Storm Damage: What to Do After a Loss

Heavy rains and winds recently pummeled the New York Metro area, causing major damage to many homes and businesses. If you experienced property damage, you need to know what to do after a loss.


If you suffer a loss, the first thing to do is to notify your insurance company or its agent. You can do this by telephone, although it is a good idea to follow up with written notification. Remember, if you give the notice to your broker, rather than directly to the insurance company, you still have a responsibility to make sure that the insurance company receives notice of your claim.

It is also important to notify your insurance company promptly after any incident takes place that might result in a claim at some later date, even though no claim was made at the time the event occurred.

For example, if your dog bites a neighbor or a guest falls on your property, it should be reported to the insurance company even though you don't know whether any claim is actually going to be made against you. Your failure to notify the company promptly might allow it to deny coverage in the event a claim if filed against you at a later date.

It is also important to protect your property against further damages. For example, if the windows are broken, have them boarded up to protect against further vandalism or burglary. The cost of this type of protection is covered by, and would be reimbursed by your insurance company.

However, no permanent repairs should be made until your company or its representative has inspected the property. The company has the right to inspect the property in its damaged state, and can refuse to pay you for any damage that is repaired before inspection.

An adjuster will be sent from your insurance company to examine the damage and give you an estimate of the cost of repairs or replacement. You should also get an estimate from your own contractor to compare with the insurance company's estimate. Your contractor will probably charge a fee for this service but might credit that fee to your bill if you hire that contractor to repair and/or replace your property.

If you need assistance, your agent, broker or insurance company sales representative should help you fill out the claim form and help gather the materials you need to substantiate your loss.

In the event you are unfortunate enough to experience a major loss such as a fire or severe windstorm which has badly damaged or destroyed your home, and you are not in a position to negotiate a settlement with your company, you may want to consult an attorney or call a licensed public adjuster to act on your behalf with your insurance company.

Public adjusters are licensed by the Insurance Department. They represent you and not the insurance company. They will help you in taking inventory of your loss, securing your home from vandalism, contacting your insurance company, advising you on the extent of your coverage and help you secure the services needed to repair or rebuild you home. They will negotiate on your behalf with the adjuster from the insurance company.

A public adjuster may not charge a fee more than 12.5% of the recovery amount and must get a signed compensation agreement from you in which the amount of compensation is clearly stated. Such agreement may be cancelled up to midnight of the third business day after the date on which you have signed the compensation agreement. In addition, public adjusters may not solicit your business between the hours of 6 p.m. and 8 a.m.

Another alternative to consider when an agreement cannot be reached between you and your insurance company is the appraisal process. Every homeowner, tenant, cooperative apartment and condominium policy issued in New York contains a provision whereby you and your company select a competent and disinterested appraiser. The two appraisers, in turn, select an umpire. Each appraiser must evaluate the loss and determine the value of each item. Any disagreements between the appraisers regarding the value of any items are submitted to, and settled by the umpire. The costs of this process are paid by the policyholder and the insurance company.



Source: NY State Insurance Department

Ten Tips to Keep Your Holiday Home Fire and Injury Free

Source:  USCPSC

Fires Lead the List of Hazards Related to Holiday Decorating

WASHINGTON, D.C.- As the holiday season approaches, the U.S. Consumer Product Safety Commission (CPSC) is urging consumers to make safety a factor in holiday decorating. Whether it is careful candle placement or checking the warning label on the holiday lights, simple safety steps can go a long way in preventing fires and injuries this year.

Annually, during the two months surrounding the holiday season, more than 14,000 people are treated in hospital emergency rooms due to injuries related to holiday decorating. In addition, Christmas trees are involved in hundreds of fires resulting in an average of 15 deaths and $13 million dollars in property damage annually. Candle-related fires lead the list of hazards averaging more than 12,000 a year, resulting in 150 deaths and $393 million in property damage.

