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How do I get reimbursed for mold damage when my landlord requires me to pay rent in cash?

Hello, Sorry to hear about your situation. This is a tough call.

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Renters Insurance

Will my HO4 renters policy cover wet fungi protection?

I can't answer this question - you need to look at the exclusions and special coverages in your renters' insurance policy dec page (declaration page). That part of your policy will specify how much coverage you have - if any.

Homeowners Insurance

Can mold be turned in on a homeowners claim in Texas?

There is no right way to answer this question without looking at your homeowner's policy. Most policies will cover the damages but some will not.

Homeowners Insurance

Reoccurring mold and homeowners insurance

Unfortunately, there's no way to answer that without knowledge of the policy itself. Your friend needs to check her home owners policy to see what perils (events) are covered under her policy.
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