Mold Removal Cost And Risk In Madison County, KY
A typical professional mold job in Madison County runs about $1,300 to $5,100 before rebuild, using the Kentucky nonmetro price level. Below are the 3 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and Kentucky rules.
1993Median year homes were built
30%Homes built before 1980
38%Homes rented, not owned
$220,700Median home value
39,920Housing units
94,064People
Half the homes in Madison County were built before 1993, and 30 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 38 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 40385 has the oldest homes here, a median year of 1991, and ZIP 40475 the newest, 1994.
Typical Prices In Madison County
| Job | Size | National Range | Madison County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,300 to $5,100 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,700 to $6,400 |
| 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 $5,100, that cap falls short by about $100 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Madison County high for 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 Moderate |
| Winter weather | Relatively High |
ZIP Code Neighborhoods In Madison County
Kentucky Rules On Mold
Kentucky Mold And Insurance Rules
- Mold is a typical exclusion in a basic home policy. KDOI Consumer Guide For Young Adults
- Some insurers cap mold from a covered loss at an amount such as $5,000. KDOI Auto And Home Rates Guide
- The state cannot force mold coverage, but insurers must clearly tell you about mold exclusions or limits. KDOI Auto And Home Rates Guide