[Restorer]

cracked siding allowing moisture thru the outer walls & hidden by wall paper.

I don't think I've mentioned it before, but vinyl wallpaper, especially on exterior walls, is a disaster waiting to happen. The vinyl prevents escape of water vapor to the interior, so the wall cavity cannot dry. Meanwhile, it hides the evidence that there is a problem inside the wall cavity until it has reached disastrous proportions.

BTW, almost all structures can be remediated. I could have put you in touch with contractors in the Bay Area who really know their stuff. And there is a distinct possibility that you actually had insurance coverage for the problem, even if the insurer told you that there wasn't.

Sorry for your bad luck!

[Ditter]

We did get $70K from the insurance co but that was the cost of remediation alone. The build back was $150K. It was a cheaply built (we didn't build it) 15 year old house & for $320K we could have torn it down & built a new one so we considered it totaled. We sold it as is. People should not take this mold thing lightly. Yes I think a lot of what is going on is a scam but that doesn't mean you can't get caught up in it.