cookware has red, green, black, blue or purple exteriors, black handles, glass lids and came with spoons, spatulas and ladles.
Sold exclusively by: Fingerhut catalogs and Fingerhut.com from January 2008 through October 2008 for about $80.
Manufactured in: China
Remedy: Consumers should stop using the cookware immediately and contact Fingerhut to receive a free repair kit. Fingerhut is directly contacting purchasers.
Consumer Contact: For additional information, contact Fingerhut toll-free at (866) 931-5417 between 8 a.m. and 5 p.m. CT Monday through Friday, or visit the firm’s Web site at www.fingerhut.com
The U.S. Consumer Product Safety Commission is charged with protecting the public from unreasonable risks of serious injury or death from thousands of types of consumer products under the agency's jurisdiction. The CPSC is committed to protecting consumers and families from products that pose a fire, electrical, chemical, or mechanical hazard. The CPSC's work to ensure the safety of consumer products - such as toys, cribs, power tools, cigarette lighters, and household chemicals - contributed significantly to the decline in the rate of deaths and injuries associated with consumer products over the past 30 years.
To report a dangerous product or a product-related injury, call CPSC's hotline at (800) 638-2772 or CPSC's teletypewriter at (800) 638-8270, or visit CPSC's web site at
www.cpsc.gov/talk.html. To join a CPSC email subscription list, please go to https://www.cpsc.gov/cpsclist.aspx. Consumers can obtain this release and recall information at CPSC's Web site at www.cpsc.gov.
Tags: 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage restoration, nassau county restoration, mold, burn hazard, fire recall, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, smoke restoration, frozen pipes
The New York State Insurance Department just sent out a news release related its Disaster Hotline, which was activated due to an ice storm that hit multiple counties in upstate New York:
New York State
Eric R. Dinallo Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004
FOR IMMEDIATE RELEASE
INSURANCE DEPARTMENT ACTIVATES DISASTER HOTLINE
The New York State Insurance Department today activated its toll-free Disaster Hotline to assist property owners affected by the ice storm that struck 16 Upstate counties and left thousands of New Yorkers without power, Superintendent Eric Dinallo said.
The Insurance Department's Disaster Hotline number is 1-800-339-1759. The hotline is staffed by personnel from the Department's Consumer Services Bureau on weekdays between 8 a.m. and 5 p.m.
"Consumers who have storm-related damage and are having difficulty dealing with their insurance company or understanding their coverage should give the hotline a call," Dinallo said. "We are available to help New Yorkers work through the claims process with their insurance companies in the event they need help."
Dinallo urged homeowners and business operators to make every effort to protect their homes and businesses from further damage. This includes reviewing insurance policies for important information related to electric utility interruptions. Coverage for power failure is generally excluded in a homeowners policy. However, coverage may be available for damage occurring during the restoration of electricity by such events as electrical power surges.
Commercial property policies generally exclude coverage for power or utility service failure if the failure occurs outside the premises. There may also be waiting periods in policies before business interruption coverage is triggered. It is important for these property owners to confer with their insurance agent to determine the extent of coverage available.
Following are some typical questions and answers consumers may find helpful:
What damage to your home is covered?
Damage caused by wind, wind-driven rain, trees or other falling objects, as well as the collapse of a structure due to the weight of ice or snow, is covered under most standard homeowner policies. The repair of pipes frozen as the result of extreme cold weather may not be covered if damage is due to negligence, such as failing to maintain an adequate temperature in the house.
What damage to your home is not covered?
Many policies do not cover losses of any type incurred as the result of a flood, costs associated with the removal of a fallen tree (unless the tree lands on your home), food spoilage expenses created by an off-premises power outage, and water damage resulting from backed-up drains or sewers. Some insurers offer endorsements (additional protection that may be purchased) for certain coverage not included under a standard homeowner policy. Consumers should check with their insurance agent or company to determine their needs.
What should I do after damage to a car or an accident?
Damage to automobiles due to falling ice or trees is covered under your comprehensive automobile insurance policy. In the event of an accident while driving on icy roads, call your insurance agent or insurance company with your policy number and other relevant information as soon as possible, although you have 30 days in which to report the accident. Be sure you cooperate fully with the insurance company and ask your agent what documents, forms and data you will need.
Tags: disaster, 203(k) loan, property damage, fire restoration, floods, ny water damage company, puffbacks, restoration companies, water damage, water damage restoration, structural drying, mold, ice damage, black mold, puff-back, advanced restoration, advanced restoration corporation, long island water damage, mold remediation, reconstruction, restoration, suffolk county restoration, water extraction, home repair, frozen pipes, ice storm