Our insured resides in a condo in a building which recently sustained a fire loss. Many of the ceilings collapsed. It was found that the ceilings had an asbestos-based, sprayed-on finish, and an asbestos abatement company had to be brought in. The building insurer agreed to pay for the environmental cleaning but does not want to pay to remove the plaster and asbestos dust that has settled on the insured's personal property. They say that is the responsibility of the unit owner. We think the dust should be removed before the unit owner's personal property coverage under his HO-6 is triggered to apply to the smoke and water damage.
Your thoughts?
Connecticut Subscriber
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