[{"data":1,"prerenderedAt":86},["ShallowReactive",2],{"guide-flood-fire-damage-first-steps-zh-Hant":3},{"guide":4,"related":65},{"title":5,"seoTitle":6,"description":7,"summary":8,"sections":9,"faq":30,"cta":37,"date":39,"updated":40,"service":41,"order":42,"sources":43,"slug":63,"locale":64},"紐約市及長島業主在水浸或火災後的初步處理","水浸及火災後的處理步驟","水浸或火災後最初數天的處理重點：安全、電力、保險索償記錄、乾燥，以及確定重建範圍。","首先確保物業安全，丟棄任何物品前先以相片記錄全部損毀，通知保險公司，並在 24 至 48 小時內開始乾燥。浸過水的電線，應由持牌電工檢查後才恢復供電。",[10,18,22,26],{"heading":11,"list":12},"最初 24 小時",[13,14,15,16,17],"[結構受損](https:\u002F\u002Fwww.ready.gov\u002Fhome-fires)、插座附近有積水或聞到煤氣味，切勿進入","[受影響範圍保持斷電](https:\u002F\u002Fwww.psegliny.com\u002Fen\u002FSafetyAndReliability\u002Fstormsafety\u002Ffloodsafety)，待電工檢查","清理前，[每個房間及每件受損物品拍攝相片及影片](https:\u002F\u002Fwww.floodsmart.gov\u002Frecover\u002Fdocument-damage)","致電保險公司，記下索償編號","防止雨水再次滲入：屋頂覆蓋防水布，門窗破損處封板",{"heading":19,"paragraphs":20},"乾燥及拆除",[21],"濕透的石膏板、隔熱棉及地毯通常要[盡快拆除，以防發霉](https:\u002F\u002Fwww.epa.gov\u002Fmold\u002Fbrief-guide-mold-moisture-and-your-home)。量度濕度可判斷哪些可以保留。乾燥越快，維修範圍越小。",{"heading":23,"paragraphs":24},"與保險公司配合",[25],"保單賠償範圍由理賠員決定。清晰的書面工程範圍、[相片及逐項估價](\u002Fguides\u002Fflood-fire-damage-tax-records)，有助理賠員審核。水浸損失通常[只由洪水保險承保](https:\u002F\u002Fwww.floodsmart.gov\u002Fknow-your-risk\u002Fwhat-is-a-flood)（flood insurance），一般家居保險並不承保。",{"heading":27,"paragraphs":28},"重建時加強防水防潮",[29],"地庫及半地庫改用防潮石膏板及 LVP 乙烯基地板，並提高插座安裝位置，額外費用不多，卻可減少日後的損失。",[31,34],{"q":32,"a":33},"可否自行恢復供電？","插座、電箱或電線浸過水的，不可自行恢復供電，應先由持牌電工檢查；在紐約市，部分維修還須申請許可證並通過檢驗。",{"q":35,"a":36},"貴公司會否與保險公司聯絡？","我們會記錄損毀情況，並向您的理賠員提供工程範圍及估價。我們並非公共理賠師（public adjuster），不能代您與保險公司協商索償。",{"text":38},"請提供損毀相片、損失日期及保險索償編號。我們將免費提供[將緊急工程與重建工程分開列明](\u002Fservices\u002Frestoration)的書面工程範圍及估價，可直接交予理賠員。","2026-10-24","2026-10-25","restoration",12,[44,48,52,55,59],{"title":45,"url":46,"publisher":47},"A Brief Guide to Mold, Moisture and Your Home","https:\u002F\u002Fwww.epa.gov\u002Fmold\u002Fbrief-guide-mold-moisture-and-your-home","U.S. Environmental Protection Agency",{"title":49,"url":50,"publisher":51},"What is a Flood?","https:\u002F\u002Fwww.floodsmart.gov\u002Fknow-your-risk\u002Fwhat-is-a-flood","FEMA, National Flood Insurance Program",{"title":53,"url":54,"publisher":51},"Document Your Damage","https:\u002F\u002Fwww.floodsmart.gov\u002Frecover\u002Fdocument-damage",{"title":56,"url":57,"publisher":58},"Flood Safety","https:\u002F\u002Fwww.psegliny.com\u002Fen\u002FSafetyAndReliability\u002Fstormsafety\u002Ffloodsafety","PSEG Long Island",{"title":60,"url":61,"publisher":62},"Home Fires","https:\u002F\u002Fwww.ready.gov\u002Fhome-fires","Ready.gov (FEMA)","flood-fire-damage-first-steps","zh-Hant",[66,71,76,81],{"slug":67,"title":68,"description":69,"service":41,"date":40,"updated":70},"flood-fire-damage-tax-records","水浸或火災後應保存的稅務記錄","紐約市及長島業主遇上水浸或火災後應保存的記錄、2026 年州宣布災害的新規定，以及出租物業的不同處理方式。","2026-10-26",{"slug":72,"title":73,"description":74,"service":75,"date":39,"updated":40},"rental-turnover-cost-tips","降低出租單位換租翻新及維修成本","紐約市及長島業主縮短空置期、減少每次翻新開支的實用做法：統一物料、耐用物料及定期保養。","rental",{"slug":77,"title":78,"description":79,"service":80,"date":39,"updated":70},"building-maintenance-checklist","紐約市小型樓宇業主保養清單","紐約市小型多戶及商住樓宇的季度及年度保養項目，以及不少樓宇須進行的法定檢查。","maintenance",{"slug":82,"title":83,"description":84,"service":85,"date":40,"updated":70},"nyc-local-law-92-94-roof-replacement","紐約市換屋頂與地方法第 92 號及第 94 號","紐約市換屋頂何時須加裝太陽能板或綠化屋頂、哪些工程可獲豁免，以及屋頂與太陽能如何作為同一項目申報。","roofing",1793066398652]