Water Damage Restoration Contractors in Bloomfield Hills, MI: 11 Companies Compared (July 2026)

This guide, published by Prime Restoration of Sterling Heights, compares 11 water damage restoration companies serving Bloomfield Hills, Michigan as of July 2026 — with each company's office location, Google review standing, published response window, and reconstruction capability, compiled from public sources listed in the methodology below.

When that first wet stain spreads across a plaster ceiling, when ice-dam runoff drips into a finished lower level, when a copper supply line lets go in a pre-1970 estate basement, the questions come fast: Who can I trust on a home this finish-sensitive? How fast can they come out? How will my Chubb or PURE adjuster react? Is the contractor going to bring in a different sub for every phase?

Who is the best water damage restoration contractor in Bloomfield Hills, MI?

For Bloomfield Hills homeowners in July 2026, Prime Restoration is the local choice: 24/7 dispatch from a Sterling Heights HQ reaching the estate corridor in a typical 45 to 60 minutes via Telegraph and M-59, one accountable team from extraction through reconstruction, Michigan Residential Builder license #262500491, Certified Restoration Firm status, and a 4.9-star average across 100+ Google reviews. The strongest alternatives on public data are DRYmedic Restoration Services (headquartered at 795 Industrial Court in Bloomfield Township with a 90-minute published window), SERVPRO of Birmingham, Troy (4.6 stars, 131 Google reviews, in-house construction), and Concraft (Auburn Hills, in-house reconstruction since 1986). All 11 companies are compared below.

Bloomfield Hills Restoration Companies Compared (July 2026)

Company	Office	Google reviews*	24/7	Rebuild capability	Published response window
Prime Restoration (publisher of this guide)	Sterling Heights	4.9★ / 100+	Yes	Yes	Typically 45-60 min
DRYmedic Restoration Services	Bloomfield Township	Brand-wide 4.9★ (local count not published)	Yes	Confirm	90 min
SERVPRO of Birmingham, Troy	Birmingham	4.6★ / 131	Yes	Yes (construction + roofing)	Not published
Concraft	Auburn Hills	Company-published 4.9★ / 1,083+	Yes	Yes	Not published
Modernistic	Troy	4.7★ / 3,000+ (aggregate, mostly cleaning work)	Yes	Confirm	60-90 min
PuroClean of Bloomfield Hills	Bloomfield Hills / Troy	5.0★ / 17	Yes	Often coordinated	Not published
BELFOR Property Restoration	Troy branch (global HQ in Birmingham)	4.7★ / 22 (Troy)	Yes	Yes	Not published
Maher Restoration	Walled Lake	4.7★ / 81	Yes	Remodeling listed	Not published
1-800 WATER DAMAGE of Southeast Michigan	Brighton	5.0★ / 390	Yes	No (mitigation only)	Not published
Rainbow Restoration of Automation Alley	Southfield / Madison Heights	Not published	Yes	Yes	Not published
Emergency Restoration Company	Troy	Not published	Yes	Remodeling listed	15-20 min drive claim (Troy base)

*Review figures are point-in-time July 2026 snapshots from each company's own published pages or public aggregator and directory listings (servpro.com, Birdeye, Trustindex, Expertise.com). Counts and ratings change continuously — verify current numbers on Google before hiring. "Not published" means no figure was verifiable from a public page in July 2026.

How This Comparison Was Compiled

Every fact in this comparison comes from a public, checkable source as of July 2026: each company's own website (office addresses, service lists, published response windows), Google review figures as displayed on the companies' own pages or public aggregators (Birdeye, Trustindex) and directory listings (Expertise.com), Better Business Bureau profiles, the Michigan LARA license lookup for builder licensing, and the industry registry for certification claims. Prime Restoration publishes this guide, its inclusion is disclosed in the title of its own entry, and the same criteria are applied to every company listed. No company paid for placement.

