Sometimes, and only where it was genuinely unknown. Pre-existing conditions coverage exists on site pollution forms, but it turns on the retroactive date and on what the application disclosed. Anything identified in a Phase I or Phase II assessment, or already known to the buyer, is carved out. That is why the assessment and the placement are sequenced together on a purchase or a refinance. Buying the policy after a condition surfaces almost never works, because the thing you now want covered is the thing you now know about.
Related FAQs
Often yes, because conditions like mold or legacy contamination can surface unexpectedly on owned property.
It depends on the form. Some respond to sudden events only, others may include gradual conditions. We can review the wording with you.
Usually not. Standard GL forms largely exclude pollution, which is why a separate policy typically applies.
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