Property Preservation Field Inspection Services

Baltimore MD On-Site Commercial & Residential Real Estate Property Preservation - Inspection

@@ We Inspect the Inspector! We make it easy for REO Lenders and loan service providers to get multiple bid quotes for property preservation services from several different contractors.

Audit Inspection Service, independent audit inspections, property preservation quality control inspections.  We perform third party quality control inspections. & audit inspections... We verify the inspectors you retain to perform your property preservation services are doing their job. We inspect properties which have had some prior property preservation services performed, evaluating that the assignments were completed correctly. & assess the property in a complete and unbiased manner.  We perform initial inspections, property damage. Assessment reports and gives a generalized condition assessment of the properties. We perform audits on automobiles, trucks, heavy equipment, off road vehicles, tractors, trailers, recreational vehicles, homeowner's losses, personal property, commercial property, utility claims, municipality (public) losses, & specialty items; as well as handling varied claim circumstances such as first & third party claims, Technical Inspection Services, subrogation demands, and post repair audits including negotiation. Tags:  advertising audit service, audit collection service, internal audit service, inspection services Inc, audit services Inc, technical inspection services, third party property audit inspections

>Baltimore MD - Bankruptcy/Auction Real Estate property verification -I inspection - Lock changes.
>Baltimore MD REO Trash-out Property Preservation Contractor Supervision
>Independent 3rd Party Quality-Control Audit Inspections, REO Property Preservation Disposition Services -
>Foreclosure Workout-Delinquent Account Customer Contact
>On-Site Eco Environmental  Assessment Field Inspection Services, Field Asset Inspection Services
>Property Preservation Audit Inspector * Debtor Interviews-Contact, collateral condition reports
>Condo Insurance Field Inspection Digital photo insurance underwriting inspections
>Residential & Commercial Bank Phase & Draw Inspections, Property Preservation due diligence services.

Service Area:  Baltimore City. COUNTIES: Baltimore, Anne Arundel, Carroll, Howard, Harford. @ 24/7 Rush Emergency-Property Security Services.
Note: No Wash. DC coverage.

Basic Services: Vacant Property Preservation (VPP): Security/Maintenance of Foreclosed Homes,  Security/Maintenance of Empty Rentals, REO Inspection Agent,  Baltimore MD Property Condition & Valuation Services, Field Inspection Service Representative, Field Verification and Door Lock Change Services, Mobile Remote Notary, Lenders Collateral Verification and Field Inspection Services, Environmental Field Inspection Services, surveys and investigation,  risk assessment contractor,  surveillance and evaluation, response to occupant complaints-Surveys and audits, Due Diligence Audits-Surveys, Quality Control Audits, On-Site Business Credit Verifications Mobile home vacancy inspections, Reverse mortgage inspections, right of way-site survey field inspection services.

What are Void Property Inspections
The economic downturn has led to numerous empty premises in the USA  which need to be protected from vandalism, fire, squatters and theft meaning that this is one of our most popular Nexus products.

If your business has recently moved sites and is still responsible for the previous premises or has downsized and left behind empty buildings are you aware that most insurance companies require inspections of the property to be carried out?

Void Property Inspections can be tailored to suit the requirements of the customer and the insurance company and normally include:

•Physical check of outside of property for damage or theft
•Physical check of inside of property for damage or theft, squatters or evidence of illegal entrance.
•Removal of mail
•Reading of utility meters
Do I need them?
If you have empty properties on your portfolio we strongly advise that you contract us to undertake this product on your behalf after consulting with your insurers. Many insurance companies make these inspections a requirement of cover and will discount premiums if a security company is contracted to deliver them.

How often should I have them?
Insurers normally require weekly inspections, but depending on the site involved it could be as frequent as every other day. If you are unsure please contact us

Property Preservation Field Services & Field Inspection Services

Construction Draw Auditing Services 

·  Inspections Granite Construction Inspections (GCI) is the industry leader in providing quality, responsive construction inspections.
www.GCInspects.com      Residential & Commercial All web-based system!

