Lead disclosure vs umbrella insurance

[Account Closed]

Hello,

my rental property was built in 1960.

I got the standard lead disclosure form that says seller has 'no knowledge' of lead based hazards in the property. 

I tried getting umbrella insurance from Geico.

Geico is saying that the seller lead disclosure form is not enough. 

They need an actual lead free certificate from a certified lead inspector.  

Since, properties before 1978 are almost certain to have lead based paint, is this geico's way of saying we won't give umbrella insurance to properties older than 1978( unless lead is completely removed)

interestingly,  the primary homeowners insurance policy on this property didnt have any lead based issues, but the umbrella insurance company does!

has this been your experience also? 

Is this what other umbrella insurance companies ask for as well?

[Ryan Kelly]

@Ani Kap Simple solution. Get another insurer!