Mold Removal Cost And Risk In Herkimer County, NY
A typical professional mold job in Herkimer County runs about $1,400 to $5,550 before rebuild, using the Utica-Rome, NY price level. Below are the 17 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New York rules.
1956Median year homes were built
73%Homes built before 1980
24%Homes rented, not owned
$135,000Median home value
32,449Housing units
59,932People
Half the homes in Herkimer County were built before 1956, 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 24 percent of homes in Herkimer County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 13365 has the oldest homes here, a median year of 1938, and ZIP 13472 the newest, 1980.
Typical Prices In Herkimer County
| Job | Size | National Range | Herkimer County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,400 to $5,550 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,850 to $6,950 |
| 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 $5,550, that cap falls short by about $550 at the top of that range. Read the form
Water Hazards FEMA Rates Here
FEMA rates none of the water hazards below as high for Herkimer County.
| Hazard | FEMA Risk Rating |
|---|---|
| Inland flooding | Relatively Moderate |
| Coastal flooding | Not Applicable |
| Hurricane | Relatively Low |
| Cold wave | Relatively Low |
| Winter weather | Relatively Moderate |
ZIP Code Neighborhoods In Herkimer County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 13322 | Herkimer County | 1945 | 63% | $203,600 |
| 13324 | Herkimer County | 1974 | 57% | $144,800 |
| 13331 | Herkimer County | 1957 | 72% | $290,000 |
| 13338 | Herkimer County | 1966 | 68% | $156,900 |
| 13340 | Herkimer County | 1962 | 67% | $143,900 |
| 13350 | Herkimer County | 1947 | 86% | $136,400 |
| 13357 | Herkimer County | 1948 | 84% | $105,200 |
| 13361 | Herkimer County | 1951 | 64% | $178,400 |
| 13365 | Herkimer County | 1938 | 79% | $121,000 |
| 13406 | Herkimer County | 1938 | 81% | $139,100 |
| 13407 | Herkimer County | 1952 | 77% | $134,200 |
| 13416 | Herkimer County | 1972 | 59% | $160,000 |
| 13420 | Herkimer County | 1969 | 58% | $348,900 |
| 13431 | Herkimer County | 1963 | 68% | $207,700 |
| 13454 | Herkimer County | 1938 | 75% | Not published |
| 13472 | Herkimer County | 1980 | 49% | $369,100 |
| 13475 | Herkimer County | 1938 | 93% | $145,800 |
New York Rules On Mold
Who May Do Mold Work
New York licenses mold assessors, mold remediation contractors and mold abatement workers under Article 32 of the state Labor Law. The rules apply to mold jobs larger than 10 square feet. Some owners who do the work on their own homes are exempt.
The same person may not do both the assessment and the remediation on the same property. The assessor writes the plan, a separate licensed contractor does the work, and the assessor checks the result. You can check a license with the Department of Labor’s search for licensed mold contractors.
New York Mold And Insurance Rules
- In New York, mold damage is covered when it comes from a covered event. Homeowner and property FAQs, NY DFS
- Many New York policies cap what they pay for mold cleanup. Homeowner and property FAQs, NY DFS
- In a 2003 legal opinion, the New York insurance superintendent said no mold exclusions had been approved. NY DFS Office of General Counsel opinion
- Licensing. New York requires a state mold license to assess, remediate or abate mold, under Article 32 of the Labor Law. Mold Program, NY Department of Labor
- The New York license rules apply to mold jobs larger than 10 square feet. Mold FAQs, NY Department of Labor
All New York Mold And Insurance Rules lines
New York Department of Financial Services
- New York says mold damage is covered if it comes from a covered event. Customer Homeowners FAQ
- Many New York policies limit how much they pay for mold remediation. Customer Homeowners FAQ
- A 2003 New York legal opinion said the state had not approved any mold exclusions at that time. OGC Opinion No. 03-04-04