
Tuesday, December 30, 2008
Home Restoration Repairs: 203(k) Program/Rehabilitation Mortgage

Tuesday, December 23, 2008
On December 18th, the U.S. Consumer Product Safety Commission sent out a Recall Alert related to Chef's Mark Cookware sets.
Recall Alert
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
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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.
Tuesday, December 16, 2008
Ice Storm: NY State Insurance Dept. Activates Disaster Hotline

See below...
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.
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.
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.
Monday, December 15, 2008
Fire & Smoke Restoration Video
ADVANCED RESTORATION IN ACTION
Advanced Restoration Corporation, a full-service property damage restoration company, has been in business for over 20 years and provides complete Restoration and Reconstruction services across Long Island and the NY Metro area.
Our expertise includes all aspects of Fire & Smoke Restoration, Water Mitigation and Mold Remediation. The attached video represents the quality workmanship Advanced Restoration provides our customers on every completed project.
Our objective is to be a lifeline to clients and provide prompt, courteous and personalized service. To ensure we are meeting customer expectations and providing the highest quality service available, our project managers consistently communicate with a client throughout the restoration process. We also conduct a feedback survey upon the completion of any service.
Advanced Restoration is a member of multiple industry associations, including: NYARM, BOMA, PIA, YIP, IICRC, NARI, NIDR and RIA. We are licensed in Nassau and Suffolk County, as well as the five boroughs of New York City.
At Advanced Restoration, we are truly committed to Making Disaster Temporary and Restoration Permanent. Please contact us with any questions regarding our services at (800)693-6263.

Tuesday, December 9, 2008
Going Green Around the Holidays

Every day, more and more Long Island businesses and homeowners are "going green" in order to provide a healthier environment for residents of Nassau & Suffolk County.
The world has a fixed amount of natural resources, some of which are already depleted. So as population growth greatly strains our finite resources, there are fewer resources available. If we intend to leave our children with the same standard of living we have today, we must preserve the foundation of that standard of living. Saving clean air, water, fuel sources and soil for future generations is essential, and everyone needs to start thinking green.
Some of the greatest threats to future resources come from things we throw away everyday. Household batteries and electronics often contain dangerous chemicals that may, if sent to a local landfill, leak through the bottom barrier and pollute the groundwater. This can contaminate everything from the soil in which our food grows, to the water which will eventually come out of aquifers and into our tap water. Many of these chemicals cannot be removed from the drinking water supply, nor from the crops that are harvested from contaminated fields. The risks to human health are tremendous and educating the public will help to alleviate those risks.
Simple ways to increase the energy efficiency of a home during the building or remodeling process include:
Lights
Turn off unnecessary lights , indoors and outdoors, to conserve electricity. Install lighting timers or sensors to automatically turn off lights when not needed.
High-Efficiency Heating/Cooling System
Installing high efficiency heating and cooling equipment also conserves electricity. Use programmable thermostats to minimize energy use, especially when no one is home.
High-Efficiency Windows and Appliances
High-efficiency windows reduce heating and cooling costs by minimizing the impact the outside environment has on a home.
Low-Water Consumption Fixtures
Low-consumption or dual-flush toilets, low-consumption or waterless urinals, and low-flow bathroom, sink and shower faucets all help to reduce water use.
Fluorescent Bulbs
Using compact, fluorescent bulbs use less power and last longer than conventional bulbs.
Advanced Restoration recently joined various green organizations and is looking to explore green relationships in New York with other business entities.
Thursday, December 4, 2008
'Tis The Season: Christmas Tree Fires

Preventing Christmas Tree Fires
Caring for Your Tree
Disposing of Your Tree
Inspect holiday lights each year for frayed wires, bare spots, gaps in the insulation, broken or cracked sockets, and excessive kinking or wear before putting them up. Use only lighting listed by an approved testing laboratory.
Do Not Overload Electrical Outlets
Do not leave holiday lights on unattended.
Holiday Decorations
Use only nonflammable decorations. All decorations should be nonflammable or flame-retardant and placed away from heat vents.
Never Put Wrapping Paper in a fireplace. It can result in a very large fire, throwing off dangerous sparks and embers and may result in a chimney fire.
Ensure working smoke alarms are installed on every level of your home, test them monthly and keep them clean and equipped with fresh batteries at all times. Know when and how to call for help. And remember to practice your home escape plan.
Advanced Restoration Corporation
Tuesday, December 2, 2008
Property Damage: Flooding/Water Damage

By Pat Moore
The very recent horrific flooding situations throughout the United States and the rest of the world exemplify how disastrous extreme water damage can be. Along with the tragic loss of life came almost irreparable physical property damage.
DAMAGE ASSESSMENT
ELECTRONIC EQUIPMENT RECOVERY
It is possible to remove hundreds of gallons of water from thousands of square feet in a facility over a 24-hour period by dehumidifying moist air through the use of high efficiency refrigeration or desiccation techniques. Restoration specialists use dehumidification equipment in conjunction with overhead fire sprinklers and fire detection sensors to provide the maximum protection for expensive telephone switches or electronic data processing environment.
SICK BUILDING SYNDROME
A proper and thorough damage assessment, performed by a certified industrial hygienist and decontamination of the HVAC systems is critical to insure the building will be returned to the proper criteria of clean for re-occupancy.
VITAL RECORDS RECOVERY
Using proper hygiene methods, washing away accumulated mud, sewage and dirt must be completed prior to freezing to avoid additional damage. Do not attempt to pull documents apart while wet. Remove all documents in blocks, if possible, so you do not increase deterioration. Leave a space about the size of your fist in the packing box for proper air circulation. Once the documents are frozen and/or in cold storage, choose the proper drying method of either freeze-drying through sublimation or descicant drying. (It is important to point out that, depending upon the degree of water damage and volume of documents, both processes can require substantial time (generally a minimum of 7 - 10 days, and quite a bit longer in a regional disaster).
MAGNETIC MEDIA RECOVERY
Improper handling of wet microfilm, such as allowing it to dry on its spool, can result in data loss as well. Keep silver or emulsion films wet in clean cold water and immediately contact your microfilm service bureau or film-processing lab to mobilize recovery operations. It can be assumed that the archival quality of microfilm has been compromised once it has been restored, and therefore you will always want to duplicate these records, and store the originals off-site.
FINE ARTS RECOVERY
Through preparedness, training and mitigation, we can greatly reduce the billions of dollars being spent today on trying to salvage flood damaged homes and businesses.