I only insure for catastrophes like cancer not colds and flu meaning I keep a $5000 deductible.

This way you are not fumbling thru paperwork trying to find that one piece of paper while irritating the judge.

Irritating, frustrating, tiring work.  

I know it's irritating, but this is the kind of thing you really need to expect.  

-desperate irritated homeowner

They can get irritated all they want, but that wasn't ever going to stop me from getting what I needed to get.  

My attitude was really aimed at the types of landlords that irritate me. 

I have buildings where I have used the loan and some in towns with municipal utility companies that don't apply, but with all the rebates involved I was able to replace 3 fwh oil boilers with new he gas for less than or right at the cost of the oil to gas conversion units because there was no chimney/flu work required.

See https://www.epa.gov/moldBut since the tenants already informed you that they are asthmatic and considering that mold can cause irritation to the respiratory system, I would move them out immediately to be on the safer side.

Irritating.