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When I used the word "concern" I was not really meaning your concern about her finding somewhere else, but more from the point of view that her problem finding something else makes it harder to get her out. That is why the "get out before the mould hurts your family" and/or "the kitchen must...

I think claiming the whole "fix" on insurance sounds good assuming this is covered. Either way, can you not get her out on the "not habitable" or "emergency repair" or "unfit for habitation" rules? I am not sure about these having never used them but they have been mentioned on SS so that might...