Roofs should be inspected annually. A professional roof contractor can look for exterior and interior warning signs that your roof’s condition may lead to water damage, including cracked or missing shingles and areas where water is prone to pool. An inspection can cost several hundred dollars, but in exchange for your peace of mind, it’s priceless.
Molds can also produce mycotoxins, which are toxic substances found either within or on the surface of spores. They can enter a person's system via ingestion, inhalation or skin contact. Aflatoxin B1 is the best-known mycotoxin. It is a potent carcinogen and inhaling it can cause lung cancer. The fungi Aspergillus parasiticus and Aspergillus flavus produce this carcinogen.
If you have a replacement cost policy, most insurance companies pay claims with two checks. The insurance company will give you the first check after the adjuster has reviewed your damage. This check will be for the estimated cost of repairs, minus depreciation and your deductible. A deductible is the amount of the claim that you're responsible for paying yourself. Review your policy or ask your agent or adjuster if you don't know how much your deductible is.

Believe it or not, there are three types of water. The first type is “clean” water from rain, condensation, leaky pipes, and so on. It’s relatively harmless to clean it up yourself. But if you decide to seek outside help, it costs around $3.75 per square foot for basic water damage cleanup (replacements not included). The second type is gray water, slightly dirty water from dishwashers, washing machines, clean toilets, and so on. And it may have some contaminants. But you can clean it up yourself if you remove it carefully and with proper safety gear to protect yourself. Professional water damage cleanup cost rises to $4.50 per square foot.

Category 3 Water - Known as "black water" and is grossly unsanitary. This water contains unsanitary agents, harmful bacteria and fungi, causing severe discomfort or sickness. Type 3 category are contaminated water sources that affect the indoor environment. This category includes water sources from sewage, seawater, rising water from rivers or streams, ground surface water or standing water. Category 2 Water or Grey Water that is not promptly removed from the structure and or have remained stagnant may be re classified as Category 3 Water. Toilet back flows that originates from beyond the toilet trap is considered black water contamination regardless of visible content or color.[6]