Damaged mobile home - Insurance? Mold? Rats? Help!
Ok, any advice is appreciated. Advice regarding whether insurance will cover damages or replace home, or advice on repairing the home and removing mold from walls! Thanks in advance!
Ok, I have an 87 14X70 mobile home.
The first flood and landslide occured in 2004.
My home is on a hill, so it wasn't "in" the flood. (We have had another flood since, and a couple smaller landslides.)
However, I have steep hills on 3 sides of the home,
and water comes off the hills, and collects under the trailer. We have tried to re-route the water with drainage ditches, but it has NOT dried up completely!
During the 2004 flood, we had a large landslide!
One of the hills came down, and knocked some of the underpinning out, as well as shifted the mobile home slightly off some of the blocks.
Since then, it has shifted more, and now the sliding glass door has a big gap, and will not close completely.
The kitchen counter is beginning to crack, from the trailer being off level.
A wall in one of the end rooms is bulging in considerably, I assume from the shift and twist of the trailer.
Some of the underpinning in the front has popped off, and some if bulging, from the shift.
More water has accumulated underneath, and the floors has become warped and rotten. We removed the carpet in all rooms, to assess damage, when we had hopes of making repairs.
The livingroom floor is so buckled, it looked almost like a rollercoaster track.
The bathroom floor buckled, and even cracked the linoleum. The hall floor has a huge weak spot, with a crack.
The bedroom floor rotted, leaving 3 holes, one very large.
Now, rats have gotten in through one of the holes in the bedroom, and have infested the trailer. They have chewed holes in the walls, and caused more damage! We have set out traps, tried cats as "mousers", nothing is working!
We had a massive waterleak in the bedroom closet, the water heater must have been leaking for a long while, in the wall, as the wall have rotted, as has the floor. Mold and mildew EVERYWHERE, including inside the wall!
We also have walls needing replaced, due to moisture accumulation underneath. Two walls in the livingroom at rotted out, one in the bedroom, and one in the hall literally crumbled. Ofcourse, that was mostly from a water leak we found behind the washer.
The lower cupboards in the kitchen are severely damaged, from the humidity.
Frankly, I am lost. I don't know what to do. All along, we have been trying to get up the money to make all the repairs. But anymore (especially after finding the mold IN the wal), i'm not so sure that CAN make the repairs!
Has anyone dealt with anything like this before? Would insurance cover this at all? Has anyone dealt with mold in the walls, and know how to remedy it, without replacing all the walls? Any good ways to rid the rats from the home, without poisoning them and potentially poisoning the cats?
(The rat situation is so bad, they are now coming out in front of me, broad day light, and not just one at a time. You can even hear them chewing in the walls, scratching and fighting inside the walls. EVEN from the outside.)
And, does anyone know anything about mold related illness? I've been to the doctors for repeated illness the past few months. Mostly recurring sinusitis and ear infections, but also have had respitory congestion, blood in my urine and extreme stomach pain. So far, they can't find what is causing it. Going on antibiotics will help the sinusitis/ear problems to an extent, but only temporarily. A few days after going off the meds, it comes back!
Anyway, any advice? I don't know what to do anymore.