“Holiday decorating-related fires and injuries most often involve defective holiday lights, unattended candles and dried-out Christmas trees,” said CPSC Chairman Inez Tenenbaum. “We are providing this list of 10 simple safety steps to help keep your holiday home safe.”

Use the following ten safety tips when decorating this year:

Trees and Decorations

When purchasing an artificial tree, DO look for the label "Fire Resistant." Although this label does not mean the tree won't catch fire, it does indicate the tree is more resistant to catching fire.

When purchasing a live tree, DO check for freshness. A fresh tree is green, needles are hard to pull from branches and do not break when bent between your fingers. The bottom of a fresh tree is sticky with resin, and when tapped on the ground, the tree should not lose many needles.

When setting up a tree at home, DO place it away from heat sources such as fireplaces, vents, and radiators. Because heated rooms dry out live trees rapidly, be sure to monitor water levels and keep the stand filled with water. Place the tree out of the way of traffic, and do not block doorways.

In homes with small children, DO take special care to avoid sharp, weighted or breakable decorations, keep trimmings with small removable parts out of the reach of children who could swallow or inhale small pieces, and avoid trimmings that resemble candy or food that may tempt a child to eat them.

Lights
Indoors or outside, DO use only lights that have been tested for safety by a nationally-recognized testing laboratory, such as UL or ETL/ITSNA.

Check each set of lights, new or old, for broken or cracked sockets, frayed or bare wires, or loose connections. Throw out damaged sets. DON’T use electric lights on a metallic tree.

If using an extension cord, DO make sure it is rated for the intended use.

When using lights outdoors, DO check labels to be sure the lights have been certified for outdoor use and only plug them into a ground-fault circuit interrupter (GFCI) protected receptacle or a portable GFCI.

Candles

Keep burning candles within sight. DO extinguish all candles before you go to bed, leave the room or leave the house.

DO keep lighted candles away from items that can catch fire and burn easily, such as trees, other evergreens, decorations, curtains and furniture.

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Intense Kitchen Fire Video-Must See!

Controlling Oil Fires...
Kitchen fires always increase around the holiday season. This video shows how a wet dishcloth can be a "one size fits all" lid to cover a fire in a pan! This is an eye opener... it demonstrates how to deal with a common kitchen fire ...oil in a frying pan.
Fire Fighting Training schools demonstrate this with a deep fat fryer set on fire fields. An instructor would put on a fire suit and using an 8 oz cup at the end of a 10-foot pole, toss water onto the grease fire. The results got the attention of the students. The water, being heavier than oil, sinks to the bottom where it instantly becomes superheated.

The explosive force of the steam blows the burning oil up and out. On the open field, it became a thirty foot high fireball that resembled a nuclear blast.

Inside the confines of a kitchen, the fire ball hits the ceiling and fills the entire room. Also, do not throw sugar or flour on a grease fire. One cup of either creates the explosive force of two sticks of dynamite.

This is a powerful message----watch the video and don't forget what you see.

See video:



Tell your whole family about this video. Or better yet, send this to them.
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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.

When disasters strike, Advanced Restoration is ready to respond 24 hours a day, 7 days a week.

Time to Light the Fireplace!

The holidays are just around the corner, and that means families will be entertaining around their fireplaces.

Fire safety is a primary ingredient to enjoying the holiday season.  Some firepalce tips include: 

Installation & Use

•Check the fireplace to make sure it complies with
the local building codes.
•Use protective devices like glass doors or a screen
which stops sparks.

•Install a removable cap on the chimney.

•Avoid using flammable liquids or garbage to start a fire.

•Clean out all flammable materials near the fireplace.

•Use only seasoned hardwood and approved fire tools.
Cleaning

•Make sure the previous ashes are cleaned out before starting a fire.

•Use non-combustible containers to remove ashes and remove immediately from the home.

•Fireplaces require annual inspections and cleaning by a certified chimney sweep.

•Regular maintenance is needed to remove obstructions and creosote.
Safety

•Only close the damper when the fire has completely gone out.

•Never leave a fire burning unattended.