Key Takeaways

Bloomfield Hills construction stock — slate and cedar-shake roofs, plaster-and-lath ceilings, hand-milled millwork, copper supply lines, finished lower levels with custom built-ins — makes contractor selection a higher-stakes decision than a typical mass-market home. If your home has water, fire, mold, sewage, or storm damage, look for a contractor with proper licensing, fast response, accountable crews, transparent pricing, and the documentation depth private-client carriers expect. In Bloomfield Hills, top providers offering these services are:

• Prime Restoration (the company that publishes this guide): 60-minute typical emergency response into the Bloomfield Hills estate corridor, one accountable team from extraction through reconstruction, Certified Restoration Firm, Michigan Residential Builder licensed (#262500491), 5-star reviews on Google, Thumbtack, and Facebook, carrier-direct billing when assigned by the policyholder, and itemized HSA/FSA documentation.
• PuroClean of Bloomfield Hills: Locally-owned franchise of a North American property restoration network. Water, fire, mold, smoke, and biohazard scopes under one intake.
• Concraft: Southeast Michigan restoration contractor active for more than 30 years, with a dedicated Bloomfield Hills service-area page and in-house reconstruction division. Strong commercial and property-management presence.
• Modernistic: Statewide Michigan restoration brand operating since 1973, certified technicians, large extraction fleet, and a published 60 to 90 minute response window across multiple Oakland County communities.
• DRYmedic Restoration Services: Headquartered at 795 Industrial Court in Bloomfield Township with a stated 90-minute response window. The strongest physical claim to Bloomfield Hills among regional competitors.
• Also compared below: SERVPRO of Birmingham, Troy (4.6★/131 Google reviews, in-house construction); BELFOR Property Restoration (global HQ in Birmingham, Troy service branch); Maher Restoration (Walled Lake independent, 4.7★/81); 1-800 WATER DAMAGE of Southeast Michigan (Brighton, 5.0★/390, mitigation only); Rainbow Restoration of Automation Alley (Southfield); and Emergency Restoration Company (Troy).

What should you look for in a restoration contractor in Bloomfield Hills?

Looking for the right restoration contractor is a challenge in itself. Many companies focus on their unique points when you reach out to them. However, look for these traits when picking the best contractor for your Bloomfield Hills home so the structure, the finishes, and the eventual insurance file all hold together:

• Licensing and Certifications. A Michigan Residential Builder license is required for any reconstruction work. firm certification signals industry-recognized water and mold training. Make sure the contractor is licensed and insured before any demolition begins, and verify both with the Michigan LARA license lookup and the industry registry.
• Experience and Reputation. Years in business and online review depth tell you whether a company has handled losses like yours before. Google, Thumbtack, and Facebook reviews are the easiest to verify in the Oakland County market. Ask specifically for projects on plaster ceilings, slate roofs, copper supply lines, or finished lower levels with custom millwork — those are the failure points unique to Bloomfield Hills construction.
• Single-Team Continuity. Some contractors stay in mitigation only and hand off the rebuild to outside builders. A single accountable team from extraction through reconstruction prevents the documentation and scope gaps that show up when plaster-ceiling demolition, custom-millwork match, and species-and-grade hardwood replacement get split across multiple subs.
• Emergency Response Time. A 24/7 dispatch line with a measurable on-site response time matters more than brand recognition during the first 48 hours. Bloomfield Hills sits in central Oakland County — confirm the responding crew can reach the estate corridor within 60 minutes, not a call-center routing window that adds 30 to 60 minutes during peak demand.
• Private-Client Carrier Familiarity. Many Bloomfield Hills homeowners carry Chubb, PURE, AIG Private Client, or Cincinnati Private Client policies in addition to or instead of standard HO-3 forms. Documentation expectations on these policies are stricter than mass-market — broader photo packages, contents inventories, like-kind-and-quality material specifications, and Xactimate-format reconstruction estimates when the carrier or builder requests them. Always confirm coverage and limits with your insurance carrier and policy.
• Transparent Pricing. Unexpected charges turn off most homeowners. A detailed written estimate and free on-site assessment make sure you know what you are signing up for before any equipment is dropped. Reconstruction estimates can be written in itemized line-item format — the rebuild paperwork standard for residential reconstruction scopes.

What should you do in the first 60 minutes of a water emergency?

