Mold Removal Cost And Risk In Madison County, IL
A typical professional mold job in Madison County runs about $1,450 to $5,700 before rebuild, using the St. Louis, MO-IL price level. Below are the 27 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Illinois rules.
1970Median year homes were built
62%Homes built before 1980
26%Homes rented, not owned
$167,900Median home value
118,942Housing units
264,631People
Half the homes in Madison County were built before 1970, and 62 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 26 percent of homes in Madison County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 62084 has the oldest homes here, a median year of 1948, and ZIP 62281 the newest, 2001.
Typical Prices In Madison County
| Job | Size | National Range | Madison County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,450 to $5,700 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,900 to $7,150 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $200 to $550 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $300 to $950 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $300 to $750 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,700, that cap falls short by about $700 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Madison County high for cold wave, winter weather. 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 Moderate |
| Coastal flooding | Not Applicable |
| Hurricane | Very Low |
| Cold wave | Relatively High |
| Winter weather | Relatively High |
ZIP Code Neighborhoods In Madison County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 62001 | Madison County | 1976 | 54% | $208,600 |
| 62002 | Madison County | 1955 | 80% | $114,300 |
| 62010 | Madison County | 1977 | 55% | $170,000 |
| 62018 | Madison County | 1963 | 69% | $78,400 |
| 62021 | Madison County | 1968 | 69% | $277,700 |
| 62024 | East Alton | 1957 | 91% | $112,500 |
| 62025 | Madison County | 1985 | 43% | $295,700 |
| 62034 | Glen Carbon | 1989 | 37% | $274,300 |
| 62035 | Godfrey | 1976 | 56% | $179,900 |
| 62040 | Granite City | 1962 | 78% | $106,600 |
| 62046 | Hamel | 1979 | 52% | $229,600 |
| 62048 | Madison | 1953 | 96% | $65,800 |
| 62058 | Livingston | 1964 | 74% | $101,800 |
| 62060 | Madison | 1957 | 75% | $53,600 |
| 62061 | Madison County | 1975 | 56% | $185,900 |
| 62062 | Maryville | 1996 | 27% | $249,500 |
| 62067 | Madison County | 1972 | 57% | $220,500 |
| 62074 | Madison County | 1985 | 46% | $263,700 |
| 62084 | Roxana | 1948 | 88% | $104,300 |
| 62087 | South Roxana | 1973 | 66% | $87,200 |
| 62090 | Venice | 1956 | 74% | $49,600 |
| 62095 | Wood River | 1955 | 85% | $106,700 |
| 62097 | Madison County | 1972 | 68% | $212,600 |
| 62234 | Madison County | 1969 | 66% | $162,000 |
| 62249 | Madison County | 1982 | 48% | $220,000 |
| 62281 | Madison County | 2001 | 32% | $287,800 |
| 62294 | Madison County | 1991 | 34% | $255,700 |
Cities And Towns
Illinois Rules On Mold
Illinois Mold And Insurance Rules
- Mold from slow leaks, humidity or drainage problems is probably not covered. IDOI Mold Facts
- In Illinois, mold from water used after a covered fire or lightning loss is covered up to the full policy limit. IDOI Mold Facts
- Some insurers cap mold claims at a set amount, such as $5,000. IDOI Mold Facts
- Some insurers exclude mold but sell it back for an extra charge. IDOI Mold Facts
- Licensing is not required for mold remediators in Illinois, and there are no state standards for them. IDOI Mold Facts
All Illinois Mold And Insurance Rules lines
Illinois Department of Insurance
- Whether mold is covered depends on what caused it and on your policy. Mold Facts
- Mold from long term seepage, humidity, condensation or drainage problems would probably not be covered. Mold Facts
- In Illinois mold from water damage after a covered fire or lightning loss is covered up to the full policy limit. Mold Facts
- Some insurers cap mold claims at a set dollar amount such as 5,000 dollars. Mold Facts
- Some insurers exclude all mold but sell a buy back endorsement that adds some mold coverage for extra money. Mold Facts