Common Origins of Fire Damage

Fire Starters

Fires have their origins and are classified accordingly.  Like any other kind of manmade disaster they have a starting point. The following are the most common starting points of fire along with some description of how they generally start:

Electrical – fires that originate from this source are due to overblown fuses and short circuits that throw spark.  Frayed wires which overheat in time make combustion possible.  Improper wire connections within the house structure must be promptly corrected.  Many fires that come from an electrical source do not emit any flame at first to show that fire is present.  But a smoke coming from any electrical source should not be taken lightly because of the fact that electrically originated fires are not known to cause a full blown flame.

Candles – candles are normally used when electric power is out and during special occasions.  To be on the safe side, trim the candle’s wick once it gets too long making the flame too large. Remove any flammable material like paper, linen, etc that may be caught by the flame.  Always position the candle at a safe distance from wind blown curtains, and use appropriate candle holders that will hold the candle upright to prevent it from toppling and causing a fire.  Be sure to put off any lighted candles before going to sleep.

Smoking – it is better not to smoke inside the house, but if you do then make sure to use ashtrays and to put out the cigarette before you retire to sleep or rest.  Also make it a habit to throw your unlit cigarette butts into proper waste receptacles to avoid littering.

Cleanup and Restoration

In case of a fire disaster, most residential owners due to the lack of any financial resources may want to do the cleaning and restoration procedures by themselves along with the other family members.  While this may sound practical and cost saving, the truth is you are facing a very daunting task of cleaning up the mess and restoring the house to its pre-fire disaster condition, consequently spending more money than expected. 

It would also entail an unnecessary length of time to accomplish the task because you do not have the appropriate tools, equipment and gear necessary to do the job efficiently and properly.  It is commonly suggested that an expert or professional fire damage cleaner is hired to do the job.  For at least they have the experience, the knowledge, correct equipment and adequate manpower to engage with the after effects of the fire.  Just make sure that the professional fire damage cleaner you hire has all the legal documents and certificates to prove that they can do the task of proper cleaning and restoration.

Fire may be inevitable but with the steps and tips above, it can be prevented or at least, damages may be mitigated.

Source:  Restoration Resource
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Advanced Restoration is a preferred service provider for insurance companies and services the New York Metro area.  Emergency Service.... (800) 693-6263. 

Chimney Fire Safety In Your Home

Source:  NY State Office of Fire Prevention & Control

Chimney maintenance for wood burning appliances.




Chimneys are one of the most common locations of residential structure fires in New
York State. The Chimney Safety Institute of America reports that 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.


To keep your home safe from chimney fires follow these guidelines.

Maintenance - Good maintenance is a very important step in preventing chimney fires!


• Have your chimney checked every year by a qualified chimney professional.


• Burn only well seasoned hardwoods.


• Install a chimney cap.


• Install a carbon monoxide detector.


• Have your chimney sweep ensure that your chimney has an appropriate liner.


• Following a violent storm, earthquake, flood or lightening strike, have your chimney inspected for damage - inside and out.

Prevention - Remember prevention is your best defense against fire.


If you have a wood or coal stove, be sure it is installed at least 36 inches away from the wall. Keep combustible materials well away from the stove and chimney connector. Place an approved stove board under the unit to protect the floor from heat and hot coals which might drop out.

Be Prepared - Know what to do in case of fire. If you suspect a chimney fire, evacuate your home and call 9-1-1
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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.


When disasters strike, 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 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.

Disaster Kleenup International Is Hurricane Ready!

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, ww.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.

Homelite, Husky and Black Max Generators Recalled Due to Fire Hazard

Homelite, Husky and Black Max Generators Recalled Due to Fire Hazard; Sold Exclusively at Home Depot and Sam’s Club Stores

Another fire hazard recall was just released by the USCPSC...

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: Homelite, Husky and Black Max Brand Generators

Units: About 51,750

Distributor: Homelite Consumer Products Inc., of Anderson, S.C.