Our Construction Draw site visit will verify field site conditions and current construction-rehab conditions and progress. We help inspect the risk, assess possible Loss and/or Liability. We provide commercial and residential Quality Control. Many Owners and lenders have suffered losses due to unscrupulous contractors who have overbilled the Owner, spent the money and then were unable/unwilling to complete the work. The single biggest problem in construction contracting is not shoddy workmanship – it is the failure of the contractor / sub-contractor to pay for the materials or labor on your job! Construction Draw Inspections include a monthly site inspection to provide a review of the contractor's payment request and to evaluate the accuracy of the request.

Tags: Construction Funds Control, Fee Schedule Inspections, funding disbursement, construction loan disbursement control, Mitigating Construction Loan Risk, Construction loss draft inspection, Contractor loan disbursements services, residential and commercial construction loan management

Typical Draw Schedules of a Construction Loan
http://constructionloan.net/construction-loan-faqs/typical-draw-schedules-construction-loan/

Code Compliance Consulting Site Surveys Inspections Evaluation...

ADA Code Compliance Consulting Site Surveys Inspections Evaluation Facility Review Construction Repair Remodel Services ADA Accessibility Consulting, barrier removal, sight-impaired, hearing-impaired, wheelchair bound, parking re-paving, signage, ADA ramps, decals, doors, entryways, landscaping, handrails, bathroom remodels, drinking fountains, signage, training, CALDAG, ADAAG, and ADA.
Americans with Disabilities Act ADA code compliance for buildings and facilities. ADA accessibility inspections, site surveys and solutions through best San Diego contractors specializing in ADA Compliance.
ADA Compliance Solutions including repairs remodels for sight-impaired, hearing-impaired, wheelchair bound, parking re-paving, signage, ADA ramps decals doors entryways landscaping handrails, bathroom remodels drinking fountains ADA Contruction CALDAG, ADAAG ADA, signage
Private businesses which provide goods or services</strong> to the public are called public accommodations in the ADA. The ADA establishes requirements for 12 categories of public accommodations, including stores and shops, restaurants and bars, service establishments, theaters, hotels, recreation facilities, private museums and schools and others. Nearly all types of private businesses that serve the public are included in the categories, regardless of size.
To help businesses comply with the ADA (Americans with Disabilities Act), Section 44 of the IRS Code allows a <strong>tax credit</strong> for small businesses and Section 190 of the IRS Code allows a tax deduction for ALL businesses.
The tax credit is available to businesses that have total annual revenues of $1,000,000 or less in the previous tax year or 30 or fewer full-time employees. This tax credit can cover 50% of the eligible access expenditures in a year up to $10,250 (maximum tax credit of $5,000).
The tax credit can be used to offset the cost of undertaking barrier removal and alterations to improve accessibility; providing accessible formats such as Braille, LARGE PRINT and audio tape; making available a sign language interpreter or a reader for customers / employees, and for purchasing certain adaptive equipment.
Please note: This information is not intended as tax advice. Please consult with your tax consultant

C. and A. Salvage Services:

*  VOTED BEST JUNK SCRAP HAULER IN BALTIMORE MARYLAND BY THE BALTIMORE MARYLAND CITY PAPER !!!

Contact us for recycling and salvaging your old vintage metal shop tools, metal renovation door hardware, old metal door locks, metal door hinges, metal door knobs, metal door kick plates, metal mailboxes and metal door mailslots, metal window hardware, metal window weights, metal window frames, metal porch and lawn lights, metal chandeliers, etc. We try our best to salvage and recycle (use-not melt down) vintage old house hardware. Vintage old home hardware can often be refurbished and reused by someone seeking to preserve historical items, property and homes. Please give these wonderful old vintage items at a chance for a second life. Note: Please do not dispose of potentially hazardous toxic metals such as lead, in our local landfills. Call us and we will safely and properly dispose of hazardous toxic metals.

