Peerless - I agree with you completely about the insurance companies and their attitude to almost any kind of settlement due to water damage. My concern is that if you REALLY cleaned up the mold mess, and I'm not talking about with just bleach and junk. To see what I'm speaking of ( and I'm not selling ANYTHING ), go to my wife's website and check out what mold did to us. We are actually dying because of the insurance company and the medical community's attitude. When I first started finding out about this stuff, it scared me. Check out Toxic Mold - It CAN Poison You... and you may check your cleaning job again. Just a tip from a fellow guitarist. Any contact info you may need is there, also.