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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
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