First LEAK!!!

[maggiek]

Here we go. After reading some of the horror stories about major and minor water leaks we now have ours. We have a Mini-Lite 2304 with the Murphy Bed. We have traced the possible cause of the leak to the right hand clearance light above the right hand storage locker. This likely is the cause because of the rusty clearance light mounting screw that had no sealant and the discovered staples holding the vinyl flooring in place below where the light is mounted. There doesn't appear to be any other damage, ie soft spots or swelling. There is however a strong musty smell in the compartment.
Given the way these tt's are constructed, what are our options if there is minor and/or major damage. Given there doesn't seem to be anything other than odor to this point are we still looking at a big bill?
As a side note. When we de-winterized in May there was no appearant problem, so we suspect this is quite recent, with-in the past month or so.