We provide exterior commercial & residential cleaning hauling Waste Management curbside Junk Removal Services – curbside scrap metal Removal,  Baltimore County MD alleyway scrap metal Collection and hauling, useless scrap metal curbside recycling, environmentally safe waste management curbside services for residential-commercial-healthcare-construction industries.
We provide commercial or residential scrap cleanouts,  junk curbside hauling, curbside  junk removal, Exterior debris and trash curbside removal services. We are committed to cleaning up the environment.
We provide Rental Office rental unit Cleanouts,  Exterior Junk Debris removal,  curbsidescap metal removal, Exterior Real Estate Debris Cleaning Hauling Services, Abandoned Self Storage unit cleanouts, Evicted foreclosed warehouse rental cleanouts,  Exterior rental unit shop abandoned Junk Removal, Basement cleanout curbside Junk Removal,  garage clean-outs curbside Junk Removal, rental unit clean-outs, Exterior Cleaning Decluttering  410-746-6355 candacourier22@aol.com

WE HAUL: Metal tools, metal car parts, Scrap auto parts (transmissions, exhaust systems, Catalytic converters), small metal appliances, metal and Cast Iron Engine Blocks, Automotive Batteries, Computers And Electronics, Non-Ferrous & Ferrous Metal removal & Recycling , Exotic Metals Recycling, Precious Metals Recycling.  Examples of commonly recycled scrap metal products are: Aluminum /metal siding, metal doors, and metal window frames; Metal Appliances; Automobiles; Metal Bed frames and metal mattress springs; metal Bicycles; Cast iron sinks and bathtubs; Computers; Cooking pots and pans; Electrical wire;; metal Farm/Garden equipment; Metal Food and beverage containers; Metal Industrial cuttings; Metal Industrial machinery; metal Locks and door knobs; Metal Office equipment and furniture; Metal Park and playground equipment; All kinds of Metal Pipe; Concrete reinforcing bars ( rebar); Metal Roofing; Small Structural steel buildingS ( shed, garage) frames; Telephone wire; METAL Tools; ETC.

*  VOTED BEST JUNK SCRAP HAULER IN BALTIMORE MARYLAND BY THE BALTIMORE MARYLAND CITY PAPER !!!
http://s153.photobucket.com/albums/s237/candac22/Recycled%20Salvage%20Scrap%20Junk/

** C. and A. Courier Salvage Services is a sub-company of C. and A. Courier Services

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Pre-construction, As-Built Surveys, Floorplans, Panoramas.
ICC Pre-construction Surveys
http://www.iccproject.com/PDFs/construction-survey-FAQ-questions.pdf

Pre-construction As-Built Engineering Inspection, changed order conditions (CO) verification, walk-through, change order verification, schedule verification.

Financial "Draw" Inspections Pre-Constrcution Reviews Phase Inspections Invoice Verification Safety Inspections Change Order Verification, Notices to Comply, Change Order Verification, Requisition Verification, building due diligence, Detailed Quantity Take Off's for Various Subcontractor Trades.

**construction change order form, contractors guide change orders, construction change order definition, construction change order process, construction change order claims,construction contract change orders:

Change Orders -- The Bane of All Construction Projects
More disputes arise and more adversarial positions are staked out because of actual or perceived changes in a construction project than for any other reason. Aggressive contractors will threaten slow-downs and work stoppages if they don't get paid. Overbearing owners will insist that unknown conditions, extra features, and an expanded project are covered by the original bid price.
A seemingly minor in-the-field alteration of a lateral support may, weeks or months later, change the route of a surface drain to a more expensive and even dangerous location. Many shop drawings, materials specifications, detailed plans and installation requirements are not known when the work is bid. New instructions arise instantly in the field through the superintendent or architect or owner's representative. One side may have no recourse except to make the change or get thrown off the job and lose the ensuing legal fight, or the contractor will have a valid claim for extras and the owner will bear the consequences. Informal change requests may be backed up by the full force of law; in other circumstances the impact of changes will be ignored by the courts, and claims for extra payment will not be enforced.

Demolition engineering survey:
Standard procedures for conducting a pre-construction survey.  The goal of the survey is to document the condition (existing damage) of buildings and property in the vicinity of an upcoming construction project...OSHA requirements for a engineering survey prior to demolition operations...try to give an overall assessment of the state of the building's structural elements and facades, both interior and exterior.  Of utmost importance is to document existing items of distress, such as cracked beams, columns, masonry walls, plaster or sheetrock walls, structural slabs, slabs-on-grade, and items which appear out of plumb, such as door frames, windows, posts, etc., before the construction begins.  If there is currently no such distress, that should be documented as well.  If the buildings have existing structural drawings, we review them before we go to the site, and list any items which are not as shown on the drawings or have had later modifications.  Building maintenance men and even tenants can sometimes be of help, if you have a chance to interview them.  Try to be as thorough as possible, because if something shows up cracked later as a result of the construction activity, someone will be held accountable. Take alot of photos

Phase I Environmental Surveys...