Hazard: The fuel gauge can leak excessive amounts of gasoline, posing a fire hazard to consumers.

Incidents/Injuries: None reported.

Description: This recall involves Homelite and Husky brand generators sold exclusively at Home Depot stores and Black Max brand generators sold exclusively at Sam’s Club stores. Affected generators include Homelite models HG3500, HG3510, HG5700 and HG5700R, Husky models HU3650, HUCA5700 and HUCA7000 and Black Max models BM10700A, BM10700B, BM10711A, BM10700DG, BM10700R, BM10700BR & BM10722G.

Generators included in this recall have manufacturing date codes between BML306-BMM151, CHL122-CHM151 and CRL153-CRM059. The model number and manufacturing date code are included on the data label located on the top or side of the generator engine. Products with a green “dot” on the outside of the package or a “silver dot” on the fuel gauge face are not included in the recall.

For more information, please click here.

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Advanced Restoration is a full service property damage restoration company located in Suffolk County, New York. Our professional staff is experienced in dealing with Fire Damage Restoration, Water Damage Restoration, Flood & Storm Damage, Mold Remediation, Smoke Damage Restoration and Reconstruction.

When Disaster Strikes...Advanced Restoration Responds!

Disasters can happen when you least expect it...

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.

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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 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.

Who Will Be Open For Business if Disaster Strikes?

Contact:Brenda O'Connor

(813) 675-1043

boconnor@ibhs.org

TAMPA – Large and small businesses alike are having a difficult time in the current economy and the Institute for Business & Home Safety (IBHS) is concerned many may not be open for business if disaster strikes.

According to the Association of Contingency Planners, Business Continuity Awareness Week was June 21-27, and IBHS wants business owners and managers to take advantage of free resources that are available to create business continuity plans that can help keep operations running when the unexpected happens.

In addition to minimizing the impact of severe weather events or problems such as a water main break or regional power outage, business continuity planning requires a thorough assessment of operations, which often yields additional benefits including opportunities to streamline functions or identifying areas for cost reductions.

IBHS outlines the following five steps to begin safeguarding operations:

1. Record basic information for employees, ownership, suppliers, vendors and key contacts.
2. Identify critical business functions (i.e., what is required to maintain income, keep a competitive advantage, and meet regulatory or contractual obligations?).
3. Scout alternate locations (i.e., where is the best site to resume operations?).
4. List what is needed to fulfill critical business functions at an alternate location, including records, critical telephone numbers, e-mail addresses, equipment, machinery and vehicles.
5. Identify equipment and services that workers will need, such as computer equipment and software, voice and data communications, and required office supplies.

The IBHS Open for Business® suite of resources is available in multiple formats on DisasterSafety.org and includes worksheets and checklists to help with development of your plan. There also is an online training series for those who prefer being walked-through the process one step at a time, with an option for reminder e-mail messages to keep planning on track.

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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.

When disasters strike, 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 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.

Own It...Then Make It Your Own

Did you know that Wells Fargo Home Mortgage has a Purchase & Renovate Loan?

The program offers financing that enables you to immediately turn the house you just bought into the home you always wanted. Add a bath, cook up a new kitchen, repai, renovate or extend- all with a single loan at attractive first mortgage rates.

Built-in benefits to make home improvements:

More Money

The loan amount is based on the value of your home after the home improvements have been made.

Lower Monthly Payments

Purchase and improvements are financed simultaneously, so renovation costs are spread out through the entire term of the loan.

Tax Benefits

Interest on renovation costs is included in the first mortgage, so it may be tax deductible.

Speed

Renovation can begin immediately after closing

Single-close Simplicity

Just one application, one set of fees and closing costs, one monthly payment.

Flexibility

No required improvements or restrictions on repairs, luxury items such as pools and spas may be included.

Options

Fixed and adjustable rate mortgage programs.

 

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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. Have us renovate your next home!

