Does homeowners’ insurance cover indoor air quality in a private residence?
The air inside a building is rarely insured. Poor indoor air quality, however, is usually the result of a structural or mechanical failure in the building. It is important to understand why the air inside a structure is contaminated and what the source of the contamination is. Often the source of the contamination is covered by insurance. But until all the facts are known (e.g. Is there a contaminant? What is it? Where is it coming from?), a clear determination of insurance coverage cannot be made.
