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

Emergency Water Extraction Services: Long Island and New York City

Posted on Fri, Nov 18, 2011 @ 09:47 AM

water extraction,water removal,long island,new york city,drying equipment,response time,emergency services

One of the worst things that can happen is having an insurance claim due to a pipe break or water heater malfunction that causes a water intrusion to flood your basement or saturate your home or office.  Advanced Restoration's Disaster and Emergency Response Time minimizes the property damage that can be caused by a flood.  Our emergency water extraction services have assisted many homes and buildings throughout Long Island and New York City. 

We Perform Emergency Water Extraction / Water Removal Services Due All Forms of Water Instrusions.

Whether it is standing water or water trapped in the building materials, it is 500 times faster to physically remove the water by extracting than it is to evaporate it using structural drying equipment.

Why Thorough Water Extraction / Removal Is Necessary:

  • Reduces the overall costs for complete restoration

  • Minimized the chance of future mold growth

  • Reduces the need to replace saturated building materials including carpet, padding, and sheetrock

  • Claims get closed faster

  • Reduces the disruption of the home or building owner

Increases customer satisfaction

Advanced Restoration's Emergency Water Extraction Crew
 
 
More Water Extraction Performed by Advanced Restoration
 
 
 

 

Tags: disaster, extraction, wet building materials, drying equipment, response time, long island, water damage, structural drying, emergency, water extraction, water removal, new york city

"A Brief Guide to Mold, Moisture, and Your Home"

Posted on Wed, Mar 31, 2010 @ 10:00 AM

The recent storms that hit the Northeast have caused major flooding and property damage to homes and businesses. The aftermath of the storms have property owners dealing with mold and moisture issues. 

Mold Basics...

The key to mold control is moisture control.
If mold is a problem is in your home, you should clean up the mold promptly and fix the water problem. It is important to dry water-damaged areas within 24-48 hours to prevent mold growth. 

  

Why is mold growing in my home?

Molds are part of the natural environment.  Outdoors, molds play a part in nature by breaking down dead organic matter such as fallen leaves and dead trees, but indoors, mold growth should be avoided.  Molds reproduce by means of tiny spores; the spores are invisible to the naked eye and float through outdoor and indoor air.  Mold may begin growing indoors when mold spores land on surfaces that are wet.  There are many types of mold, and none of them will grow without water or moisture.

Can mold cause health problems?

Molds are usually not a problem indoors, unless mold spores land on a wet or damp spot and begin growing.  Molds have the potential to cause health problems. Molds produce allergens (substances that can cause allergic reactions), irritants, and in some cases, potentially toxic substances (mycotoxins).  Inhaling or touching mold or mold spores may cause allergic reactions in sensitive individuals.  Allergic responses include hay fever-type symptoms, such as sneezing, runny nose, red eyes, and skin rash (dermatitis). Allergic reactions to mold are common.  They can be immediate or delayed.  Molds can also cause asthma attacks in people with asthma who are allergic to mold. In addition, mold exposure can irritate the eyes, skin, nose, throat, and lungs of both mold-allergic and non-allergic people.  Symptoms other than the allergic and irritant types are not commonly reported as a result of inhaling mold.  Research on mold and health effects is ongoing.  This brochure provides a brief overview; it does not describe all potential health effects related to mold exposure. For more detailed information consult a health professional.  You may also wish to consult your state or local health department.

How do I get rid of mold?

It is impossible to get rid of all mold and mold spores indoors; some mold spores will be found floating through the air and in house dust.  The mold spores will not grow if moisture is not present.  Indoor mold growth can and should be prevented or controlled by controlling moisture indoors.  If there is mold growth in your home, you must clean up the mold and fix the water problem.  If you clean up the mold, but don't fix the water problem, then, most likely, the mold problem will come back.

 

Mold Tips: 

Fix plumbing leaks and other water problems as soon as possible.  Dry all items completely.

Scrub mold off hard surfaces with detergent and water, and dry completely.

Absorbent or porous materials, such as ceiling tiles and carpet, may have to be thrown away if they become moldy.  Mold can grow on or fill in the empty spaces and crevices of porous materials, so the mold may be difficult or impossible to remove completely.

