Post-Sandy: Recovering, Repairing and Rebuilding
Proper elevation appears to have saved this home in Bay Head, New Jersey from Sandy’s destruction.
New IBHS Post-Sandy Rebuilding Papers
A new paper from IBHS provides considerations to help prevent or reduce future damage.
A new report from IBHS looks at New York and New Jersey building codes.
What businesses should do before, during and after a storm.
Explore IBHS Resources Below:
Recovery Resources: IBHS Brochures
Recovery Resources: IBHS FORTIFIED Programs
The FORTIFIED program offers flexibility and varying price points through a combination of three designation levels: Bronze, Silver and Gold. The following documents provide an overview of the requirements for each designation level according to the appropriate hazard. Find additional information about the FORTIFIED program at http://disastersafety.org/fortified/.
Hurricane (Post-Sandy Resources)
FORTIFIED for Safer Living – a new construction program designed to protect new homes against a variety of natural hazards common in the region where they are being built or rebuilt following a disaster.
FORTIFIED Home Hurricane – a retrofit program designed to reduce the risks to existing properties in hurricane-prone areas when remodeling, re-roofing or making repairs.
FORTIFIED for Safer Business - a new construction program designed to protect businesses against a variety of natural hazards common in the region where they are being built or rebuilt following a disaster.
Learn from the IBHS Experts: Repairing Damaged Property
Avoid Post-Disaster Scams
Advice for Choosing a Repair Professional:
Experts from the National Crime Insurance Bureau and other insurance organizations have this advice for homeowners planning repair work after a natural disaster:
Be suspicious of any contractor who tries to rush you to make decisions, particularly if the repairs are not an emergency or the work is temporary.
Immediately dismiss any contractor who claims to be backed by the government since the Federal Emergency Management Agency does not endorse individual contractors or loan companies.
Ask to see the primary contractor’s driver’s license and write down the license number and the license plate number of their vehicle.
Request proof of liability and workers comp insurance.
Never allow a contractor to discourage you from contacting your insurance company.
Key considerations when selecting a roofing professional:
Look for an established, licensed or bonded professional.
Ask for references, and follow up with them.
Ask to see certificates of insurance. Make sure that coverage for liability and workers’ compensation insurance is current.
Contact your local Better Business Bureau to check for complaints filed against the inspector.
Discuss available warranties from the manufacturer and the roof contractor.
Special Memberships and Qualifications:
Member of the National Roofing Contractors Association (NRCA)
Professional membership of the Roof Consultants, Inc (RCI)
The Professional Registration of Registered Roof Consultant (RRC)
The Professional Registration of Registered Waterproofing Consultant (RWC)
The Professional Registration of Registered Roof Observer (RRO)
Roof Contractor Qualification Form:
NRCA encourages homeowners and building owners to prequalify roofing contractors. NRCA has made available its Roofing Contractor Qualification Form to help owners prequalify roofing contractors.
Resources for Commercial Roofing Pros:
RoofNav is a free online tool from FM Global that provides roofing professionals step-by-step guidance on how to identify, configure and install nearly 1 million FM Approved roofing assemblies and their components.
© 2012 Insurance Institute for Business & Home Safety