Category: Personal Insurance

New FEMA Base Elevation Requirements are Released

This past weekend, FEMA released the new flood elevation maps for those areas that were affected by Super Storm Sandy. Here you will be able to search by address and find out what the Advisory Base Flood Elevation (ABFE) is for that property. It is choked full of other information as well. After entering the address, and clicking “Get Details” you will not only get the new AFBE, it will also give you the old base elevation, as well as what Flood Zone the property is in. There are also numerous links to other reports and information regarding the elevation of the property.* While this is going to apply to any new homes that are built in flood zones, it will also apply to those homes that the are deemed to “substantially damaged” by the Township in which the property is located. On the Long Beach Township home page, they explain this a little more in the “Repair Your Flood Damaged Home” section about a quarter of the way down the page. They also explain that if the home is deemed to be substantially damage, you must now meet the the required flood elevation for that location. They also give some guidance as to what the Township will deemed as substantially damaged. Of course each town’s requirements may be slightly different, but this is an example what homeowners need to take into consideration when they are deciding what to do with their damaged homes. *Update as of December 19, 2012 – All owners should click on the “Link to AFBE Map” to view the actual map. It gives two different numbers as a base elevation, the 1% Elevation and the 2% Elevation. Here is a link to the definitions, but its essentially the percentage chance that the elevation will be breached by water in a given year. The general difference in feet between the two number are 4-5 feet. For example, our LBI office has a 1% advisory base elevation of 9 feet, and a 2% advisory base of 13 feet. These are the numbers to pay close attention to. We are hearing that Long Beach Township will adopt the 2% ABFE in their buiding ordinances, which means new homes and those deemed substantially damaged will have to raise their house to the 2% elevation. Regarding what is deemed substantially damaged, we are hearing that if the damage to your home is 49-50% of the buildings value, it will be deemed substantially damaged and be forced to comply with the flood regualtions. On Friday, Dec 21, 2012, Long Beach Township is expected to introduce its new FEMA ordinances, so stay tuned…

Hurricane Sandy Claims Update

We understand you are all anxious to start rebuilding.  Our Claims and Insurance people have been working as quickly as possible to get the thousands of claims processed from Hurricane Sandy.  An Adjustor will be in contact but please remember it could be more than a week from the time you submit your claim before you are contacted. Priority is being given to those properties that were the primary residence of families and they are currently do not have a place to live Feel free to contact us at any point and we can try to answer all your questions. Here are some tips on what you can do in the mean time:
  • Make sure your property is safe to enter.
  • Be sure to use Gloves and mask to keep you healthy
  • Shut off electric and gas mains so you don’t have issues when they come on again
  • Take as many pictures as possible before doing any work
  • Write down an inventory of damaged items
  • You can remove any wet things such as carpet and furniture, Just Do Not throw anything out
  • Keep everything someplace safe on the property
  • You can do what you need to to make your property safe and prevent further damage, particularly from Mold – If you need to remove sheet rock and insulation, once again do not throw it out
  • Make sure you throw away everything thing that has been in the freezer/refrigerator
If you get a contractor for Anything:
  • Keep your receipts
  • Make sure they have a New Jersey license to do business
  • If they do not have an NJ license number then Insurance will most likely not reimburse
  • We have a list of licensed contractors here

Area Contractors Lists – General/Carpentry, Plumbing, Electric, Flooring, Landscaping & Engineering

Make sure you ask for a contractors New Jersey license # and verify they are licensed by the state before letting them do work on your damaged home. 

Get a written estimate before starting the work and you will need all receipts for Insurance. Do Not pay cash or write a check made out to Cash – always make the check payable to the Company doing work.