A Phase I environmental survey is a visual survey designed to disclose to a prospective purchaser some of the environmental risks associated with a building purchase.  Phase I environmental surveys are often required by banks before they will grant a mortgage on commercial properties.  The banks are concerned that past environmental problems have contaminated the property, and want to be sure there are no environmental liabilities associated with the property before they grant a mortgage.

Phase I environmental surveys are generally not required on residential properties, nor are they commonly performed on residential properties of fewer than four families.  If a house was never used for commercial purposes, there is probably little reason to have a Phase I environmental survey.

Most Phase I environmental surveys are conducted according to standards set forth by the  American Society for Testing and Materials (ASTM) .  Requirements include a visual survey of the site, a visual survey of the surrounding sites, and searches of federal, state, and local databases.  Because a Phase I environmental survey is a visual survey, underground problems will usually not be detected unless they have been recorded in some environmental database.

Standard procedures for pre-construction survey?
http://www.eng-tips.com/viewthread.cfm?qid=92458&page=8

Demolition engineering survey:
standard procedures for conducting a pre-construction survey?  The goal of the survey is to document the condition (existing damage) of buildings and property in the vicinity of an upcoming construction project...OSHA requirements for a engineering survey prior to demolition operations...try to give an overall assessment of the state of the building's structural elements and facades, both interior and exterior.  Of utmost importance is to document existing items of distress, such as cracked beams, columns, masonry walls, plaster or sheetrock walls, structural slabs, slabs-on-grade, and items which appear out of plumb, such as door frames, windows, posts, etc., before the construction begins.  If there is currently no such distress, that should be documented as well.  If the buildings have existing structural drawings, we review them before we go to the site, and list any items which are not as shown on the drawings or have had later modifications.  Building maintenance men and even tenants can sometimes be of help, if you have a chance to interview them.  Try to be as thorough as possible, because if something shows up cracked later as a result of the construction activity, someone will be held accountable.
A structural "condition survey"... the upcoming construction activity is going to involve various levels of vibration, either from activities such as pile driving, or normal vibration due to moving equipment. 

Field Inspection Services:
Bankruptcy Inspection-A Bankruptcy Inspection is a no contact Drive-By Inspection. We Site visit to determine if subject property is occupied by owner of record., Foreclosure Inspection, Site visit to determine if subject property is occupied by owner of record or tenant. , Occupancy Verification Inspection, Site visit to determine if subject property is occupied by any inhabitants, legally or illegally. , Walk−Through Vacancy Inspection, Site visits with interior and exterior inspection. , REO Inspection / REO Property Condition Inspection Site visit to determine unauthorized occupancy including observable condition. , Loss Draft / Insurance Inspection, Site visit for verification of satisfactory repair of, damages. , Sale Date Inspection, Site visits on day of Foreclosure Sale to determine occupancy. , New Home Construction Draw Inspection
Site visit for verification of applicable progress during construction. , Wind Mitigation Inspection,  Property Preservation

• Borrower Interviews
• Commercial Inspections
• Compliance Inspections
• Detailed Property Condition Inspections
• FNMA Form 30
• Foreclosure Inspections
• Insurance Loss Inspections
• Leased Equipment Inspections
• Merchant Site Inspection Survey
• Mobile Home Condition Inspections
• Natural Disaster Inspections
• Occupancy Verifications
• Quality Control & Annual Inspections
• REO Occupancy Status Inspections
• Residential Inspections
• Sale Date Inspections

We certify that foundations are compliant to HUD & FHA standards.

Our Professionally Licensed Engineers ensure that home foundations are in compliance with FHA, HUD, VA, and other national standards.

