It would depend on how much it will cost to repair. They may call it a total loss and give you a check for the insured amount less the amount you owe on it. Then you are on your own to find another place. The insurance co would probably sell it for what they could and recoop some of their loss.
It’s just the same with the automobile insurance.
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Call your insurance company & ask them these questions & if you get a tap dance from them, please seek the advice of a lawyer & go from there.
I bet it’s mildew, which is far more common than mold. When they clear you, just clean it up with bleach and paint with Kilz. Done!
It would depend on how much it will cost to repair. They may call it a total loss and give you a check for the insured amount less the amount you owe on it. Then you are on your own to find another place. The insurance co would probably sell it for what they could and recoop some of their loss.
It’s just the same with the automobile insurance.
#1 Get a good attorney #2, Pray
Wait until it has been assessed!