Insurance Carriers Misusing Ordinance & Law to Deny Asbestos Coverage That Belongs Under Coverage A

I’m sharing this because it highlights a growing problem in the industry — one that puts homeowners at risk.

This denial email shows how a carrier tried to use Ordinance & Law to deny asbestos abatement after a simple plumbing loss. That’s a covered peril.

Here’s the issue:

Ordinance & Law is meant for code upgrades, not for the safe removal of damaged materials.

Unless asbestos is explicitly excluded by name in the policy, abatement tied to a covered peril belongs under Coverage A.

By pushing it into Ordinance & Law, carriers shift costs off the main policy — leaving families unable to afford proper abatement. Many end up trying to handle asbestos themselves, risking long-term health consequences.

This isn’t just an error. It’s a tactic. And if it continues, it opens the door to major lawsuits across multiple states.

Homeowners, attorneys, regulators, and even those in the industry deserve to see this. Transparency matters — and so does accountability.

👉 More education and tools are available at ClaimHelpMe.com