Mold Removal Cost And Risk In Somerset County, NJ
A typical professional mold job in Somerset County runs about $1,700 to $6,750 before rebuild, using the New York-Newark-Jersey City, NY-NJ price level. Below are the 27 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New Jersey rules.
1982Median year homes were built
47%Homes built before 1980
26%Homes rented, not owned
$523,900Median home value
132,831Housing units
346,203People
Half the homes in Somerset County were built before 1982, and 47 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 Somerset County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 08528 has the oldest homes here, a median year of 1943, and ZIP 08558 the newest, 1995.
Typical Prices In Somerset County
| Job | Size | National Range | Somerset 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 Somerset County high for inland flooding, 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 Low |
| Hurricane | Relatively Moderate |
| Cold wave | Relatively Moderate |
| Winter weather | Relatively High |
ZIP Code Neighborhoods In Somerset County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 07059 | Somerset County | 1985 | 41% | $899,200 |
| 07069 | Watchung | 1971 | 61% | $838,000 |
| 07920 | Somerset County | 1987 | 30% | $769,300 |
| 07921 | Somerset County | 1986 | 16% | $431,000 |
| 07924 | Bernardsville | 1964 | 67% | $733,800 |
| 07931 | Somerset County | 1984 | 46% | $1,084,200 |
| 07934 | Peapack and Gladstone | 1967 | 71% | $816,400 |
| 07939 | Lyons | Not published | 0% | Not published |
| 07977 | Peapack and Gladstone | 1959 | 56% | $798,600 |
| 08502 | Somerset County | 1993 | 25% | $766,000 |
| 08528 | Kingston | 1943 | 100% | $234,600 |
| 08553 | Rocky Hill | 1955 | 92% | $608,200 |
| 08558 | Somerset County | 1995 | 27% | $853,300 |
| 08805 | Bound Brook | 1957 | 75% | $393,900 |
| 08807 | Martinsville | 1982 | 46% | $562,400 |
| 08812 | Somerset County | 1965 | 69% | $435,300 |
| 08821 | Flagtown | 1951 | 80% | $446,700 |
| 08823 | Pleasant Plains | 1992 | 11% | $279,400 |
| 08835 | Manville | 1955 | 87% | $321,100 |
| 08836 | Martinsville | 1971 | 58% | $786,500 |
| 08844 | Somerset County | 1985 | 34% | $537,300 |
| 08853 | Neshanic Station | 1987 | 27% | $638,700 |
| 08869 | Raritan | 1965 | 60% | $449,200 |
| 08873 | Six Mile Run | 1985 | 39% | $438,600 |
| 08876 | Somerset County | 1968 | 65% | $468,400 |
| 08880 | South Bound Brook | 1966 | 74% | $345,300 |
| 08890 | Zarephath | Not published | 100% | Not published |
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