Avoid exposing yourself or others to mold.

Do not paint or caulk moldy surfaces.  Clean up the mold and dry the surfaces before painting.  Paint applied over moldy surfaces is likely to peel.

If you are unsure about how to clean an item, or if the item is expensive or of sentimental value, you may wish to consult a specialist.  Specialists in furniture repair, restoration, painting, art restoration and conservation, carpet and rug cleaning, water damage, and fire or water restoration are commonly listed in phone books.  Be sure to ask for and check references.  Look for specialists who are affiliated with professional organizations. For more information on mold, visit the EPA website.

Source: Environmental Protection Agency

 

 

Tags: disaster, water extraction long island, ny water damage company, structural drying, flooding, flood long island, mold, groundwater, black mold, advanced restoration, advanced restoration corporation, mold remediation, homeowner tips, flood damage, flood, storm damage, catastrophe, nor'easter

Flooding Rains Will Soak New York, New Jersey and Long Island

Posted on Thu, Mar 11, 2010 @ 08:32 PM

March 11 (Bloomberg) -- A slow-moving storm will drop as much as 4 inches (10 centimeters) of rain on New York City starting tonight and lasting until next week, according to the National Weather Service.

Manhattan is forecast to receive about 3.5 inches, while other parts of the city may get a half-inch more, said Joe Pollina, a weather service meteorologist in Upton, New York.

"We do expect some urban flooding," Pollina said by telephone. "The city and parts of Long Island could see ponding on roadways, with roads closed due to flooding."

Flood watches and warnings extend from Long Island to Indiana, according to the weather service. Rivers and streams across the region, including Connecticut, the lower Hudson River valley and New Jersey, could swell their banks, Pollina said.

"It just seems to be a rather slow-moving storm," Pollina said. "It is just hanging around. Rain will start tonight, continuing through Sunday and we even have showers forecast through Monday. It doesn't dry out until Tuesday."

--Editors: Charlotte Porter, David Marino

To contact the reporter on this story: Brian K. Sullivan in Boston at [email protected]

To contact the editor responsible for this story: Dan Stets at [email protected]

Tags: wind damage, long island, floods, ny water damage company, water damage, structural drying, flooding, nassau county restoration, babylon, advanced restoration corporation, long island water damage, suffolk county restoration, water extraction, flood damage, flood, water, ny

New York: Being Prepared for the Unexpected!

Posted on Thu, Feb 25, 2010 @ 02:52 PM


Emergency Preparedness 
Emergency preparedness is no longer the sole concern of earthquake prone Californians and those who live in the part of the country known as "Tornado Alley." For Americans, preparedness must now account for man-made disasters as well as natural ones. Knowing what to do during an emergency is an important part of being prepared and may make all the difference when seconds count.  Heavy snow is expected to hit the Northeast today. 

Blizzards, heavy snow, freezing rain and sub-zero temperatures hit hard and frequently across the state. Even if you think you are safe and warm at home, a winter storm can become dangerous if the power is cut off. With a little planning, you can protect yourself and your family from the many hazards of winter weather, both at home and on the road.

BE AWARE OF THE FORECAST

  • Winter weather advisory. Formerly called a "travelers' advisory," this alert may be issued by the National Weather Service for a variety of severe conditions. Weather advisories may be announced for snow, blowing and drifting snow, freezing drizzle, freezing rain (when less than ice storm conditions are expected), or a combination of weather events.
  • Winter storm watch. Severe winter weather conditions may affect your area (freezing rain, sleet or heavy snow may occur either separately or in combination).
  • Winter storm warning. Severe winter weather conditions are imminent.
  • Freezing rain or freezing drizzle. Rain or drizzle is likely to freeze upon impact, resulting in a coating of ice glaze on roads and all other exposed objects.
  • Sleet. Small particles of ice, usually mixed with rain. If enough sleet accumulates on the ground, it makes travel hazardous.
  • Blizzard warning. Sustained wind speeds of at least 35 miles per hour are accompanied by considerable falling and/or blowing snow. This is the most perilous winter storm, with visibility dangerously restricted.
  • Wind chill. A strong wind combined with a temperature slightly below freezing can have the same chilling effect as a temperature nearly 50 degrees lower in a calm atmosphere. The combined cooling power of the wind and temperature on exposed flesh is called the wind-chill factor.

