In general, water damage dry out is a service that currently does not require licensing, BUT most dry out and mold remediation requires some demolition and labor, aside from placing machines. By law, every job above $500 requires an active contractor license.

http://www.cslb.ca.gov/Newsletter/2015-Fall/disasterresponse.asp

Not necessarily. Floods are not covered, and a lot of water related spills are not covered because they are viewed as maintenance issues. You didn't do proper maintenance on your home, therefore you are not covered. You should check with your insurance agent today to find out what is and is not allowed for, and add additional coverage if necessary.

Water damage is a progressive condition and that drying time varies depending on the types of materials, quantity of water, degree of saturation, airflow volume and velocity, temperature and the indoor and outdoor humidity

We will work hand in hand with your insurance claim adjuster to resolve your claim as fast as possible.

YES. These are definitely signs of water damage that are most likely caused by the water supply behind the wall. If this has been going on for a period of time, there may be a mold problem behind the cabinet or wall. Call a professional for help determining the extent of damage.

NO. You do not have to use the company the insurance company recommends. You are free to hire whomever you want. Most reputable water damage companies have worked with the major insurance companies and are experts at dealing with adjusters and claims. Given your information, they will usually deal directly with your adjuster to make the process smooth and easy for you.

Anti-microbials or biocides are used by many companies to prevent the growth of mold, mildew, and other contaminants. It is wise to avoid exposure to any chemicals. Ask the restoration company what they will be using use and to provide you with the MSDS sheet for that product. To be safe, keep yourself, children, and pets away during this process.