Monday, March 22, 2010
Storm Damage: 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
Wednesday, August 5, 2009
Advanced Restoration: Water Problem Solvers


Our client's basement was recently flooded after very heavy rains hit Long Island. The customer had previously asked numerous restoration/plumbers/water proofing companies to come and locate the source of the water (which may be an issue with insurance coverage). None of the companies contacted by the client were able to find where the water intrusion was coming from. Advanced Restoration subsequently received a call from the agent/client asking for help.
The Solution
Advanced Restoration's Eric Martin immediately responded with two Senior Structural Estimators to the site to review the situation and find the source of the water intrusion. After a comprehensive assessment of the situation, they located the water source in 20 minutes!
As a full service restoration company, Advanced Restoration is ready to respond to all aspects of
a disaster situation, including fire and smoke damage, water/flood damage, mold and structural damage. For more information, call (800) 693-6263, or visit us on the web at
Monday, July 27, 2009
Drowning in Water Damage?

Another wet weekend in New York and water is seeping into your basement! Heavy rain is just one way you may get wet when you least expect it.
Water damage arises from fire damage, broken pipes, blocked drains, malfunctioning appliances, storms and other causes. The appropriate treatment on the nature of the damage. Some water carries contaminents and should be considered hazardous.
Whatever the origin, the prospects for restoration depend largely on the speed with which your building/home and personal property can be dried. Even clean water can generate mildew and other bacterial growth if neglected.
Some "to do" tips to help you after water damage occurs:
- Ensure you ventilate wet areas. Turn on air conditioning for accelerated drying in summer (if there is no visible mold)); in winter, alternate cycles of opened windows and heating.
- Remove standing water from flat surfaces by sponging and blotting.
- Take up saturated rugs and carpets when hardwood floors are at risk.
- Stay out of rooms where ceilings are sagging from retained water.
- Remove lamps, telephones and decorative items from wet furniture tops.
- Open drawers and cabinet doors for interior drying, but do not force stuck drawers or doors.
- Place aluminum foil squares, china saucers or wood blocks under furniture legs to avoid carpet staining.
- As soon as possible, call a professional water damage specialist for emergency drying.
Do Not...
- Operate televisions, vacuums, computers or other electrical appliances while standing on wet carpet or floors, especially wet concrete floors. Serious injury may result.
- Use heat to dry closed building interiors, mildew and expanded moisture may result.
- Leave wet fabrics in place; space them apart and dry as soon as possible.
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24/7 Emergency Service
Advanced Restoration staff is On-Call 24 hours a day, 7 days a week to respond to your water damage/flood situation. We understand that the sudden intrusion of water is not something that anyone can be totally prepared for. You will always talk to one of our knowledgeable, caring team members, day or night. If we are unable to assist you, we will offer you our best professional advice. At Advanced Restoration, we pride ourselves on immediate response to all types of water damage situations.
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.
Friday, July 10, 2009
Who Will Be Open For Business if Disaster Strikes?

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.
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.
Monday, June 8, 2009
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.
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!!!
Wednesday, April 15, 2009
Portable Power Sources Recalled: Fire Hazard
Portable Power Sources Recalled Due to Fire HazardOffice of Information and Public Affairs
Washington, DC 20207
FOR IMMEDIATE RELEASEApril 2, 2009Release #09-182
Firm's Recall Hotline: (800) 233-0462CPSC Recall Hotline: (800) 638-2772CPSC Media Contact: (301) 504-7908
Best Buy Announces the Recall of Certain Rocketfish Universal Portable Power Sources Due to Fire HazardWASHINGTON, 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: Rocketfish Model RF-INV80 Universal AC/DC/USB Portable Power Source
Units: About 1,400
Importer: Best Buy Co. Inc., of Richfield, Minn.
Hazard: While charging the battery, the power source can unexpectedly ignite, posing a fire hazard to consumers.
Incidents/Injuries: The firm has received three reports of fires resulting in minor property damage. No injuries reported.
Description: This recall involves Rocketfish Universal AC/DC/USB portal power sources with model number RF-INV80. The model number is printed on the back of the power source and “Rocketfish” is printed on the cover.
Sold exclusively at: Best Buy stores nationwide and at bestbuy.com from July 2008 through February 2009 for about $100.
Manufactured in: China
Remedy: Consumers should immediately stop using the recalled power sources and contact Best Buy to receive a gift card for the value of the product.
Consumer Contact: For additional information, contact Best Buy at (800) 233-0462 between 9 a.m. and 9 p.m. CT daily, or visit the firm’s Web site at
Wednesday, January 14, 2009
It's Cold Out...Stay Warm & Be Safe!

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.
• 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.
Tuesday, January 6, 2009
Puffbacks and Your Heating System
What is a puffback?
How can a puffback be prevented?
What to do if a puffback occurs?
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.
Saturday, November 15, 2008
Water Damage and Mold Remediation
Once again, Long Island and the NY Metro area is getting hit by heavy rains and flooding.Here are a few more tips on water damage and mold for our friends in Nassau County, Suffolk County and New York City:
Mold Issues
If you have a serious mold problem, calling a specialist is in your best interest. Leaving a mold problem untreated can result in structural damage to your home and possible thousands in repairs.
Mold Detection
If you're not sure if you have a mold problem or not, a water damage specialist can assess your situation. After a very rainy season, it's a good idea to get your house checked for leaks, water damage, and mold.
Water Removal
If you've encountered a large leak or a flood, a specialist will have all the equipment needed to take care of the situation quickly and simply. If there is a lot of water but you think you can take care of it yourself, assess whether you think structural damage can occur within the extra time it may take you as opposed to a specialist.
Drying
After a major leak or flood, it's important to dry out the affected area. If you do not have the necessary equipment to do this, most water damage teams own several large, high power drying fans to prevent further damage.
Deodorizing
If a strange smell in your home just won't go away in your home, consider calling a water damage specialist for this as well. Most people don't know they handle strange odors, but they do have anything you're going to need to dispel most bad smells.
Restoration
If your home was hit by flood, mildew, mold, or leaks, structural or other damage may have occurred. To guarantee your home looks the same way it used to, call a specialist as they specialize in restoring homes after this particular kind of damage.
Assessing Damage
Whatever water damage you come across, a water damage specialist is the right person to tell you exactly how severe a situation is and what action to take as a homeowner or business owner. Before hiring anyone to do any work, make sure you have an idea of just what is damaged and what needs to be done.
For more information about water damage, contact Advanced Restoration.
Stay dry!

