New York Department of Financial Services On Mold
What New York Department of Financial Services says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
New York says mold damage is covered if it comes from a covered event.
Mold damage is covered if it is due to a covered event.
Dollar Caps On Mold
Many New York policies limit how much they pay for mold remediation.
Many policies have a mold limitation for the payment of remediation services.
Good To Know
A 2003 New York legal opinion said the state had not approved any mold exclusions at that time.
The Superintendent has not approved any mold-related exclusions.
Who May Do Mold Work In New York
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.