CPSC Alert: Air Compressor Recall Due to Fire Hazard

Campbell Hausfeld Recalls Air Compressors Due to Fire Hazard; Sold Exclusively at Wal-Mart

FOR IMMEDIATE RELEASE

June 17, 2009 Release # 09-245

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: Campbell Hausfeld Air Compressors
Units: About 16,000
Importer: Campbell Hausfeld, of Harrison, Ohio

Hazard: The compressor’s thermal overload, which shuts the unit off when it overheats, can fail. This can lead to overheating, melting of parts and a risk of fire.

Incidents/Injuries: None reported.

Description: The recall involves the Campbell Hausfeld model HU200099AV air compressor with a 20-gallon tank. The recall includes date codes ranging from January 2009 through June 2009. The model number and date code can be located on the back of the tank.

Sold at: Wal-Mart stores nationwide from January 2009 through June 2009 for about $250.
Manufactured in: China

Remedy: Consumers should immediately stop using the recalled air compressor and return it to any Wal-Mart for a full refund.

Consumer Contact: For additional information, contact Campbell Hausfeld at (800) 241-0448 between 8 a.m. and 4:30 p.m. ET Monday through Friday or visit the firm's Web site at www.chpower.com

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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.

Purchasing a Foreclosure Needing Repairs?

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.

Congrats to Gino Orrino...NY YIP Volunteer of the Year!

Congratulations to Gino Orrino from Advanced Restoration...




CONTACT: Melissa N. Cibelli, public relations specialistor Mary E. Christiano, director of communication (800) 424-4244Fax: (888) 225-6935E-mail: publications@pia.orgWeb site: www.pia.org/NY/FOR RELEASE: Jun. 8, 2009





Orrino named NY-YIP Volunteer of the Year





ATLANTIC CITY, N.J.–Gino Orrino, principal of Orrino Capital Services LLC in Corona, N.Y. received the New York Young Insurance Professionals Volunteer of the Year at the Professional Insurance Agents of New Jersey and New York Inc.’s Joint Annual Business Conference. The event was held at the Trump Taj Mahal Resort Casino in Atlantic City, June 7-9.
The award is bestowed by NY-YIP to an individual who is committed to improving the quality of events and programs of the organization by giving of their personal time so that others will benefit.





“Gino’s tireless commitment to NY-YIP is second to none,” said Amy Bryan, president of NY-YIP. “It is with great appreciation that we recognize him for what he’s done for our organization and industry.”





A NY-YIP member since 2005, Orrino is chairperson of the organization’s Events Committee. A major supporter of PIANY, Orrino is a member of the association’s Long Island Regional Awareness Program.





NY-YIP is an organization dedicated to the professional and personal growth of newcomers to the insurance industry. It is affiliated with PIANY, a trade association representing professional, independent insurance agencies and their employees throughout the state.

Disaster Strikes Your Business...Now What?

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!!!

HP Recalls Notebook Computer Batteries Due to Fire Hazard

Check Your Computer!
Office of Information and Public Affairs
Washington, DC 20207

FOR IMMEDIATE RELEASE
May 14, 2009
Release # 09-221

Firm’s Recall Hotline: (800) 889-2031CPSC Recall Hotline: (800) 638-2772CPSC Media Contact: (301) 504-7908

HP Recalls Notebook Computer Batteries 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: Lithium-Ion batteries used in Hewlett-Packard and Compaq notebook computers

Units: About 70,000

Importer: Hewlett-Packard Co., of Palo Alto, Calif.

Hazard: The recalled lithium-ion batteries can overheat, posing a fire and burn hazard to consumers.

Incidents/Injuries: The firm and CPSC are aware of two reports of batteries that overheated and ruptured, resulting in flames/fire that caused minor property damage. No injuries have been reported.

Description: The recalled lithium-ion rechargeable batteries are used with various HP and Compaq notebook computers.

