Habitability Exclusions: What They Mean and How to Respond

Habitability exclusions are appearing on general liability policies across the country. Carriers use them to limit coverage for issues tied to basic living standards, from mold and pest infestation to water intrusion and failing heating systems. The language can reach further than many owners expect.

Clear steps are within your reach. HUB’s real estate specialists explain what the exclusion means and how inspection records, maintenance logs and timely written responses to tenant repair requests help you make the case to underwriters for removing or narrowing it.