Hayman Residential Engineering Services (HRES ...www.haymanengineering.com/ -  Hayman Residential Engineering Services (HRES) is the first company to cater to the engineering needs of the residential housing industry on a nationwide

We perform On-site Inspections and Engineering Foundation Certifications for the Mobile Home industry to ensure conformance to federal government regulations for mortgage lenders, loan officers, real estate agents, and home owners. If the manufactured (mobile) home foundation is in conformance with governing standard ( FHA, HUD, VA), we issue a Engineer's Foundation Certification to ensure that loan guidelines are met.

Not only do we issue structural engineering foundation certificates, but we are a full service structural engineering design firm for the manufactured (mobile) housing industry. We can design a retrofit for an existing non-compliant mobile home foundation, or engineer a custom foundation design for installation of new manufactured home directly from the manufacturer.

If you have questions about our Mobile Home Foundation Certifications services, please feel free to contact us.

Typical Types of Field Inspections:
 
FLOOR PLANNING
This is an accounting of various high value items.  Such as dealer floor plans for tractors, vehicles, motorcycles, retail inventory, trustee audits.  We do an audit of their current inventory and make sure that all units are accounted for. 

END OF LEASE INSPECTIONS
When the consumer is finished with their lease contract, they are ready to return it.  The inspector travels to their home or maybe a car dealer and does a cursory inspection on the vehicle and photos are taken of the vehicle.  We pay special attention to current mileage, the VIN and any damages done to the vehicle. 

EQUIPMENT INSPECTIONS
Often times, when equipment is being leased or financed, the equipment will need to be checked for condition and to make sure it is accounted for.  These inspections may take place at the beginning of the lease/purchase or later on to make sure that the equipment is still in good shape. 

DAMAGED FREIGHT INSPECTIONS
these are inspections done on damaged freight.  We will travel to various businesses and inspect the product that has been damaged in transit.  We will take pictures to show the damage, helping the insurance carrier determine how and when the product was damaged. 

On-Site Damaged Freight Claims 3rd-Party Inspection...We provide independent third party review of damaged freight/cargo/packages.
Third party inspections reduce costs by quickly providing the information you need to equitably resolve your claims. 
Damaged Air Cargo Freight Inspection Services...
We verify, check and authenticate your shipments! We conduct prevention inspections of damage and/or loss on goods
ü Pre-loading cargo Survey/Inspection
ü Planning & stowage Survey/Inspections
Pre-shipment inspections, Freight and Cargo Claims Inspections for carriers, traffic management and shipping and receiving personnel,. Laws, rules, regulations and procedures involved in the filing and handling of freight and package loss and damage claims are very frustrating. Getting a clear documented view of what has occurred helps facilitate claims management. Our Freight Claims Inspection services assist shippers, receivers and common motor carriers in reducing their exposure to risk and liability.

CONSTRUCTION PHASE & DRAW INSPECTIONS
These inspections are done on construction sites. They are requested by the bank or lending institution that is financing the project. The draw inspection will evaluate the accuracy of the draw request, note construction phase % completion, and identify stored materials.

A Bank Loan Draw Inspection is required by all Lending Institutions to determine the amount of work that has been completed at a construction site so that the Borrower (a Construction Company or Home Builder) can draw on their loan.

Construction Draw inspection is also called the "draw" inspection. This type of inspection is provided, as part of a construction loan, for banks and other Lenders, Residential & Commercial Bank Draw Inspections, draw inspections for construction loans, protect lenders and owners from construction risk, Draw Disbursement Inspection, partial payment of a construction loan for residential and commercial buildings, Compliance Inspection, Construction Invoice and Budget Control Inspection, Construction Progress Schedule Inspection

·  Inspections Granite Construction Inspections (GCI) is the industry leader in providing quality, responsive construction inspections.
www.GCInspects.com      Residential & Commercial All web-based system!

EXTERIOR Property Preservation INSPECTIONS
These inspections are done on houses that are applying for new or updated homeowner's insurance.  The inspector will report on the condition of the house take lots of pictures and measure the building for a diagram that will be drawn.  Some inspections require an interview with the client but most of them will not require the interview.