Models that can contain a recalled battery include:

HP Pavilion:
dv2000
dv2500
dv2700
dv6000
dv6500
dv6700
dv9000
dv9500
dv9700

Compaq Presario:
A900
C700
F700
V3000
V3500
V3700
V6000
V6500
V6700

HP
G6000
G7000

HP Compaq
6720s

The notebook model is located at the top of the service label on the bottom of the notebook. Batteries that can be subject to the recall will have one of the following bar code labels (^ in the code can be any letter or number):

62940^^AXV^^^^
65033^^B7U^^^^65033^^B7V^^^^65033^^BGU^^^^
65035^^B7U^^^^65035^^B7V^^^^65035^^BGU^^^^65035^^BGV^^^^
67059^^V8U^^^^67059^^V8V^^^^

Sold at:
Computer and electronics stores nationwide, hp.com and hpshopping.com from August 2007 through March 2008 for between $500 and $3000. The battery packs were also sold separately for between $100 and $160.

Manufactured in: China

Remedy:
Consumers should immediately remove the recalled battery from their notebook computer and contact HP to determine if their battery is included in the recall and to request a free replacement battery. After removing the recalled battery from their notebook computer, consumers may use the AC adapter to power the computer until a replacement battery arrives. Consumers should only use batteries obtained from HP or an authorized reseller.

Consumer Contact: For additional information, visit the HP Battery Replacement Program Web site at http://www.hp.com/support/BatteryReplacement or call (800) 889-2031 between 7 a.m. and 7 p.m. CT Monday through Friday.

Media Contact: Sheila Watson at (281) 514-6552 or sheila.watson@hp.com

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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.

When disasters strike, 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 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.

What is a Certified Restorer?

Fire Damage, Smoke Damage, Water Damage, Mold Remediation...

There are numerous Restoration companies throughout Long Island and the New York Metro area, but only a handful hold the title of Certified Restorer (CR). Disaster recovery is essential to any property structure, and Certified Restorers have the experience and ability to ensure all aspects of property damage are handled with the utmost professionalism. Advanced Restoration Corporation is one of the primary companies on Long Island with the CR designation.

Certified Restorer

The Certified Restorer program is a week-long master's course in damage repair offered to experienced contractors and restorers. The program's objective is to raise committed restorers to a higher level of professional ability.

The course addresses both buildings and personal property and is based on the structure and nature of materials, with the effects of various perils. A section on restoration theory addresses the mechanisms by which residue odors are removed. Toxic contamination, allergic response, water damage, contracts and insurance are also covered. The Certified Restorer course is widely recognized as the pre-eminent training program in damage repair.

Experience

All candidates to the Certified Restorer (CR) Program must be actively involved in restoration work at the time of application and have 3 or more years of active experience in disaster damage restoration as a technician, supervisor or estimator. The company or employer must be a member in good standing of RIA International.

Education

CR candidates must have attended one NIDR or WLI seminar or an RIA convention in the 12 months preceding the CR school.

Candidates must complete the Certified Restorer School and successfully pass the written examination with a score of 80% or better.

Ethics Quiz

Candidates must complete an Ethics Quiz administered by the course instructor or a designated member of the CR Committee. A thorough understanding of the NIDR Code of Ethics and the Certified Restorer Code of Conduct is required.

Formal Report

On completion of the class, candidates must prepare a formal report or a thesis on an approved research topic.

Maintaining Certified Restorer Status

Certified Restorers must participate in a recertification program and maintain current membership in RIA International in order to retain their CR status. All CR continuing education is based on a three-year continuous cycle. Cycles for newly inducted CRs begin on the January 1 following the date of induction. All CRs are required to participate, and all required points must be earned within the time frame.

For more information on the Restoration Industry Association's advanced designations: CR, WLS, CRS, CMH, CMP and CFS, please contact the RIA Education Department at 443-878-1000.

______________________________________

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.

Advanced Restoration is also an expert in partnering with mortgage companies and families buying homes on Long Island. We are experienced in dealing with FHA approved 203 (k) loans associated with foreclosures, as well as streamlined 203(k) loans. For more information on having Advanced Restoration become your 203(k) contractor, please contact Gary Matzelle at (516) 903-4107.

