Experts In Disaster Restoration, Insurance Claims Involving Property Damage, and the Reconstruction of Homes / Buildings Due to Water Damage and Fire Damage...
Property Damage & Disaster Restoration Blog: Long Island & New York City
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.
About DKI 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.
As if we need more snow, another storm is expected on Friday. Whenever there is snow, you are guaranteed to have troublesome ice dams to follow. Ice dams can cause major water damage and flooding to your home, which requires immediate attention. As winter advances through cycles of freezing and thawing, buildings and homes experience ice buildup and roof damage. In general, ice dams are formed when attic heat moves up to warm the roof and melts snow at or near the ridge. Snow melts, runs downward and hits the edge of the cold roof, resulting in re-freezing snow. These cycles cause ice to accumulate and back up under shingles. Damage appears in the form of soaked insulation, stained, cracked and damaged sheet rock, damp, smelly, rotting wall cavities and stained, blistered and peeling paint.
Preventing Ice Dams To prevent an ice dam, don't heat the roof, keep it cold. That way, the snow on the roof eventually dissipates without making large amounts of meltwater. The underside of the roof deck should not exceed 30 F. The best way to maintain low temperatures is by ensuring that there is adequate insulation and sealing gaps that let warm air pass into the attic from the house. The attic must also be ventilated, so that cold air is introduced into it and heated air escapes rapidly. Some remodeling contractors are under the impression that heat passing through the attic helps prevent ice dams, when just the opposite is true. Although excess heat moving from the attic through the roof rapidly melts snow, once the meltwater touches the cold eaves, it quickly freezes and forms an ice dam.
If you have a furnace in the attic, it may not be possible to prevent ice dams. Increased insulation, however, should help. First, insulate the areas between the roof rafters. It is important to keep an air space between the roof deck and the insulation in order to prevent a condensation buildup that can delaminate the roof deck. Prior to insulating, install polystyrene rafter air channels, which are available at home centers. Next, lay insulation blankets over the furnace's heating ducts to help reduce the heat buildup in the attic. If there's a hatchway into the attic, build a cover for it out of rigid poly-styrene insulation.
If the gable and ridge vents do not generate sufficient air movement to dissipate the heat, you will need a motorized vent at one end of the attic to exhaust the heat, and an adequately sized vent on the opposite end of the attic to draw in cold air from the outside.
Check your home carefully when ice dams form. Investigate even when there doesn't appear to be a leak. Look at the underside of the roof sheathing and roof trim to make sure they haven't gotten wet. Check the insulation for dampness. And when leaks inside your home develop, be prepared. Water penetration often follows pathways difficult follow. Don't just patch the roof leak. Make sure that the roof sheathing hasn't rotted or that other less obvious problems in your ceiling or walls haven't developed. And then detail a comprehensive plan to fix the damage. But more importantly, solve the problem.
If you experience water damage that requires a water damage/flood restoration expert, please contact Advanced Restoration at (800) 693-6263. Advanced Restoration is a full service property damage restoration company that can respond 24/7 to your water damage situation. We use state-of-the-art equipment to handle structural drying. Our professional staff is also available to handle mold situations that may occur as a result of a water loss. Our service area includes Nassau County, Suffolk County and the New York boroughs. Enjoy the snowfall and stay dry!
Heavy winds are pounding Long Island today and the National Weather Service has issued a Wind Advisory for parts of New York.
During a severe storm or a hurricane, homes may be damaged or destroyed by high winds. Debris can break windows and doors, allowing high winds inside the home. In extreme storms, the force of the wind alone can cause weak places in your home to fail.
Some helpful tips regarding wind damage and preparing for storms are listed below:
The Roof During a windstorm, the force of the wind pushes against the outside of your home. That force is passed along from your roof to the exterior walls and finally to the foundation. Homes can be damaged or destroyed when the energy from the wind is not properly transferred to the ground. The first thing you should do is determine what type of roof you have. Homes with gabled roofs are more likely to suffer damage during a hurricane. A gabled roof looks like an A on the ends,with the outside wall going to the top of the roof. The end wall of a home with a gabled roof takes a beating during a hurricane or wind storm, and those that are not properly braced can collapse, causing major damage to the roof.
Exterior Doors and Windows The exterior walls, doors, and windows are the protective shell of your home. If your home's protective shell is broken, high winds can enter and put pressure on your roof and walls, causing damage. You can protect your home by strengthening the doors and windows.
Double Entry Doors Most double doors have an active and an inactive or fixed door . Check to see how the fixed door is secured at the top and bottom. The bolts or pins that secure most doors are not strong enough. Some door manufacturers provide reinforcing bolt kits made specifically for their doors. Check with your local building supplies retailer to findout what type of bolt system will work for your door.
