A few points, certified mold inspectors do exist in Florida.
Mold can cause major problems for some people's health, others seem unaffected. My sisters house, which has a finished basement looks nice and clean, but the mold which is hidden, limits her kids from hanging out in the basement, and my mom gets sick when she stays in the bedroom down there.
Some builders spray down the wood with chemicals like Jomax, just before installing the windows and doors, to help kill any mold growing on the wood. It doesn't contain a die to show that it has been applied.
As stated, mold is everywhere, and that is why the accurate tests require a base be established from the mold in the air outside the home. You will likely find mold in the cabinet under the sink, in the corners of your shower, and in the HVAC vent. When the level gets high enough above the basis, it becomes a concern, but can be remediated, potentially with much labor and costs, if you have to start ripping out sheetrock.
I know there are certified inspectors, I am speaking of people who essentially buy equipment to put on a show meant to frighten vulnerable consumers.
No doubt mold effects well being. When I first went back to NOLA after the storm my eyes watered and I experienced an annoying irritation of my upper airway. I am not an allergy prone person, nor do I have a reactive airway disease, so I imagine it was horrific for those who do have a tendency toward hypersensitivity. By the way, the closest experience I have had to that first day back was last weekend when I went to the Goodwill on 98...searching through the clothes really irritated my eyes and nose