Insurance Coverage for Meth Contamination in Montana

Methamphetamine (or meth) is a highly addictive drug, the qualities of which make it extremely destructive to make. Because of this, cleaning up after meth use or a meth lab is not only dangerous, it’s also costly and time-consuming. If you are a property-owner or landlord now forced to clean up after someone else’s meth contamination, you will want to make sure your insurance provider has you covered.

Put yourself in the best position to negotiate, with our Montana insurance claim lawyers at Hoyt & Blewett PLLC. Even after paying premiums to the insurance company for years, you cannot always count on insurance companies to do the right thing and cover the insurance claim. Our dedicated team of attorneys will work tirelessly to analyze your policy and secure compensation if your insurer wrongfully denies coverage. Don’t let your insurance company invoke ambiguous exclusions to deny your claim and prevent you from restoring your property to the way it should be. Hire Hoyt & Blewett PLLC, and clean up meth contamination completely.

Meth Contamination Cleanup: What to Know

Meth is a powerful stimulant, ingested through smoking, snorting, or intravenous injection. Extremely addictive and incredibly dangerous, this drug attacks the central nervous system, causing a person to become wired, nervous, and to neglect things in order to feed a high that can end up taking over their whole life.

Although you may have seen meth labs in popular culture, such as the acclaimed TV show Breaking Bad, it is still difficult to convey how serious and violative cleaning up a meth lab is. Meth is created, or “cooked,” using a mix of deadly chemicals, the residue of which can cause serious health problems for people who are even unknowingly exposed. Even if a tenant does not operate a meth lab, but only uses meth in your property, this creates a high risk of toxic property damage that is critical to clean up. This is why it is so important to hold your insurance company responsible in its duty to cover first-party property damage, otherwise you likely be required to pay for the lingering hazards left behind by meth use or meth labs.

Potential effects of meth exposure include:

  • Kidney and lung disorders;
  • Liver damage;
  • Breathing problems;
  • Burning, itchy, or dry skin;
  • Eye infections;
  • Bran damage; and even
  • Death.

How to Establish Coverage

It is important to carefully analyze each insurance policy to ensure that it provides coverage for meth cleanup. Insurance companies could easily exclude coverage for damage caused by illegal drug use by any person, but most policies do not contain this type of language. First party property insurance policies usually fall into two categories – all risk policies, which cover everything that is not excluded, and named perils policies which specifically define what is covered under the policy. While all risk policies generally provide broader coverage than named peril policies, in many situations coverage for meth cleanup can be established under either policy, even if meth clean up or meth labs are not specifically identified as being covered under the policy.

Covered perils that can be the result of a meth lab include:

  • Vandalism: Vandalism and criminal mischief is often covered under named peril policies. Destruction caused by meth use and meth labs can be characterized as vandalism under some policies to establish coverage.
  • Smoke Damage: Smoke damage is covered under many named peril policies. Given that smoke is a byproduct of meth use and meth labs, your property will likely require smoke damage cleanup, which is often covered by insurance.
  • Exclusions: Some insurers may try to exclude smoke damage and vandalism coverage under a “pollution exclusion,” however some claimants have been successful in arguing this exclusion as applied to meth use and meth labs creates an ambiguity that will be construed in favor of coverage.

Receive the Compensation You Are Entitled to, with Hoyt & Blewett PLLC

As a nationally recognized firm that works to make sure clients obtain insurance coverage all across Montana, Hoyt & Blewett PLLC is proud to fight back against insurance companies who deny claims for meth clean up. For over 30 years, we have a long history of obtaining favorable verdicts and settlements for clients, recovering tens of millions of dollars in a wide array of cases. We protect the rights of the insured and take on insurance companies because we believe that when insurance consumers purchase insurance policies it is important that insurance companies honor the promises they make. And because we operate on a contingency fee basis, you won’t pay anything unless compensation is obtained. Call Hoyt & Blewett PLLC today and hire legal counsel that will fight for justice.

To schedule a consultation, call (406) 233-1302, or you can contact us online right here.