Mold Removal Cost And Risk In Morgan County, IL
A typical professional mold job in Morgan County runs about $1,300 to $5,250 before rebuild, using the Illinois nonmetro price level. Below are the 9 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Illinois rules.
1966Median year homes were built
73%Homes built before 1980
28%Homes rented, not owned
$128,700Median home value
15,033Housing units
32,621People
Half the homes in Morgan County were built before 1966, and 73 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 28 percent of homes in Morgan County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 62692 has the oldest homes here, a median year of 1952, and ZIP 62695 the newest, 1975.
Typical Prices In Morgan County
| Job | Size | National Range | Morgan County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,300 to $5,250 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,750 to $6,550 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $150 to $500 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $250 to $850 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $250 to $700 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,250, that cap falls short by about $250 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Morgan County high for cold wave. 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 Low |
| Coastal flooding | Not Applicable |
| Hurricane | Very Low |
| Cold wave | Relatively High |
| Winter weather | Relatively Low |
ZIP Code Neighborhoods In Morgan County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 62601 | Morgan County | 1970 | 79% | $121,700 |
| 62628 | Morgan County | 1956 | 78% | $108,300 |
| 62631 | Morgan County | 1964 | 85% | $119,700 |
| 62638 | Morgan County | 1965 | 70% | $122,000 |
| 62650 | Morgan County | 1965 | 74% | $142,600 |
| 62665 | Morgan County | 1969 | 74% | $59,200 |
| 62668 | Morgan County | 1974 | 57% | $123,200 |
| 62692 | Morgan County | 1952 | 72% | $115,200 |
| 62695 | Morgan County | 1975 | 71% | $118,000 |
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