BE PREPARED AT HOME

  • Keep a battery-powered radio and flashlights in working order; stock extra batteries.
  • Store food that can be prepared without an electric or gas stove.
  • Stock emergency water and cooking supplies.
  • Have candles and matches available in case of a power outage.
  • Have sufficient heating fuel; regular fuel sources may be cut off.
  • Have some kind of emergency heating equipment and fuel (a kerosene heater, a gas fireplace or wood-burning stove or fireplace) so you can keep at least one room of your house warm if power is cut off. (See the fact sheet "Staying Warm in an Unheated House.")

RIDING OUT A STORM AT HOME

If you are isolated at home, listen to the radio or television for updates on weather conditions. Conserve fuel by keeping your house cooler than usual and by temporarily "closing off" heat to some rooms. When emergency heating methods must be used, maintain adequate ventilation to avoid build-up of toxic fumes. (See the fact sheet, "Staying Warm in an Unheated House.")

Dress accordingly. Layer your clothing; many layers of thin clothing are warmer than single layers of thick clothing. If you need to go outdoors or the heat is off indoors, wear mittens; they are warmer than gloves. Wear a hat; most body heat is lost through the top of the head. Cover your mouth with scarves to protect your lungs from directly inhaling extremely cold air.

If shoveling snow isn't critical, don't do it. If you must shovel snow, take your time and lift small amounts. Over-exertion can bring on a heart attack - a major cause of death during and after winter storms.

Stay safe and stay warm!

Related Article:  Ice Dams and Your Home

Source: NASD

Tags: disaster, long island, water damage, structural drying, flooding, nassau county restoration, snow, winter storm, ice damage, advanced restoration, long island water damage, restoration, homeowner tips, flood, moisture, storm damage, storm, frozen pipes, nor'easter, ice storm

Disaster Kleenup International (DKI) Going Green

Posted on Thu, Jan 07, 2010 @ 02:37 PM

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, disaster kleenup international in ny

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.

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Disaster Kleenup International Is Hurricane Ready!

Posted on Thu, Aug 20, 2009 @ 09:42 AM

Disaster Kleenup International, North America's largest disaster restoration contracting organization is fully prepared to assist in hurricane preparation and disaster planning for the possible U.S. landfall of Hurricane Bill. Bill became the first hurricane of the season on Monday morning.

To aid with storm preparation, DKI has created an informational website, www.hurricanecatastrophe.com.

The site, created in the wake of previous major hurricanes, offers numerous tips for property owners and managers on how to prepare weeks and months before a storm hits, what to do when a storm is identified as being on a path to potentially affect one's property, and how to protect one's own personal safety. The website also assists property owners and managers in taking inventory of their situation after the storm has left, and identifies sources of appropriate relief.

Additionally, there are helpful links to aid agencies and other resources, such as FEMA, the American Red Cross, and DKI, that can deliver necessary aid. In addition to the information on the website, DKI also has a 24-hour call center available to assist property owners who require emergency services. DKI's national catastrophe response unit maintains the industry's largest inventory of emergency services equipment and the largest labor pool in the U.S.

For those seeking to prepare before a storm, DKI also works collaboratively with property owners and managers to develop pre-disaster plans to further mitigate the costs of future catastrophes. For more information on DKI, visit www.hurricanecatastrophe.com, or contact our national account team at: 1.877.354.3566. To request emergency services in the wake of a disaster, call the DKI's Immediate Response Line 24 hours a day, 365 days a year at 1.888.735.0800. For a DKI member company in the New York Metro area, call Advanced Restoration Corporation at (800) 693-6263.

Advanced Restoration Corporation is located on Long Island. They are a 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. Their service area includes Long Island (Nassau County, NY; Suffolk County, NY) and the New York Metro area.

When disasters strike, Advanced Restoration is ready to respond 24 hours a day, 7 days a week. Their immediate response to a claim/property loss helps minimize the damages to the structure, contents, and ease the sometime catastrophic effect that a disaster may have on an owner or occupants.

