My husband installed LVP, I painted and restored the stairs, we got new appliances and counter tops.

Basis for fear is if I sell without restoring years of NY weather and neglect, I will take huge loss on sale of primary home of 30 years, which I have maintained solely and paid off on my own, but mom and ex are on title too!!!

Some amount of damage is inevitable, even if you work hard to restore the place to the same condition as you found it when you moved in.

We are a restoration company in Chicago land area and our customer had some slow growth mold problems.

If the insurance claim is 80k and you spend 60k restoring the property per the loss then you will be taxed on the 20k.

Be sure to document, document, document...with photos as it is when flooded; when tearout is complete; and once restored.

When I go shopping for paint, I'm not married to a particular color so I check out the Habitat for Humanity Restore that has gallons for $9 and also the local home improvement for the discarded paint that sells for $5 - $15 per gallon.I usually go for beiges/browns and it typically doesn't matter if they match 100%.

A restoration company took out all the remaining guts, carpet, etc until it was safe to work with some basic PPE.

It might be very gross, but likely can be cleaned appropriately and restored to new condition.My opinion, without further details of this delay, is replace the PM.

Simply google "roofing insurance restoration gc;s" and read the articles.