Will Homeowners Insurance Cover Asbestos Removal?

1. 

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   When there is an occurrence that isn’t expected or intended by the owner to the property there is coverage. This coverage means physical injury to tangible property and this includes the loss of use. Removal of asbestos would probably not meet this definition of coverage. Check with your insurance agent.

   Answered on October 17, 2014

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2. 

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   Karl Renwanz

   Renwanz Insurance & Financial Solutions, Carlsbad, CA

   Check your homeowners insurance policy to see what is in the coverage exclusion clause. The wording in a policy exclusion clause may not specifically say "asbestos". Often, broader terminology is used such as "contaminant" or "pollutant". In some cases, these terms may be better defined elsewhere in the contract. There is a customer service phone number listed on your policy that should get you a quick answer.

   Answered on October 20, 2014

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3. 

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   Greg Roover

   Public Adjuster - Loss Appraiser, Claim Concepts, Florida

   In most instances the policy will not cover to remove asbestos just because you have asbestos present in your home. We would need more information to answer the question with certainty. If the removal of asbestos is required due to an insurable loss taking place it will most likely be covered as an ensuing loss.

   Answered on May 8, 2015

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