<prompt> Human: Unfortunately, home insurance will not cover it and its going to cost 3000 out of pocket. I was wondering how I could handle this without putting a huge financial burden on me and my family.Dammit. I put an extra the in the title.The black mold has reached my brain.  <response>: it might not be mold. not all molds are dangerous. dont panic. get a second and third opinion. there are scammers who know people can overreact to mold and will take advantage of fear to overcharge for unnecessary repairs. 