It is not clear what you want to know. I would think that the insurance company will take care of the problem. So in that sense, you will not need to deal with this in the future. Whether or not there is a potential claim against the owner for failure to disclose this information or not, I am not sure. You would have the difficult task of proving that she was aware of the problem and that her lack of disclosure resulted in your health problems. I do not know how you would put a price on your damages. Since she is out of state at least part of the time, she might be able to claim ignorance.
I am not saying it would be an impossible case to win. But I would think you need to consult with a personal injury lawyer, before deciding how to proceed, or if you should.
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First, take care of your health issues and obtain treatment. If necessary, your treatment should be ongoing. You haven't disclosed the nature of your illness so it is unclear whether you have symptoms that are commonly associated with mold exposure, such as respiratory problems, asthma, allergic reactions, headaches, nausea, etc. Next, if you can't obtain test results from your landlord, hire your own mod testing firm. For about $500 you can have a mold inspection firm come out to your place and take samples form the air and surfaces at various locations in your house. They will identify the concentrations of different types of mold (stachybotrys, penicillium, aspergillus, etc.) in the air and surfaces of your bedroom, kitchen, living room, etc. They will also perform visual inspections and write up a written report, including recommendations for corrective action. Third, have your personal items of property that have been damaged by mold professionally cleaned or repaced. Make an inventory of cleaning and replacement costs. Fourth, armed with the.report from the mold inspection firm, consult a personal injury or landlord-tenant attorney who prosecutes mold exposure cases. If you have sufficiently strong evidence, including the mold inspection report and medical records, you may be abe to recover your medical expenses, damage to personal property, pain and suffering, and perhaps even your attorney's fees. Possible legal theories to pursue include breach of contract, negligence, breach of implied warranty of habitability, and constructive eviction. Good luck.
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You also haven't identified who the insurance company represents. Is it a tenant's policy or the landlord's policy? There might be policies for both landlord and tenant. If you seek medical bill payments and pain and suffering, those kinds of benefits would require you to sue the LANDLORD and prove negligence and damages. Your tenants policy would cover other things (not medical and pain and suffering) like repairs and personal property damage. It would be wise to retain an experience property loss public adjuster or attorney. Good luck
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