If my understanding is correct, you can't insure a home that has had mold until you can produce evidence that it was treated by a certified mold remediation expert.
I called 2 insurance companies because I wanted an idea of the costs. Told them mold had appeared on the bottom level game room/garage level. They didn't seem to care. Both companies told me "mold" and mold damage was excluded from coverage anyway. They also told me there was a LOT of mold at this resort area. ummmm...
Trying to see if I can attach picture....of the one we are NOT getting...