Double-wide Garage Doors Double-wide (two-car) garage doors can pose a problem during storms because they are so large that they wobble as the high winds blow and can pull out of their tracks or collapse from wind pressure. If garage doors fail, high winds can enter your home through the garage and blow out doors, windows, walls, and even the roof.
Check the track on your garage door. With both hands, grab a section of each track and see if it is loose or if it can be twisted. If so, a stronger track should be installed.
Storm Shutters Installing storm shutters over all exposed windows and other glass surfaces is one of the easiest and most effective ways to protect your home. You should cover all windows, French doors, sliding glass doors, and skylights. There are many types of manufactured storm shutters available. For more information on manufactured shutters, check with your local building supplies retailer. If you install manufactured shutters, follow the manufacturer's instructions carefully.
The recommendations discussed here are not intended to replace local building code requirements or to serve as the only options for protecting your home from hurricane wind damage. For more information on protecting your home from hurricane wind damage, contact your local building official; your local building supply retailer; or a building professional.
Advanced Restoration is a property damage restoration company that is trained and ready to respond to any disaster situation, including wind damage to your home or business. We are a preferred vendor for many insurance carriers and have been serving Long Island and the NY Metro area for 20 years.
Do you have a property damage situation you need help with? Call us today at (800) 693-6263!
If you are thinking about purchasing a foreclosure in disrepair (needs rehabilitation), you should look into applying for an FHA 203k loan. The 203k program is HUD'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. Listed below are some general questions & answers regarding 203k loans to help you better understand the 203k concept:
Is the Section 203(k) program restricted to single-family dwellings? No. The program can be used for one-to-four unit dwellings. Maximum mortgage limitations are the same as for properties under Section 203(b). Can Section 203(k) be used to improve a condominium unit? Yes, however, condominium rehabilitation is subject to the following conditions: A. Owner/occupant and qualified nonprofit borrowers only; B. Rehabilitation is limited only to the interior of the unit. Mortgage proceeds are not to be used for the rehabilitation of exteriors or other areas which are the responsibility of the condominium association, except for the installation of firewalls in the attic for the unit; C. Only the lesser of five units per condominium association, or 25 percent of the total number of units, can be undergoing rehabilitation at any one time; D. The maximum mortgage amount cannot exceed 100 percent of the after-improved value. After rehabilitation is complete, the individual buildings within the condominium must not contain more than four units. By law, Section 203(k) can only be used to rehabilitate units in one-to-four unit structures. However, this does not mean that the condominium project, as a whole, can only have four units or that all individual structures must be detached.
Example: A project might consist of six buildings each containing four units, for a total of 24 units in the project and, thus, be eligible for Section 203(k). Likewise, a project could contain a row of more than four attached townhouses and be eligible for Section 203(k) because HUD considers each townhouse as one structure, provided each unit is separated by a 1 1/2 hour firewall (from foundation up to the roof). Similar to a project with a condominium unit with a mortgage insured under Section 234(c) of the National Housing Act, the condominium project must be approved by HUD prior to the closing of any individual mortgages on the condominium units.
Can a six (or more) unit building be done using the 203(k) program? No. However, the building could be renovated and reduced to a four unit building.
Can nonresidential (storefront) property be eligible for a 203(k) insured loan? Yes. Mixed-use residential property is acceptable provided the property has no greater than 25% (for a one story building); 33% (for a three story building); and 49% (for a two story building) of its floor area used for commercial (storefront) purposes. The rehab funds can only be used for the residential functions of the dwelling and areas used to access the residential part of the property. Can HUD-owned properties be purchased using the 203(k) loan? Yes. However, the property must be advertised that it is eligible for financing with a 203(k) loan. If the HUD-owned property is purchased with other funds, a 203(k) loan can be made after the property is in the buyers name. In this case, cash back will be allowed to the borrower for a period of six months from purchasing the HUD-owned property. Can an investor use the 203(k) program? No. In October, 1996, the Department placed a moratorium on investor participation in the 203(k) Rehabilitation Mortgage Program.
Can a local government agency or a nonprofit organization use the 203(k) program? Yes. The same qualification requirements will be used as for an owner-occupant of the property.
What is the definition of a First-Time Homebuyer? A single person or an individual and his or her spouse who have not owned a home (as a tenant in common or as a joint tenant by the entirety) during the three years immediately preceding the date of application for the 203(k) loan. Any individual who is legally separated or divorced cannot be excluded from consideration, because the three-year waiting period does not apply, provided the individual no longer has an interest in the home.
You are purchasing a home that needs minor repairs (repairs under $35,000 qualify for a streamlined loan). Incorporating the rehab into your mortgage payment allows you to have just one payment. Some highlights include:
Loan amounts up to 110% of the home's appraised value; renovation amounts up to $35,000.
No work write-up, no inspection required if repairs are less than $15,000 and no HUD consultant required.
