Colorado · Home · Asbestos
Testing and removal are not a claim. Tear-out after a covered loss might be.
A Colorado homeowners policy pays sudden covered perils. It does not pay to test a house for asbestos or to abate it because the material is old. Pollution and contamination are commonly excluded. This is not medical or legal advice. Health questions belong with the state health department and your doctor, not with the deductible.
The covered repair is the door, not the asbestos by itself. If a fire or a wind-damaged roof means the contractor has to disturb material that contains asbestos, the extra cost of that tear-out can be part of repairing the covered damage. Ordinance or law coverage, if you bought it, is the section that pays to bring a repair up to current code, up to its own limit. Debris removal has its own sublimit. Neither one appears because you scheduled a voluntary abatement with no covered loss. A liability claim from someone else is Coverage E only if the pollution exclusion does not bar it. Read that exclusion. Do not assume the limit applies.
The policy: Colorado homeowners. The dwelling limit the repair comes out of: dwelling coverage. Liability, separate: personal liability. What a standard form is built to do: standard homeowners coverage. Asbestos as a health and building topic, not a policy: EPA and Colorado Department of Public Health and Environment.
Ask whether ordinance or law is on the policy before you assume a covered repair includes asbestos tear-out. Get a quote or ask an agent.