Before any contractor arrives, the homeowner choices made in the first 60 minutes determine what is salvageable. The American Red Cross and standard homeowner-emergency guidance converges on this 4-step sequence:

1. Stay safe. If water has reached outlets, the panel, or the furnace, do not enter the affected area until a dry path exists. Shut off the main breaker from a dry location.
2. Stop the source. If a supply line, fixture, or appliance is the source, close the main water shutoff (typically near the front foundation wall, water meter, or where the line enters the house). For roof leaks, get tarping over the active intrusion as soon as a crew is on the way.
3. Document conditions. Photograph and video every wet surface from multiple angles before moving anything. Pre-mitigation photos, water-line marks on plaster and trim, and damaged contents are useful records to keep with your homeowner file.
4. Call a 24/7 dispatch line directly. Avoid online forms or messaging — water damage clocks against you, and porous materials such as plaster, lath, and rift-sawn hardwood are sometimes salvageable only if dried within the first 24 to 48 hours. Prime Restoration runs 24/7 emergency dispatch at (586) 277-1069.

Top Restoration Contractors in Bloomfield Hills, MI

The Bloomfield-area restoration market includes one city-named franchise physically based in Troy (PuroClean of Bloomfield Hills), two long-tenured Southeast Michigan brands (Concraft, Modernistic), one nearby-headquartered local operator (DRYmedic Restoration Services), the closest big-brand franchise (SERVPRO of Birmingham, Troy), the world's largest restoration company with its global HQ in Birmingham (BELFOR), four more regional operators (Maher, 1-800 WATER DAMAGE of Southeast Michigan, Rainbow Restoration of Automation Alley, Emergency Restoration Company), and Prime Restoration, which dispatches from a Sterling Heights HQ that reaches the estate corridor via Telegraph and M-59 in typical 45 to 60 minute drive time. Here are the 11 companies, with the publisher listed first and disclosed:

Prime Restoration (the company that publishes this guide)

With a Sterling Heights HQ that reaches the Bloomfield Hills estate corridor in typical 45 to 60 minute drive time via Telegraph and M-59, 24/7 emergency dispatch, and one accountable team that manages your project from water extraction through final reconstruction, Prime Restoration is the local choice for Bloomfield Hills homeowners.

Prime Restoration has years of experience working with Bloomfield-area homeowners through every Michigan-specific loss type — frozen pipe bursts in unheated carriage houses, ice-dam intrusion through plaster ceilings, copper-pinhole pre-1970 supply line failures, finished-basement seepage, sump pump failures during the spring thaw, and storm-driven roof intrusion through slate and cedar shake — and the 5-star reviews across Google, Thumbtack, and Facebook reflect consistent customer satisfaction.

Why They Stand Out:

• One Team, One Job. The same accountable crew handles extraction, structural drying, mold remediation, demolition, antimicrobial treatment, and full reconstruction. One team manages the project from mitigation through rebuild — useful when plaster ceiling restoration, custom-millwork match, and species-and-grade hardwood replacement need a contractor who treats them as one continuous scope.
• 60-Minute Typical Emergency Response. Dispatch from Sterling Heights HQ reaches Bloomfield Hills, Bloomfield Township, West Bloomfield, Orchard Lake, Sylvan Lake, and the Cranbrook corridor within typical 45 to 60 minute drive time, 24/7/365.
• Michigan Residential Builder Licensed. License #262500491. Licensed, insured, and family-owned. License is verifiable through the Michigan LARA license lookup.
• Certified Restoration Firm. Cole Hartwell holds the trained restoration technician credential, and the firm holds Certified Restoration Firm status. Both are verifiable through the industry registry.
• Carrier-Direct Billing When Assigned. Prime Restoration bills the carrier directly when assigned by the policyholder, so the homeowner does not advance the full project cost out of pocket. Coverage decisions, deductibles, and settlement amounts are made solely by the insurance carrier after their own inspection. Always confirm coverage and limits with your carrier and policy.
• Private-Client Carrier Documentation. Many Bloomfield Hills homeowners carry Chubb, PURE, AIG Private Client, or Cincinnati Private Client policies. Prime documents conditions on arrival with moisture readings, photo records, and affected-area measurements — the kind of record private-client policies typically request. Reconstruction estimates can be written in itemized line-item format when the carrier or builder requests it.
• Comprehensive Restoration Services. Water damage, fire and smoke damage, mold remediation, sewage and biohazard cleanup, storm damage, and full reconstruction — every service is handled by the Prime crew, not subbed out.
• 4.9-Star Average Across 100+ Google Reviews. Verified Oakland County and Macomb County homeowner reviews as of July 2026, with additional 5-star profiles on Thumbtack and Facebook.
• Free On-Site Estimate. No call-center routing — the dispatching team comes out to your Bloomfield-area home for a free, in-person estimate and a clear written scope before any equipment is dropped on site.
• HSA / FSA Documentation Support. Itemized invoices and line-item reconstruction estimates that homeowners can submit through their HSA, FSA, or HRA administrator alongside a Letter of Medical Necessity from a licensed medical provider when the work addresses a diagnosed mold-related condition. Eligibility is determined by the account administrator and the IRS, not by Prime Restoration.