Coffeemaker Fire Recall Alert-Walgreens

Source: CPSC
Office of Information and Public Affairs
Washington, DC 20207
FOR IMMEDIATE RELEASEApril 6, 2009Release #09-184
Firm's Recall Hotline: (877) 546-4835CPSC Recall Hotline: (800) 638-2772CPSC Media Contact: (301) 504-7908

Atico International USA Recalls Coffeemakers Sold Exclusively At Walgreens 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: Signature Gourmet™ 12-Cup Programmable Coffeemakers and Kitchen Gourmet® 10-Cup Coffeemakers
Units: About 500,000
Distributor: Atico International USA Inc., of Fort Lauderdale, Fla.
Hazard: These coffeemakers can ignite due to an electrical failure, posing a fire hazard.
Incidents/Injuries: Atico International USA, Inc. has received 23 reports of coffeemakers igniting, resulting in property damage. No injuries have been reported.

Description: This recall involves the following coffeemakers:

Name: Kitchen Gourmet® 10-CupCoffeemaker
Color: White
Model: # XQ-673K
Item#: W14A3714

Name: Signature Gourmet™ 12-CupProgrammable Coffeemaker
Color: Black
Model: XQ-673BTorCM4193D
Item#: W14A5084

The name of the coffeemaker is printed on the front of the unit. The model number and the item number are printed on a sticker located on the bottom of the unit.

Sold at: Walgreens stores nationwide: the Signature Gourmet™ 12-Cup programmable coffeemaker from June 2004 through March 2009 for about $20 and the Kitchen Gourmet® 10-Cup coffeemaker from August 2006 through December 2008 for about $10.
Manufactured in: China

Remedy: Consumers should immediately unplug and stop using the recalled coffeemaker and contact Atico International USA for instructions on returning the product for a full refund.
Consumer Contact: Consumers should call Atico International USA toll-free at (877) 546-4835 between 9 a.m. and 5 p.m. ET Monday through Friday, or visit the company’s Web site at www.aticousa.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.
When disasters strike, 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 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.

Foreclosure Rescue Scams-HUD News Release

Source: HUD No. 09-033
Melanie Roussell (202) 708-0685 www.hud.gov/news/
For Release Monday
April 6, 2009


FEDERAL, STATE PARTNERS ANNOUNCE MULTI-AGENCY CRACKDOWN TARGETING FORECLOSURE RESCUE SCAMS, LOAN MODIFICATION FRAUD

Civil Enforcement Cases, State Enforcement Actions, Alert to Financial Institutions Among New Efforts to Protect American Homeowners Seeking Relief



WASHINGTON - As homeowners and communities throughout the country continue to face devastating consequences from the deep contraction in the economy and the housing market, the Obama Administration today announced a new coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times. The new effort announced today aligns responses from federal law enforcement agencies, state investigators and prosecutors, civil enforcement authorities, and the private sector to protect homeowners seeking assistance under the Administration's Making Home Affordable program from criminal actors looking to perpetrate predatory schemes.



The U.S. Department of the Treasury, the U.S. Department of Justice (DOJ), the Department of Housing and Urban Development (HUD), the Federal Trade Commission (FTC), and the Attorney General of Illinois today discussed new initiatives to coordinate information and resources across agencies to maximize targeting and efficiency in fraud investigations, alert financial institutions to emerging schemes, step up enforcement actions and educate consumers to help those in financial trouble avoid becoming the victims of a loan modification or foreclosure rescue scam.

See full article...
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Advanced Restoration Corporation is a full-service restoration contractor with the ability to provide complete Rehabilitation & Restoration services to your new home! Water Damge? Mold? Structural Damage? We provide the expertise and knowledge to partner with you and your mortgage company today.



For more information about how Advanced Restoration can work with you on becoming the restoration contractor for your FHA 203(k) loan, please contact Gary Matzelle at (800) 693- 6263.

203(k) Re-hab/Restoration Loans- What Can You Do?

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.