Below is a list of area licensed contractors for when you need them:

General Contracting/Carpentry

  • Walters Homes     609-607-8295
  • Scott Peraria Builders    609-494-1100
  • Thomas Keller Builder     609-494-2215
  • Mark Davies   609-494-9382
  • Crest Construction     609-698-2122
  • Tool Construction     609-492-2006
  • Larry Bracco     609-607-8380
  • Quinn Builders     609-978-2424
  • JM Seddon Contracting     609-492-3707
  • Eastern Shore Carpentry     609-602-0461
  • Eastern Bay Construction     609-384-6185
  • JDM Andrews     609-978-8855
  • Chris Condello     267-228-5863
  • Ed Hillier Construction        609-713-0383
  • Kevin Webb     609-607-8295
  • Bill Tromm Home Improvements     609-492-2185
  • Dom Ross Jr.     609-597-3900
  • Sutter Enterprises     609-294-0338
  • Chuck Cometa & Son    609-978-0142
  • Dean Theuret     609-296-0762
  • L&M Builders     609-709-7070
  • David Leonetti     609-713-6404
  • Seasoned Solutions    609-597-6575
  • Joseph Ryan Carpentry     609-492-6217
  • Sal Cusimano     609-597-2095
  • Tradewinds Builders     609-290-4081
  • JC Konnor Maintenance/Remodling     609-709-1937
  • Chris Condell – Homes & Renovations     267-228-5863
  • Gouveia Construction   609-698-2430
  • Heritage Home Design     973-746-4358
  • Progressive Dimensions (Countertops)    732-244-0109


  • Mike Carey Plumbing     609-597-0619
  • Walt McCollum     609-597-1414
  • Lummino Plumbing     609-597-8188
  • DK Sledzik     732-349-0389
  • T&S Plumbing     609-693-6050
  • Phil’s Heat Wave     609-548-0999
  • BTU Control Corp.     732-367-3232
  • Joseph H. Roberts     609-693-2457
  • Ernest & Jason Fey     609-597-5915
  • Precision Plumbing and Heating    609-978-1210

Electricians +++++++++

  • Dave’s Electric     609-361-0236
  • Lou’s Electric     609-978-6530
  • The Electrical Connection     609-971-6761
  • Nevron Electric     732-288-9494
  • Muzyka Electric     609-492-0088
  • Greg Reick     609-698-2408

Flooring – Carpet ++++++++++++

  • American Flooring     609-597-7551

Misc. +++++

  • Meticulous Landscaping     609-971-8551
  • Custom Painting – (All Ocean County)  973-790-7477
  • Bay Avenue Plant Company     609-709-7070  

Engineering/Surveying ++++++++++++++++

  • Innovative Engineering     732-449-0099
  • Bernard Surveying     856-691-1982
  • Conover-Jackson Surveying    609-266-0173
  • Ragan Land Surveying     732-280-7000
  • George Lucas PLS     732-591-1289
  • Consulting & Municipal Engineers     732-462-7400 or 732-727-8000

Document Restoration 

  • Alternative Micrographics     609-971-7766

Additional Disaster Assistance Information

If you have insurance with us, we will be taking care of following up on your claims.  If you also have Flood Insurance with us, that notifies FEMA when we submit the claim. If you do not have flood insurance and you have the means to do so, you may want to try these sites for more information and Applying for Disaster Assistance. – Federal Disaster Help and Resources: Find Assistance, Apply for Assistance, Check Application for Assistance FEMA Hurricane Sandy Site – Updated Federal Government Information,  Information on the Application Process

Clean Up and Restoration Company Phone Numbers

Below is a list of many Clean Up and Restoration companies our insurance companies deal with should you need to contact one of the for Storm recovery: All Risk Insurance Damage                                                       856-337-6128 24hrs Arsi Cleanup                                                                            800-792-8625 Empire Restoration Services   (Middlesex, Monmouth & Ocean Counties)     800-889-1870 First Clean                                                                                877-333-9525 Flex Restoration                                                                       877-858-3539 Gemini Restoration     (North Jersey Only)                 888-443-6469 IRS                                                                                          800-634-0261 K & S Restoration     (All NJ & Part of PA)                 800-841-3616 Mark 1 Restoration                                                                   800-243-4733 Maxon’s Restoration       (Does North Jersey)             973-338-6767 Paul Davis Restoration                                                              888-473-7669 Puroclean         (Does Not Do North Jersey)                 800-749-9984 Rapid Recovery Services  (Works with AIG Ins. Co)        866-505-5600 Remediation Specialists                                                            800-395-8368 ServiceMaster                                                                           732-292-4550 ServPro Manahawkin                                                                609-549-0379 ServPro                                                                                    800-737-8776 (all over) Start 2 Finish    (All of NJ & Part of PA)                          856-297-4252 Stretch’s Cleaning Service                                                        609-361-2400 Woods Restoration                                                                    800-385-2122

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