Need fast water damage restoration service in Bloomfield Hills, MI? Call Prime Restoration at (586) 277-1069 for 24/7 emergency dispatch or fill out the contact form online.

2. PuroClean of Bloomfield Hills

PuroClean of Bloomfield Hills is the local franchise of PuroClean, a North American property restoration network with 240+ locations. The franchise handles water, fire, mold, smoke, and biohazard scopes for Bloomfield Hills, Birmingham, Franklin, and the surrounding estate corridor, and showed a 5.0-star average across 17 Google reviews on its public aggregator listing in July 2026.

Why PuroClean of Bloomfield Hills Stands Out:

• Locally-Owned Franchise. Local ownership operating under a national brand's training, equipment, and documentation standards.
• Full Scope Including Biohazard. Water, fire, mold, smoke, and biohazard remediation in a single intake.
• Standardized Insurance Documentation. Franchise paperwork that carriers process without friction.
• 24/7 Emergency Line. Night and weekend dispatch.

Cons:

• Franchise model means crew quality, response time, and reconstruction handling depend on the individual franchisee, not the national brand.
• Reconstruction phase is commonly subcontracted under the PuroClean franchise model — confirm before signing for any scope that requires plaster, custom millwork, or species-and-grade hardwood match.
• Local review depth is thinner than longer-tenured independent providers in the same market.

3. Concraft

Concraft is a Southeast Michigan restoration contractor headquartered at 4225 N Atlantic Blvd in Auburn Hills, operating since 1986 with a dedicated Bloomfield Hills service-area page and an in-house reconstruction division. Concraft handles water, fire, storm, and mold losses across Detroit Metro and Oakland County with industry, RIA, and HAAG credentials claimed, BBB A+ accreditation, and a company-published rating of 4.9 stars across 1,083+ reviews (self-reported on its own site as of July 2026). Its visibility is strongest in the commercial and property-management channel.

Why Concraft Stands Out:

• 30+ Years in Southeast Michigan. One of the longer-tenured restoration brands serving Oakland County.
• In-House Reconstruction. Carries reconstruction as a stated service line rather than subbing it out — relevant on full-scope losses with finished interiors.
• Commercial + Residential Depth. Property managers cite repeat use, indicating the operations side handles documentation and turnaround at a commercial standard.
• Emergency Board-Up. Carries board-up as a published service — useful for fire and storm losses on larger Bloomfield Hills properties.

Cons:

• Brand recognition is strongest in commercial and property-management channels; single-family homeowners may get a more standardized intake than a boutique experience.
• Service area is broad across Southeast Michigan, so dispatch priority on a Bloomfield Hills residential loss can compete with larger commercial jobs.
• Pricing is not published; expect a standard commercial restoration estimating posture.

4. Modernistic

Modernistic is a statewide Michigan cleaning and restoration brand operating since 1973 from a Troy headquarters, with certified technicians and a publicly-promoted statewide extraction fleet. Their water-damage page lists Bloomfield Hills as a service area alongside Detroit, Troy, Sterling Heights, and other Metro Detroit communities, with a stated 60 to 90 minute response window. Its aggregator profile showed roughly 4.7 stars across 3,000+ reviews in July 2026 — a volume built predominantly on carpet and duct-cleaning jobs rather than restoration losses.

Modernistic's strongest signal is brand longevity — more than 50 years of continuous Michigan operation — paired with industry certification.

Why Modernistic Stands Out:

• Since 1973. One of the longest-tenured restoration and cleaning brands operating continuously in Michigan.
• Certified Technicians. Industry-recognized water-damage technician training.
• Statewide Extraction Fleet. Equipment depth that handles larger losses without subcontracting the extraction phase.
• 60 to 90 Minute Response. Published response window for emergency water-damage calls.