"Having an unoccupied home can create several insurance implications that typically are not covered under a standard homeowner’s policy."
Homeowner policies are meant to insure homes that are occupied, so they generally include exclusions for neglect or property abandonment on a home left vacant or unoccupied for a specified number of consecutive days, she said.
In insurance terms, a vacant home is one the resident has moved out of and taken his/her belongings with him/her. An unoccupied home is one where the resident is not staying at the home, but the furniture and other belongings remain.
Because vacant and unoccupied homes pose a higher risk for damage than occupied homes, insurance companies insure these properties differently and usually at a higher price.
These risks include break-ins, no emergency response and property liability. When a home has been unoccupied for awhile, it can show signs that nobody is around—unkempt lawn, full mailbox, no lights on—tipping off burglars to an easy target.
The cost of vacancy coverage depends on the company and state in which the property is located, but costs usually are higher than a typical homeowner’s policy due to the overall increase in risk.

HIGH VALUE HOME INSPECTIONS
Often times when an Insurance agency is going to insure a high dollar home they will send an inspector out to the home.  The inspector will fill out a form and take required pictures of the residence.  These are done for two reasons; one to determine value and the other is to help determine insurance risk. We pay special attention to pools, pets, steep grades, surrounding high risk areas.

MERCHANT SITE INSPECTIONS
These inspections are done at businesses that want to accept Credit Cards, do background checks or perhaps are asking for financing. We do an on-site evaluation to determine if the business is legitimate and appears to be perminate.  Photos will also be taken of the both the interior and exterior of the business.  These particularly need to be done for a home business.

Merchant Inspection and Verification Services:
This service is required under VISA and MasterCard rules.  Third party credit card processors are required to conduct on site inspections of companies who are registered to offer credit card processing to merchants.
We can assist with a Physical On-Site Inspection:
Interior/exterior Merchant Site Inspection includes:
*Residential/Commercial location survey.
*Prohibited business practice documentation.
•Interior and exterior photos of the business, inventory and equipment
*Customer document disposal verification.
*Sensitive document storage audit.
*Secure PC terminal documentation.
•Business signage and address verification photos
•Description of the merchant’s business operations
•Observation of displayed business hours, licenses and credit card decals

Drive-by Exterior Inspection:
Exterior Merchant Site Inspection includes:
•Exterior photos of the business
•Business signage and address verification photos
•Observations of the merchant’s facility

ON SITE PHYSICAL INSPECTIONS
When a business wants to access credit reports they must meet certain criteria.  One is to have this type of inspection.  It is not only done to determine that the business is legit but to make sure that the business meets other criteria in order to access these confidential reports.  For example, they must have a password protected computer, a locked filing cabinet, a paper shredder as well as a few other things.  The inspector will fill out a form during the interview and take various pictures to show compliance with the rules.

INSPECTIONS FOR FORECLOSED HOMES
There are many types of inspections and tasks needed for Foreclosed Homes: Door Lock Changes with Lock Box, Home Condition Inspection, Lawn Maintenance, Trash Outs, Maid-Cleaning Service

Protect Your Property and Finances Against Earthquakes and Hurricanes

Prepare for an emergency. In case the power goes out or you have to evacuate your home, you need to be ready. Find out which items are must-haves for your emergency kit and get tips on preparing for an emergency from victims of other natural disasters, such as Hurricane Katrina.
Review your insurance coverage. Standard homeowners policies cover wind damage to a home and its contents. Check your coverage, though, to make sure your home is insured for the amount it will cost to rebuild (not the market value) so there won't be any surprises during the claims process. If your neighbor's tree falls in your yard and damages your property, you will have to file a claim with your insurer. See When Your Tree Falls in Your Neighbor's Yard to learn more.

Your homeowners policy won't cover flooding, though. To get flood coverage, you must go through the National Flood Insurance Program. See Protect Your Home and Finances Against Floods for more details.
Be prepared to file an insurance claim. You can speed up the repair process after a hurricane if you know what steps to take to file a claim with your insurer. I wrote about 7 steps to take to speed up the claims process after a tornado, which also apply in the aftermath of hurricanes. And see Make Your Insurer Pay to learn how victims of Hurricane Katrina got their claims paid quickly.Speed up the Claims Process After a Tornado Strikes.
Give your insurance agent a detailed description of the damage to your property. Your agent will report the loss to your insurance company or to a qualified adjuster, who will contact you to arrange an inspection. Take photographs of the damaged property if it is safe to access the area. Photo documentation will help with the claims process and can assist the adjuster in the investigation.

