Resources
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Useful Information After a Fire or Flood
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Tax Deductions
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If you are not insured, or if your insurance will not cover the total extent of your damages, you may be able to deduct some or all of your losses on your federal income tax return. For further information, contact your local Internal Revenue Office.
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Valuable Document Loss
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Birth Certificates
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Copies of birth certificates can usually be obtained from the Births and Deaths office in the city in which you were born. They will need to know your name, current mailing address, date of birth, hospital in which you were born, mother's maiden name and father's name.
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Social Security / Medicare Cards
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If your Social Security or medicare cards are destroyed, call your local Social Security Administration Office. You can apply for a new card at this office and the replacement card is free.
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Military Discharge Papers
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Veterans can obtain standard Form 180 from their local office of the Veterans Administration to make application for copies of destroyed military discharge papers. If additional help is needed, contact your local Red Cross.
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Marriage or Death Certificates
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To obtain a copy of your marriage or death certificate, apply to the County Clerk in the county where the form was originally issued.
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Divorce Decrees
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Make a request for a certified copy of the divorce decree at the place it was issued.
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Emergency Tips
After fire, smoke, water or vandalism damage to your home, your prompt action can minimize long-term
damage. The safe, timely steps listed in this brochure can assist you in restoring your home to the
condition before your crises. Incorrect actions can be costly mistakes. These "do's" and "don'ts" are listed for
your information and protection.
Under the terms of your Insurance Contract, it is the responsibility of each property owner to take the
necessary steps to prevent additional damage as well as secure the property from being a hazard to the public.
People are often drawn to a damaged house through curiosity, and led to believe that it's contents have no
value when this may not be true.
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Temporary Repairs to Prevent Additional Damage
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- Properly close and lock (if possible) windows, doors and any other openings that would allow people free access.
- Cover any opening in the roof to protect your property against the elements.
- In cold weather, if heat can't be restored to the structure immediately, drain all supply lines and water heaters, and blow out both hot and cold supply lines with air, put anti-freeze in all sinks, toilet bowls and tub traps.
- If moisture exists, every effort should be taken to remove it as quickly as possible.
- The electricity should be restored to the structure as quickly as possible by a qualified person.
- Completely seal the structure if it is cold so that heat will not escape from the building.
- Make sure water heaters are drained, and turned off.
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Water Damage Do's and Dont's
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DO'S
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- Remove as much excess water as possible by mopping and blotting.
- Remove wet insulation and start dehumidifier.
- Turn on air conditioning for maximum drying in summer, in winter heat area to approximately 74 to 76 degrees and operate dehumidifier and fans until dry.
- Remove or prop up wet upholstery cushions for even drying.
- Wipe up excess water from wood furniture after removal of lamps and tabletop items.
- Put aluminum foil, china saucers or wood blocks between furniture legs and wet carpeting.
- Remove all valuables, art objects, paintings, jewelry, etc. and put in a safe place.
- Open drawers and cabinet doors for complete drying.
- Blot wet carpeting with clean white towels and lift draperies off carpet, loop through a coat hanger, and place the hanger on the drapery rod.
- Remove wet fabrics and dry them as soon as possible. Hang furs and leather goods to dry separately at room temperature.
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DONT'S
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- Attempt to use any electrical appliances that may have been close to fire, heat or water or while standing on wet floors, carpets or particularly wet concrete floors.
- Turn on ceiling fixtures if ceiling is wet, wiring may be damaged. Keep out of rooms where ceilings are sagging from retained water.
- Use an ordinary household vacuum to remove water.
- Go into rooms with standing water if the electricity is still on.
- Lift tacked down carpet without professional help. Lifting the carpet incorrectly could promote shrinkage.
- Wait to call for professional help. Damage from water and bacteria growth can begin within hours.
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Fire and Smoke Damage Do's and Dont's
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DO'S
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- Limit the movement in the home to prevent soot particles from being impregnated into the upholstery and carpets and cover carpeted areas with towels or old linens to prevent additional damage.
- Tape double layers of cheesecloth over all air registers.
- Change furnace filters.
- Cover upholstery with sheets (if the upholstery is not wet).
- Blow off or brush loose smoke particles from upholstery, drapes and carpet.
- Open windows for ventilation in warm weather.
- Clean and protect chrome trim on kitchen and bathroom faucets and appliances with a light coating of petroleum jelly or light oil.
- Empty freezer and refrigerator completely if electricity is off, and prop doors open with rolled towel or newspaper. And discard any opened food packages, they could be contaminated.
- Wash plants with water on both sides of leaves.
- Remove pets (especially birds) to a clean environment.
- Send clothing with heavy smoke damage to a professional restoration cleaner rather than any dry cleaning company.
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DONT'S
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- Use TV's stereos, or electrical appliances until cleaned and checked.
- Use do-it-yourself home carpet or upholstery cleaners.
- Wash any papered or flat painted walls without consulting your professional cleaner. Incorrect cleaning procedures could compound the soot residue problem.
- Eat food that has been exposed to heat. They may be contaminated.
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Vandalism Do's and Dont's
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DO'S
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- Hose down or wash egg damage from building exterior as soon as possible.
- Wipe up freshly spilled foods from carpets and fabrics with a dampened cloth or sponge.
- Vacuum glass particles from carpets and upholstery with extreme care.
- Save cans and containers which will reveal the composition of spilled inks, cosmetics and paints.
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DONT'S
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- Attempt to remove ink, paint or cosmetic stains.
- Throw out wood chips, broken pieces from furniture, porcelain or art objects. Allow someone experienced in restoration to review damage before discarding.
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