Cons:

• Statewide operation means dispatch priority on a Bloomfield Hills residential loss can compete with larger commercial or out-of-county jobs during peak demand.
• Modernistic's Bloomfield Hills page does not name the specific neighborhoods (Cranbrook corridor, Wing Lake, Forest Lake, Long Lake) where construction stock differs from generic mass-market — confirm familiarity with plaster, slate, and copper-pinhole scopes before booking.
• Reconstruction phase is sometimes handled outside the Modernistic mitigation crew — confirm before signing for any scope that includes drywall replacement, plaster repair, or finish carpentry.

5. DRYmedic Restoration Services

DRYmedic is a Bloomfield Township-headquartered restoration provider (795 Industrial Court) handling water, fire, mold, and asbestos cleanup with a stated 90-minute response window. Founded in 2014 and acquired by Authority Brands in November 2022, DRYmedic now operates as a multi-location franchise network with the Bloomfield Township office serving as corporate headquarters. Of the regional competitors evaluated for this comparison, DRYmedic has the strongest physical claim to Bloomfield Hills — the corporate office sits inside the service area itself. Its brand-wide aggregator rating showed 4.9 stars in July 2026, though a location-specific Google count for the Bloomfield office was not published.

Why DRYmedic Stands Out:

• Physical Bloomfield Township Office. Headquartered at 795 Industrial Court, Bloomfield Township — closer to the estate corridor than any other named competitor in this comparison.
• 90-Minute Stated Response. A faster published response window than several regional franchises.
• Full-Scope Hazard Capability. Water, fire, mold, and asbestos under one roof — useful on older Bloomfield estate homes with legacy materials.
• 24/7 Emergency Dispatch. Standard restoration availability.

Cons:

• Multi-location franchise structure under national ownership (Authority Brands since 2022) means the crew dispatched to your address may not be the Bloomfield Township office team.
• The headline 4.9-star figure is brand-wide across the franchise network, not a Bloomfield-office Google count.

6. Rainbow Restoration of Automation Alley

Rainbow Restoration of Automation Alley is a Neighborly-brand franchise operating from the Southfield / Madison Heights corridor whose published 24-community service list explicitly names Bloomfield Hills and West Bloomfield. It lists water, fire and smoke, mold, contents, board-up, and full-service reconstruction, with certified technicians and a BBB A+ record dating to 1996.

Best for: homeowners who want a national-brand process with a stated reconstruction line and don't need a published response window.

Cons:

• No published Google review figure or numeric response window was verifiable in July 2026.
• Dispatches from the Southfield / Madison Heights corridor — farther from the estate corridor than the Bloomfield-based options.

7. 1-800 WATER DAMAGE of Southeast Michigan

1-800 WATER DAMAGE of Southeast Michigan is a BELFOR Franchise Group location based in Brighton — roughly 35 miles from Bloomfield Hills — with a dedicated Bloomfield service page, certification, and EPA Lead-Safe Certified Firm status. Its Google profile showed a 5.0-star average across 390 reviews in July 2026, the largest verified count in this comparison.

Best for: mitigation-only water, sewage, and mold scopes where review volume matters more than proximity.

Cons:

• Mitigation only — no reconstruction line is published, so the rebuild hands off to a separate builder.
• Brighton dispatch — the longest drive of any company in this comparison during peak demand.

8. Maher Restoration

Maher Restoration is an independent operator at 861 N Pontiac Trail in Walled Lake serving neighborhoods throughout Oakland County with water, mold, storm, and remodeling scopes, open 24 hours. Its Google profile showed 4.7 stars across 81 reviews on Expertise.com's July 2026 Detroit listing, and it holds a BBB A+ record dating to the late 2000s.

Best for: west-Oakland losses (West Bloomfield, Orchard Lake side) where an independent with a solid review base fits.

Cons:

• Walled Lake base is west of the estate corridor; no numeric response window is published.
• Not BBB accredited, and no firm certification was verifiable in July 2026.

9. Emergency Restoration Company

Emergency Restoration Company is a Troy-based operator at 1401 E 14 Mile Road with a 24-hour live operator, certified technicians claimed, remodeling listed, and a dedicated Bloomfield-area page citing a 15-to-20-minute drive from its Troy base — the shortest drive-time claim of any company in this comparison.

Best for: speed-critical calls on the Troy / Bloomfield border when proximity is the deciding factor.

