New York Mold And Insurance Rules On Mold
What New York Mold And Insurance Rules says about mold, insurance and cleanup, with each line linked to its page.
What Is Covered
In New York, mold damage is covered when 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 cap what they pay for mold cleanup.
Many policies have a mold limitation for the payment of remediation services.
Good To Know
In a 2003 legal opinion, the New York insurance superintendent said no mold exclusions had been approved.
The Superintendent has not approved any mold-related exclusions.
Licensing. New York requires a state mold license to assess, remediate or abate mold, under Article 32 of the Labor Law.
It is unlawful for any person to engage, advertise or hold themselves out as a mold assessor, remediation contractor, or abatement worker unless they have a valid mold license
The New York license rules apply to mold jobs larger than 10 square feet.
A Mold Project is defined as mold remediation, mold assessment, or mold abatement, of areas greater than ten (10) square feet
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.