 

Advanced Restoration is a preferred service provider for
insurance companies and real estate professionals.

For Emergency Service, call (800) 693-6263.

Tags: disaster, fire restoration, water damage, structural drying, mold, advanced restoration, reconstruction, restoration, water extraction, emergency service, flood damage, home repair

Purchasing a Foreclosure Needing Repairs?

Posted on Wed, Jun 17, 2009 @ 03:31 PM

You see the perfect home in a Long Island neighborhood, and the house is a foreclosure. The exterior of the home is nice, but the inside has water damage, structural damage and mold. You want to buy this house and the selling price is excellent...What are your options as a homebuyer? Will you be able to "close" on a home that is in disrepair?

Of course you can...

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 FHA 203(k) mortgage 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.

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

The 203(k) Program is somewhat complicated and you must deal with an FHA approved lender, however, the program will allow you to obtain a mortgage and incorporate the necessary repairs into one mortgage payment. In addition, when selecting a general contractor to perform the rehab, you need to ensure the company is familiar with the 203k process and appropriate forms required. Streamlined 203k loans are also available for rehab/ home repairs under $35,000.

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 partner with various mortgage companies and have experience with contractor requirements associated with a 203 (k) loan.

For more information on partnering with an experienced 203(k) company ready to rebuild your dream house, contact Gary Matzelle at (516) 903-4107. Our service area includes: Nassau County, Suffolk County, Queens, Manhattan, Staten Island, Brooklyn and The Bronx.

Tags: disaster, foreclosure, 203(k) loan, fire restoration, restoration companies, water damage, structural drying, toxic mold, advanced restoration, homeowner tips, disrepair, flood damage, home repair

Disaster Strikes Your Business...Now What?

Posted on Mon, Jun 08, 2009 @ 03:43 PM

You own a business in New York (on Long Island) and you think "it" will never happen to you...

2:30AM...An electrical short sparks a small fire inside the walls of your building.

2:35AM...Dust, framing and insulation immediately catch fire and burn intensely.

2:45AM...Tremendous heat from the now out-of-control blaze sets off the sprinkler system.

3:15AM...The fire department arrives and begins putting out the flames.

4:30AM...The fire is out, but there is immense fire, smoke and water damage.

6:30AM...You arrive at your office to find out your building and contents are severely damaged by water, fire and smoke.

Now What???
Having the proper insurance in the event of a disaster (from flooding and water damage to storm and wind damage) is essential to ensure your business will be able to continue after property damage occurs.

Insurance Coverage
Inadequate insurance coverage can lead to major financial loss if your business is damaged, destroyed or simply interrupted for a period of time. Insurance policies vary, check with your agent or provider.

Meet with your insurance provider to review current coverage for such things as physical losses, flood coverage and business interruption.

  • Understand what it covers and what it does not.
  • Understand what your deductible is, if applicable.
  • Consider how you will pay creditors and employees.
  • Plan how you will provide for your own income if your business is interrupted.
  • Find out what records your insurance provider will want to see after an emergency and store them in a safe place.

Knowing who to call in the event of a disaster is also essential to get your business back up and running with minimal downtime. Ensure you have a pre-established relationship with a full service property damage restoration company. This will allow you to mitigate damage to your property structure, as well as minimaize business disruption.

One more thing....Never let your insurance lapse!!!

Tags: disaster, fire restoration, structural drying, flooding, burn hazard, fire prevention, smoke damage, advanced restoration, reconstruction, restoration, suffolk county restoration, disrepair, flood

It's Cold Out...Stay Warm & Be Safe!

Posted on Wed, Jan 14, 2009 @ 04:58 PM

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:

Fire Prevention
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.

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Ice Storm: NY State Insurance Dept. Activates Disaster Hotline

Posted on Tue, Dec 16, 2008 @ 05:38 PM

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:

See below...

New York State
Insurance
Department
NEWS
RELEASE
Contact:
Public Affairs
(212) 480-5262

www.ins.state.ny.us

Eric R. Dinallo Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004
ISSUED 12/15/2008
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.

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