There is no longer a minimum of $5,000 in repairs for a 203K Streamline.
On a 203K Streamline, up to 50% of the rehab amount can be requested immediately following the closing. After closing the work can start.
For a 203K Streamline, there is a maximum of 2 draws per contractor.
Loan can be used for many improvements, including repair/replacement of: roofs, plumbing, electrical, flooring, minor remodeling, windows, doors, etc.
Available for mortgage refinance transactions including those where the property is owned free and clear.
203K Streamlined Loans are available through HUD approved lenders. For more information on how Advanced Restoration can be your 203k contractor, please contact Gary Matzelle at (516) 903-4107.
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.
In late June, 2009 a vehicle crashed into a building in Deer Park, NY. The Suffolk County Police, Deer Park Fire Department and other public agencies responded within minutes.
The driver of a Buick Eighty-Eight sedan was injured after the car was involved in an accident in which it struck a smoke shop. The car hit the Kristy Smoke Shop on Deer Park Avenue, and the driver was taken to Good Samaritan Hospital Medical Center by the Deer Park Fire Department Ambulance with unknown injuries, and there were no injuries to anyone in the store.
Also responding to the scene within minutes was Advanced Restoration Corporation. Advanced Restoration staff had the primary responsibility to immediately secure the building and partner with local officials, ensuring the structural integrity of the building.
Advanced Restoration staff also worked closely with the tenant of the building, the insured and the insurance company to mitigate damages and take the appropriate action to begin the restoration process.
This video depicts Advanced Restoration's actions associated with restoring this building back to "normal", allowing the business owner to re-open the smoke shop in a timely manner.
To find out more information on how you can partner with Advanced Restoration, call us at (800) 693-6263, or visit us on the web at www.AdvancedRestoration.com.
Advanced Restoration Corporation is a full-service 203(k) restoration contractor with the ability to provide complete Rehabilitation & Restoration services to your new home! We work closely with all FHA approved lenders and are committed to providing professional service throughout the NY Metro area.
For more information about mortgage companies authorized to generate FHA 203(k) loans, please contact Gary Matzelle at (800) 693- 6263 or send an email to [email protected]
Pursuing an FHA 203(k) loan enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.
The extent of the rehabilitation covered by a 203(k) may range from relatively minor (minimum of $5000 in cost) to virtual reconstruction: a home that has been demolished or will be restored as part of rehabilitation is eligible.
Section 203(k) insured loans can finance the rehabilitation of the residential portion of a property that also has non-residential uses; they can also cover the conversion of a property of any size to a one-to-four unit structure.
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
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 are affiliated with various mortgage companies and have experience with contractor requirements associated with a 203 (k) loan.
For more information on partnering with an experienced company ready to rebuild your dream house, contact Gary Matzelle at (516)903-4107. Service area includes: Nassau County, Suffolk County, Queens, Manhattan, Staten Island, Brooklyn and The Bronx.
We service Long Island (Nassau County, NY; Suffolk County, NY, the Hamptons & East End) and the New York City areas.
When Disaster Strikes, 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 your property damage claim helps minimize the damages to the structure, contents, and ease the sometime catastrophic effect that a disaster may have on an owner or occupants.
Our company is dedicated to serving our clients with courteous and prompt service. We take the utmost pride in the craftsmanship of our work. As certified specialists in water mitigation and fire/smoke restoration, we have the knowledge, expertise and experience to deal with all types of property damage. Our professional staff is also trained in all aspects of mold remediation and damage appraisals.
Do You Have A Flooded Basement Due to the Recent Storms of 2011?
Our Disaster and Emergency Response Teams serving Long Island and New York City can minimize your property damage and help get your home or business back to normal.
Choose Building Deconstruction. The Green Alternative to Demolition on Long Island
Advanced Restoration Corporation is proud to partner with The Reuse People (TRP) on all our Building Deconstruction projects to make the Long Island Community the Leader in Building Deconstruction and Building Material Reuse in New York and throughout the rest of the country.
We are the TRP-Certified Building Deconstruction Contractor on Long Island.
The Long Island Insurance Golf League has been the place to golf and network for the Long Island Insurance Community for over 25 years. Insurance Agents, Brokers, Adjusters, and Claims Managers of all handicaps are all welcome to participate.
The Insurance Golf League is a 9 Hole League that plays every Wednesday from April through August. An end of the year we hold an 18 hole outing complete with dinner to celebrate the year and league awards will be handed out.
Because You Can!
You are thinking about buying a home foreclosure on Long Island, but the properties you are looking at need serious rehabilitation.
The 203(k) Rehab Program is available through FHA approved lenders and is available in New York.
Pursuing an FHA 203(k) loan enables homebuyers and homeowners to finance both the purchase (or refinancing) of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.
