I have not received very good answers today. The insurance agent said he talked to the insurance company's underwriter and yes, we do have $15,000 in fungus coverage, BUT, if they send an adjusterr out who determines that it was caused by builder neglect in keeping the crawlspace adequately ventilated during construction, they will deny the claim. Well, that is exactly why there is mold there, so it's more than likely going to get denied. Not to mention, if by chance we did get it approved, he also said then our insurance rates for homeowner's insurance are going to increase at least 20% going forward.
We do not know what to do. DH did end up having a long phone conversation with the builder about it. He explained what he means by "first we need to get it dried out down there". He does not mean the air/ground - he means the actual wood (floor joists and sheeting) itself and there is lots of moisture in all that wood. That has to get all dried in order for the mold to stop growing. Ok, that does make sense. But, as Dh told him, the small dehumidifier he put down there last week was only getting out about 1/2 a gallon of water a day. The insulation company owner said it is way too small. He was generous enough to bring his very big commercial dehumidifier with him today and set it up down there. He said it should draw out 5 to 10 gallons of water per day. He said he has this machine, for just that purpose, because when he builds houses he has to keep it all dry, so it doesn't develop a mold problem!
Then it appears our contractor will again have it all cleaned down there to remove the mold. We'll see, I guess. But, DH told him this all needs to be addressed now, not keep getting ignored day after day. At least the builder was very calm and not his usual defensive mode, where nothing is his fault. He seems to feel that once the wood is dried out (ie get the moisture out of there and heat it up) then he can get the rest of the mold removed.
I have a call into our banker lady, just to make sure she is aware of what is all going on and see what the bank thinks about it. Like my boss said, the bank should want to do something to facilitate it getting fixed, they have a vested interest in this property. Maybe she has some input for us, but I'm not holding my breath.