Insured sustained damage in Hurricane Ida. During the mitigation efforts, they discovered asbestos underneath the flooring. Wouldn't' this be considered a pollutant under the policy and coverage afforded based on policy wording under the commercial policy.
Under the Commercial, CP 00 10 10 00 ISO policy, it states:
Pollutant Clean-up and Removal
We will pay your expense to extract "pollutants" from land or water at the described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs.
This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water.
The most we will pay under this Additional Coverage for each described premises is $10,000 for the sum of all covered expenses arising out of Covered Causes of Loss occurring during each separate 12-month period of this policy.
Louisiana Subscriber
You are correct that the testing and abatement of the asbestos would be covered at the limited amount provided under this provision. The original cause of loss is the hurricane damage, and the asbestos is part of that loss, yet subject to the pollutant limitation.