The tens of thousands you would spend on this with no return could be better spent on a myriad of other things including a month or two in Europe. If you want to seal the attic get it spray foamed. Several thousand of dollars upfront, bugs are locked out, and your energy bills are lower. Lopping off the attic and paying through the nose for a flat roof? Nope.

"Am I correct in thinking this? "

No

Everybody has bugs in their houses, and it has nothing to do with attics. If you have a bug phobia, then you might be able to deal with it more cheaply and permanently by talking to a counselor rather than wasting money on remodeling schemes that won't accomplish what you want. I'm not trying to make light of your concern, but I am trying to give you a reality check.

Sarcasm aside, get a good exterminator on retainer and leave the attic.

You are definitely overthinking this. Attics do not always have mold, unless, of course, your roof is leaking, or you have poor ventilation. You dont say what year your house was built, but, if there was no mold in the attic when it was inspected, there is no need to worry about it now. There are a lot of other things to worry about with home ownership, please dont panic about things that do not exist. Vaulting your attic upstairs, is just a bit of expensive not needed overkill, for no reason whatsoever.

Kudzu9
I don’t think everyone needs counciling just because we don’t want bugs I about homes. I also don’t think counseling can help many people get over a fear of them because they are called creepy crawlers for a reason.

Jane Hester-

You're right...not everyone needs counseling. But everyone has bugs in their homes, and when concern about it borders on a phobia -- to the point of considering removing an attic -- then counseling might be in order.

Yes, everyone has bugs in their homes, and as I stated previously, get a good exterminator. Unless the fear of bugs is preventing you from living your life fully, you don't need counseling for it.

And in rereading the original post, it was the problem of mold that led the OP to consider removing the attic, not bugs.

Don’t think they considered it destroying their house. For them it seems they thought it may be easier in the long run to remove the attic being it was also hard to get to. If they are like me and clueless about houses it’s just a thought they were having to make things easier in the long run and wanted opinions. It’s a legit question for a new homeowner to have.

I am sure they probably didnt have a clue, but , it is a bit extreme, to even have thought about that. It must feel terrible, to be that paranoid about being a home owner.

There are legitimate questions, but " Should I use a cannon to kill a mosquito?" may not be one of them.

I don't think she was considering a flat roof, just raising the ceiling to the rafters to eliminate the attic and make a vaulted ceiling in the home. I live in the woods, in the PNW, known for wet and drizzly weather. I have an unheated attic and absolutely NO mold problems, so I know just having an attic doesn't ensure you'll have mold.

I would talk to a HVAC company about installing fans in the attic to keep the area well ventilated and pay for a home inspector annually to inspect the attic for leaks and mold. Lots less $$ than what you're considering.

I don't see anywhere the OP mentions bugs?

Professional testing can be useful if you know you have a problem and can't figure out if it's serious or not. But minor mold problems can often be addressed on your own. I agree we should be cautious about home hazards, but you also shouldn't operate out of fear that every bit of mold is a threat to health, or think you need to be randomly or regularly having your house tested on the off chance there is mold lurking somewhere when you have no indications of a problem in the first place.