Mold Removal Cost And Risk In Ocean County, NJ
A typical professional mold job in Ocean County runs about $1,700 to $6,750 before rebuild, using the New York-Newark-Jersey City, NY-NJ price level. Below are the 29 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New Jersey rules.
1981Median year homes were built
49%Homes built before 1980
20%Homes rented, not owned
$366,600Median home value
295,201Housing units
646,434People
Half the homes in Ocean County were built before 1981, and 49 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 20 percent of homes in Ocean County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 08732 has the oldest homes here, a median year of 1951, and ZIP 08005 the newest, 1994.
Typical Prices In Ocean County
| Job | Size | National Range | Ocean County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,700 to $6,750 |
| Mold Remediation | an attic | $2,000 to $7,500 | $2,250 to $8,450 |
| Mold Inspection and Testing | a visual inspection | $200 to $600 | $250 to $700 |
| Mold Inspection and Testing | an inspection with samples | $300 to $1,000 | $350 to $1,150 |
| 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 $6,750, that cap falls short by about $1,750 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates Ocean County high for inland flooding, coastal flooding, hurricane, 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 High |
| Coastal flooding | Very High |
| Hurricane | Relatively High |
| Cold wave | Relatively High |
| Winter weather | Very High |
ZIP Code Neighborhoods In Ocean County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 08005 | Ocean County | 1994 | 34% | $356,200 |
| 08006 | Barnegat Light | 1978 | 53% | $1,105,600 |
| 08008 | Ocean County | 1976 | 54% | $1,083,100 |
| 08050 | Ocean County | 1991 | 35% | $377,100 |
| 08087 | Ocean County | 1986 | 39% | $323,500 |
| 08092 | Ocean County | 1987 | 43% | $473,600 |
| 08527 | Ocean County | 1990 | 33% | $460,600 |
| 08533 | Ocean County | 1987 | 37% | $471,500 |
| 08701 | Ocean County | 1993 | 36% | $430,700 |
| 08721 | Ocean County | 1982 | 47% | $353,900 |
| 08722 | Beachwood | 1976 | 61% | $307,500 |
| 08723 | Ocean County | 1976 | 59% | $374,400 |
| 08724 | Ocean County | 1976 | 60% | $364,700 |
| 08731 | Ocean County | 1980 | 50% | $360,000 |
| 08732 | Island Heights | 1951 | 72% | $496,800 |
| 08733 | Ocean County | 1965 | 78% | $225,800 |
| 08734 | Ocean County | 1984 | 40% | $387,300 |
| 08735 | Dover Beaches North | 1969 | 57% | $865,200 |
| 08738 | Ocean County | 1978 | 53% | $1,418,600 |
| 08740 | Ocean Gate | 1956 | 79% | $342,100 |
| 08741 | Pine Beach | 1961 | 71% | $449,900 |
| 08742 | Point Pleasant | 1966 | 68% | $576,300 |
| 08751 | Dover Beaches South | 1968 | 60% | $583,000 |
| 08752 | Ocean County | 1959 | 72% | $779,000 |
| 08753 | Toms River | 1974 | 62% | $377,200 |
| 08755 | Toms River | 1990 | 36% | $379,600 |
| 08757 | Holiday City-Berkeley | 1979 | 52% | $253,200 |
| 08758 | Ocean County | 1991 | 40% | $455,900 |
| 08759 | Ocean County | 1979 | 52% | $176,600 |
Cities And Towns
New Jersey Rules On Mold
New Jersey Mold And Insurance Rules
- New Jersey asks insurers to offer mold coverage of $10,000, with higher limits of $25,000 and $50,000 available. NJ DOBI Bulletin 02-14
- Mold liability coverage in New Jersey should apply up to at least $50,000. NJ DOBI Bulletin 02-14
- Licensing. New Jersey has no rules for mold inspections, and mold inspectors do not need a license or certification. After a flood, cleaning and mold removal, NJ Department of Health
- New Jersey's health guide says a homeowner can often clean mold areas under 10 square feet. Mold Guidelines for New Jersey Residents
All New Jersey Mold And Insurance Rules lines
New Jersey Department of Banking and Insurance
- New Jersey Bulletin 02-14 says mold property coverage should be offered at 10,000 dollars a year, with 25,000 and 50,000 dollar options. Bulletin No. 02-14 Mold/Fungus Exclusion Guidelines
- The same bulletin says mold liability coverage should apply up to at least 50,000 dollars, with up to 100,000 dollars on request. Bulletin No. 02-14 Mold/Fungus Exclusion Guidelines