Prepare a detailed inventory of all damaged or destroyed personal property and make two copies -- one for yourself and one for the adjuster. Your list should include a description of the items, dates of purchase or approximate age, cost at time of purchase and estimated replacement cost.  Collect canceled checks, invoices, receipts or other papers that will assist the adjuster in obtaining the value of the destroyed property.

Make whatever temporary repairs you can. Cover broken windows and damaged roofs and walls to prevent further destruction. Save the receipts for any supplies and materials you purchase as your insurance company will reimburse you for reasonable expenses in making temporary repairs.

Secure a detailed estimate for permanent repairs to your home or business from a licensed contractor and give it to the adjuster. The estimate should contain the proposed repairs, repair costs and replacement prices.

Keep a record of all expenses, such as hotel and restaurant receipts, if your home is severely damaged and you need to find other accommodations while repairs are being made. Homeowners policies will pay the costs of living away from home if it's been damaged by an insured disaster.

Homeowners insurance doesn't cover losses from flooding, which can also cause a lot of damage during a hurricane. For that, you'll need to get coverage from the federal government's National Flood Insurance Program. You can find price quotes and flood-risk information at FloodSmart.gov , and you can generally buy a policy through your homeowners insurance agent. But there's a 30-day waiting period before that coverage can take effect.

Flood facts:
http://www.floodsmart.gov/floodsmart/pages/flood_facts.jsp

Should I Buy a House or Keep Renting? (Kiplinger - Personal Finance, Business, Investing, Retirement, and Financial Advice)

Mitigating Construction Loan Risk in a Challenging Economy .Construction industry failure rates / margin compression / worsening financial status

Important Disclaimer: Other site and company information listed on this site are general information, and are not intended to substitute for informed professional financial, tax, legal, investment, accounting, or other professional advice. We do not endorse, and expressly disclaims liability for any product, service or service provider mentioned or any opinion expressed.

Tags: Baltimore MD Field Inspection Services, Mobile Notary & CJIS Fingerprinting ID  verification service, Field Inspection Service , Collateral/Asset Condition/Location Verification, On-Site Digital Photographer, Damaged Cargo/Freight  Inspection Agent, Legal Document signing services, Quality Control  Field Inspections, Field Skip  Tracing & Field Skip Tracking Intelligence gathering, Construction Draw Mortgage Loan  Inspections, Mobile Home Vacancy Inspections,  Manufactured  Home Foundation Certification Inspection, Right  of way-site survey field inspection services, Customer Account On-site Field Interview  Door-Knock Contact, Delinquent Vehicle Loan Inspections, Dealer Floor Plan Audits, “Notice to Call” Delivery, Merchant Site Inspections/Surveys, Commercial Real Estate Inspections, Reverse Mortgage Inspections, Insurance Loss Control data reporting services. Damaged Freight Field Inspection Service, Equipment Field Verification Services, Asset & Collateral Field Condition reports, Mobile Digital Photographer, Express Courier & Delivery Agent, On-site Field Appraiser, Mobile Notary Public, Premium Audits-Underwriting Surveys, Loss Control data reporting, HUD/FHA Manufactured/Mobile Home Foundation Cert. Inspections, Mortgage Field Inspection, Disaster Recovery Inspection, Lease/Renter Due Diligence Field Inspection, security, recovery, repo, repossession, Baltimore MD, collateral, skip tracing, collection, debt, debtor, Account Recovery Door Knock Service, commercial debt collection laws, commercial collection agency, commercial debt collectors, commercial debt consolidation, commercial credit report, commercial debt collection rules, debt collection agency, collection agency services, Commercial Collection, asset recovery, debt collection, commercial collections, collection investigations, collection litigation, specialized collection programs for industries, On-site Collections Field Interview, Field Data Collection, Preventive inspection, on-site field check , Mobile Home Foundation Certifications,, FHA,  HUD,  VA,  Manufactured Homes Inspections and Compliance.