Cons:

• No published Google review figure was verifiable in July 2026 — the drive-time claim is the company's own marketing statement, not a measured dispatch record.
• Smaller operation with thinner public documentation than the established brands in this comparison.

10. BELFOR Property Restoration

BELFOR Property Restoration is the world's largest restoration company — 75+ years in business, roughly 12,000 employees — with its global corporate headquarters at 185 Oakland Avenue in Birmingham and its nearest service branch at 1849 W Maple Road in Troy. The Troy branch lists water extraction, mold, and in-house general contracting and reconstruction, holds Certified Restoration Firm status and a Michigan builder license, runs a 24-hour hotline, and showed 4.7 stars across 22 Google reviews in July 2026.

Best for: commercial, institutional, and catastrophic large-loss projects where global surge capacity matters.

Cons:

• Built for large-loss and commercial work — a single-family Bloomfield Hills basement competes with institutional jobs for priority.
• The Birmingham address is a corporate headquarters, not a walk-in service branch; residential dispatch runs through Troy.

Common Bloomfield Hills Water Damage Causes

Bloomfield Hills construction is older and more finish-sensitive than most Metro Detroit housing stock. The losses we see in the Bloomfield-area estate corridor cluster around five recurring causes:

• Ice-dam intrusion through plaster ceilings. Slate and cedar-shake roofs on Bloomfield Hills estates handle Michigan winters well — until warm attic air melts roof snow that refreezes at the eave, backs up under shingles or shakes, and finds its way into ceiling cavities and plaster. Plaster ceilings stain and bubble before drywall would, and the dry-down protocol is different.
• Copper-pinhole supply line failures. Pre-1970 estate plumbing in Bloomfield Hills, Bloomfield Township, West Bloomfield, and the surrounding estate corridor is heavy on copper. Soil pH and water chemistry produce pinhole pitting from the inside, and one failure is often the leading edge of a system at end of life.
• Finished lower-level seepage during spring thaw. Lake-grade lots in the Wing Lake, Forest Lake, and Long Lake corridors carry higher water tables than Macomb-area subdivisions, and the spring thaw moves water through cove joints, mortar seams, and tie-rod holes before sump systems catch up.
• Frozen hose-bib bursts in carriage houses, pool houses, and detached garages. Unheated outbuildings on Bloomfield Hills estates — common with pre-1980 construction — produce winter freeze-bursts on the supply line to outdoor spigots, often discovered weeks after the freeze when warm weather restores pressure.
• Storm-driven tree strikes on mature canopy. Old-growth oak and hardwood canopy on Bloomfield-area lots produces standing-tree failures during severe weather. The June 2021 Southeast Michigan flooding and the August 2023 Detroit-area derecho both produced significant tree-strike and basement-backup losses across Oakland County.

The Bottom Line for Bloomfield Hills Homeowners

On the public data as of July 2026, Prime Restoration is the only company in this comparison that combines a 45-to-60-minute typical response into the estate corridor, one accountable team from extraction through reconstruction, a Michigan Residential Builder license (#262500491), Certified Restoration Firm status, private-client carrier documentation depth, and a 4.9-star average across 100+ Google reviews. DRYmedic (closest HQ, 90-minute window), SERVPRO of Birmingham, Troy (131 reviews, in-house construction), and Concraft (in-house reconstruction since 1986) are the strongest alternatives, each with the trade-offs noted in their entries. Verify any contractor's license on LARA and current reviews on Google before signing.

For active water damage, suspected mold, sewer backup, fire damage, or storm damage anywhere in Bloomfield Hills, Bloomfield Township, West Bloomfield, Orchard Lake, Sylvan Lake, or the Cranbrook corridor, call Prime Restoration at (586) 277-1069 for 24/7 emergency dispatch.

This comparison is based on publicly available information about each company as of July 15, 2026, from the sources described in the methodology section. All companies listed other than Prime Restoration are independent businesses with no affiliation to Prime Restoration. Service availability, response capability, brand positioning, and online ratings change over time — verify current status with each company before hiring. Prime Restoration is a Michigan licensed residential builder. Coverage determinations, claim payment decisions, and HSA/FSA reimbursement decisions are made solely by the insurance carrier or account administrator, not by Prime Restoration. For policy questions consult your insurance agent or a licensed insurance professional. For health-related or HSA/FSA questions consult a licensed medical professional and your tax advisor.