Mold Removal Cost And Risk In Santa Cruz County, CA
A typical professional mold job in Santa Cruz County runs about $1,650 to $6,600 before rebuild, using the Santa Cruz-Watsonville, CA price level. Below are the 17 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and California rules.
1973Median year homes were built
64%Homes built before 1980
40%Homes rented, not owned
$1,015,200Median home value
106,635Housing units
266,021People
Half the homes in Santa Cruz County were built before 1973, and 64 percent went up before 1980. Older plumbing, roofs and window seals are where slow leaks start, and slow leaks are the mold most home policies leave out. About 40 percent of homes in Santa Cruz County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 95041 has the oldest homes here, a median year of 1957, and ZIP 95066 the newest, 1982.
Typical Prices In Santa Cruz County
| Job | Size | National Range | Santa Cruz County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,650 to $6,600 |
| Mold Remediation | an attic | $2,000 to $7,500 | $2,200 to $8,250 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $200 to $650 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $350 to $1,100 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $350 to $900 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $6,600, that cap falls short by about $1,600 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Santa Cruz County high for inland flooding. Water from these events is where mold claims start, and flood water is a separate policy. FloodSmart says mold damage is not covered under standard NFIP flood policies. FloodSmart
| Hazard | FEMA Risk Rating |
|---|---|
| Inland flooding | Relatively High |
| Coastal flooding | Relatively Low |
| Hurricane | Not Applicable |
| Cold wave | No Rating |
| Winter weather | Relatively Low |
ZIP Code Neighborhoods In Santa Cruz County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 95003 | Day Valley | 1976 | 61% | $1,154,000 |
| 95005 | Ben Lomond | 1964 | 84% | $959,100 |
| 95006 | Santa Cruz County | 1963 | 74% | $779,300 |
| 95007 | Brookdale | 1960 | 78% | $789,500 |
| 95010 | Capitola | 1974 | 64% | $781,900 |
| 95017 | Santa Cruz County | 1959 | 75% | $993,100 |
| 95018 | Felton | 1959 | 81% | $778,100 |
| 95019 | Watsonville | 1977 | 56% | $678,200 |
| 95033 | Santa Cruz County | 1974 | 65% | $1,284,500 |
| 95041 | Mount Hermon | 1957 | 90% | $1,060,200 |
| 95060 | Santa Cruz County | 1970 | 66% | $1,189,300 |
| 95062 | Santa Cruz | 1971 | 66% | $1,064,600 |
| 95064 | Santa Cruz | 1981 | 47% | $437,500 |
| 95065 | Santa Cruz County | 1977 | 57% | $1,192,200 |
| 95066 | Santa Cruz County | 1982 | 46% | $1,113,000 |
| 95073 | Santa Cruz County | 1975 | 64% | $1,012,000 |
| 95076 | Santa Cruz County | 1975 | 61% | $767,200 |
Cities And Towns
California Rules On Mold
California Mold And Insurance Rules
- Mold from a covered peril may be covered by your home policy. CDI Residential Property Claims Guide
- Mold is one of the perils home policies usually leave out. CDI Residential Insurance Guide
- Report water damage to your agent or insurer right away. CDI Residential Property Claims Guide
- If you think mold grew after a leak, call your claims adjuster right away. CDI Residential Property Claims Guide
All California Mold And Insurance Rules lines
California Department of Insurance
- California says mold damage caused by a covered peril may be covered by your home policy. Residential Property Claims Guide
- Report any water damage claim to your agent or insurer right away. Residential Property Claims Guide
- Drying wet areas and running a dehumidifier lowers the chance that mold follows water damage. Residential Property Claims Guide
- Mold is one of the perils usually excluded from California home policies. Residential Insurance Homeowners and Renters