Mold Removal Cost And Risk In Otsego County, NY
A typical professional mold job in Otsego County runs about $1,350 to $5,500 before rebuild, using the New York nonmetro price level. Below are the 34 ZIP code neighborhoods, the age of the homes, FEMA's water hazard ratings and New York rules.
1954Median year homes were built
70%Homes built before 1980
26%Homes rented, not owned
$175,900Median home value
30,011Housing units
59,738People
Half the homes in Otsego County were built before 1954, and 70 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 Otsego County are rented, so most households here carry an owner's policy on the building itself.
Housing age swings by neighborhood. ZIP 13337 has the oldest homes here, a median year of 1938, and ZIP 13333 the newest, 1985.
Typical Prices In Otsego County
| Job | Size | National Range | Otsego County Estimate |
|---|---|---|---|
| Mold Remediation | a typical professional job | $1,500 to $6,000 | $1,350 to $5,500 |
| Mold Remediation | an attic | $2,000 to $7,500 | $1,850 to $6,850 |
| 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 | $250 to $900 |
| Mold Inspection and Testing | a clearance test | $300 to $800 | $250 to $750 |
The standard limited fungi endorsement caps mold at $5,000. Against a typical job here of up to $5,500, that cap falls short by about $500 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 Otsego County.
| Hazard | FEMA Risk Rating |
|---|---|
| Inland flooding | Relatively Moderate |
| Coastal flooding | Not Applicable |
| Hurricane | Relatively Low |
| Cold wave | Relatively Moderate |
| Winter weather | Relatively Moderate |
ZIP Code Neighborhoods In Otsego County
| ZIP | Area | Median Year Built | Built Before 1980 | Median Home Value |
|---|---|---|---|---|
| 12064 | Otsego County | 1958 | 63% | $100,000 |
| 12116 | Otsego County | 1972 | 61% | $141,800 |
| 12155 | Otsego County | 1959 | 71% | $147,100 |
| 12197 | Otsego County | 1947 | 71% | $163,300 |
| 13315 | Otsego County | 1976 | 55% | $190,200 |
| 13320 | Otsego County | 1949 | 64% | $191,600 |
| 13326 | Otsego County | 1951 | 71% | $308,600 |
| 13333 | Otsego County | 1985 | 48% | $175,000 |
| 13335 | Otsego County | 1947 | 64% | $121,800 |
| 13337 | Otsego County | 1938 | 66% | $287,500 |
| 13342 | Otsego County | 1972 | 57% | Not published |
| 13348 | Otsego County | 1956 | 69% | $187,500 |
| 13411 | Otsego County | 1953 | 68% | $120,200 |
| 13415 | Otsego County | 1966 | 84% | $157,300 |
| 13439 | Otsego County | 1948 | 66% | $184,300 |
| 13450 | Otsego County | 1974 | 57% | Not published |
| 13457 | Schuyler Lake | 1938 | 96% | $82,000 |
| 13468 | Springfield Center | 1938 | 82% | Not published |
| 13482 | Otsego County | 1956 | 64% | $171,600 |
| 13488 | Otsego County | 1938 | 73% | $90,000 |
| 13491 | Otsego County | 1961 | 62% | $144,300 |
| 13776 | Otsego County | 1938 | 92% | $150,000 |
| 13796 | Otsego County | 1974 | 57% | $144,400 |
| 13807 | Otsego County | 1969 | 55% | $167,600 |
| 13808 | Otsego County | 1962 | 66% | $157,000 |
| 13809 | Otsego County | 1982 | 49% | $178,900 |
| 13810 | Otsego County | 1949 | 60% | $218,900 |
| 13820 | Otsego County | 1948 | 79% | $176,300 |
| 13825 | Otsego County | 1968 | 60% | $183,500 |
| 13834 | Otsego County | 1948 | 86% | Not published |
| 13843 | Otsego County | 1956 | 66% | $165,800 |
| 13849 | Otsego County | 1961 | 63% | $120,800 |
| 13859 | Wells Bridge | 1972 | 72% | Not published |
| 13861 | Otsego County | 1965 | 78% | $183,100 |
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