Storm Damage Repair
The following information is submitted by the Institute of Inspection, Cleaning and Restoration Certification (IICRC) as a public service to those who have suffered water-related losses due to storm damage (e.g., hurricane, tornado). Since there are many variables involved in deciding about appropriate restoration steps, New York consumers of this information assume any and all liability for implementing the procedures covered herein.
The following recommendations assume water-related storm damage to residential or light commercial structures. For recommendations regarding restoration of major commercial properties and building assemblies, it is important to consult with restoration professionals who have specific training and experience in this area.
Whether insured or not, it is important for New York property owners to document damage with photographs or video, and immediately to begin loss mitigation procedures themselves; or hire a qualified contractor to do this on their behalf. It is totally inappropriate to put off mitigation while waiting for an insurance claims representative to arrive on the scene to evaluate the loss. By that time, in all probability sufficient time will have passed to grow and amplify microorganisms, which may not be covered by insurance. Loss mitigation is defined by insurance policies as reasonable and prudent measures designed to preserve, protect and secure property from further damage, including microbial growth and amplification.
