---
title: Oil Tank Insurance
description: New Jersey assembly proposed a bill that will require all homeowners carriers to offer coverage to remove residential USTs and cover remediation.
---

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# Hot Environmental Topics

## [Oil Tank Insurance](https://www.currenenvironmental.com/blog/oil-tank-insurance)

** Jan 16, 2018 10:46:11 AM / by [David C Sulock](https://www.currenenvironmental.com/blog/author/david-c-sulock)

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A bill has been proposed in the New Jersey assembly that will require all homeowner carriers to offer coverage to remove residential USTs (Underground Storage Tanks) and to cover remediation. **Assembly bill, No. A437** would require the insurer to get written confirmation from the insured that they are declining the coverage.

What this would mean for homeowner's is that coverage could be obtained for tank removals and remediation.

![Heating OIi tank removal - NJ](https://www.currenenvironmental.com/hubfs/Heating%20OIi%20tank%20removal%20-%20NJ.jpg)

The bill as proposed is as follows:

**A437 SCHAER, BRAMNICK 2 **

AN ACT concerning homeowners insurance coverage and 1

supplementing Title 17 of the Revised Statutes. 2

3

BE IT ENACTED by the Senate and General Assembly of the State 4

of New Jersey: 5

6

1. a. Every insurer authorized to transact the business of 7

homeowners insurance in this State shall make available as an 8

option for purchase, in every homeowners insurance policy 9

delivered, issued, executed, or renewed in this State on or after the 10

effective date of this act, coverage for: 11

(1) removal of a leaking heating oil tank from the homeowner’s 12

property; and 13

(2) remediation of damage caused by the discharge of heating 14

oil from the homeowner’s leaking tank or any piping, fuel supply 15

line, equipment or system connected to the tank to: 16

(a) the homeowner’s property, including any impact on soil, 17

indoor air, groundwater or surface water; and 18

(b) a third party’s property, including but not limited to nearby 19

or adjoining property, or groundwater or surface water. 20

b. The commissioner shall establish by regulation the amounts 21

of coverage per occurrence and the amounts of any deductible per 22

claim or policy period for policies offered pursuant to this section. 23

c. If a homeowner declines the option to purchase coverage 24

offered pursuant to subsections a. and b. of this section, the insurer 25

shall obtain a written waiver of the coverage, signed by the 26

homeowner, whose signature shall be notarized by a notary public. 27

d. For purposes of this act, “heating oil tank” means a liquid 28

fuel tank in which heating oil is stored and from which heating oil 29

is delivered or pumped through a fuel supply line to an oil burner, 30

whether the tank is located within a dwelling or other structure, 31

underground, or outdoors. 32

e. This section shall not apply to abandoned, closed, or out of 33

service heating oil tanks. 34

35

2. This act shall take effect on the first day of the sixth month 36

next following the date of enactment. 37

38

39

STATEMENT 40

41

This bill requires homeowners insurance companies to make 42

available as an option for purchase, in every homeowners insurance 43

policy delivered, issued, executed, or renewed in this State on or 44

after the effective date of the bill, coverage for certain leaking 45

heating oil tanks. 46

The bill requires that this coverage be offered for: 47

A437 SCHAER, BRAMNICK 3

 

(1) removal of a leaking heating oil tank from the homeowner’s 1

property; and 2

(2) remediation of damage caused by the discharge of heating 3

oil from the homeowner’s leaking tank or any piping, fuel supply 4

line, equipment or system connected to the tank to: 5

 the homeowner’s property, including any impact on soil, 6

indoor air, groundwater or surface water; and 7

 a third party’s property, including but not limited to nearby 8

or adjoining property, or groundwater or surface water. 9

The bill also provides that the Commissioner of Banking and 10

Insurance establish by regulation the amounts of coverage per 11

occurrence and the amount of deductible per claim or policy period 12

for policies issued under the bill. 13

If a homeowner declines the option to purchase coverage offered 14

pursuant to this bill, the insurer shall obtain a written waiver of the 15

coverage signed by the homeowner whose signature shall be 16

notarized by a notary public. The bill shall not apply to abandoned, 17

closed, or out of service heating oil tanks.

#### Written by [David C Sulock](https://www.currenenvironmental.com/blog/author/david-c-sulock)

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- [mold expert (6)](https://www.currenenvironmental.com/blog/topic/mold-expert)
- [mold professional (6)](https://www.currenenvironmental.com/blog/topic/mold-professional)
- [mosquito control service (6)](https://www.currenenvironmental.com/blog/topic/mosquito-control-service)
- [tank sweeps with GPR (6)](https://www.currenenvironmental.com/blog/topic/tank-sweeps-with-gpr)
- [Lead Hazard (5)](https://www.currenenvironmental.com/blog/topic/lead-hazard)
- [NJ Lead Law (5)](https://www.currenenvironmental.com/blog/topic/nj-lead-law)
- [NJ Lead Safe cert (5)](https://www.currenenvironmental.com/blog/topic/nj-lead-safe-cert)
- [NJ Lead safe (5)](https://www.currenenvironmental.com/blog/topic/nj-lead-safe)
- [NJDEP HOTS (5)](https://www.currenenvironmental.com/blog/topic/njdep-hots)
- [NJDEP oil tank removal grant (5)](https://www.currenenvironmental.com/blog/topic/njdep-oil-tank-removal-grant)
- [Phase II Costs (5)](https://www.currenenvironmental.com/blog/topic/phase-ii-costs)
- [Phase II GPR (5)](https://www.currenenvironmental.com/blog/topic/phase-ii-gpr)
- [Property Transaction Screens (5)](https://www.currenenvironmental.com/blog/topic/property-transaction-screens)
- [lead risk assessment (5)](https://www.currenenvironmental.com/blog/topic/lead-risk-assessment)
- [tank abandoned in place (5)](https://www.currenenvironmental.com/blog/topic/tank-abandoned-in-place)
- [LSRP Program (4)](https://www.currenenvironmental.com/blog/topic/lsrp-program)
- [LSRP in New Jersey (4)](https://www.currenenvironmental.com/blog/topic/lsrp-in-new-jersey)
- [NJDEP Unregulated heating Oil Tank program (4)](https://www.currenenvironmental.com/blog/topic/njdep-unregulated-heating-oil-tank-program)
- [gpr tank swep (4)](https://www.currenenvironmental.com/blog/topic/gpr-tank-swep)
- [lead paint (4)](https://www.currenenvironmental.com/blog/topic/lead-paint)
- [lead paint wipe sample (4)](https://www.currenenvironmental.com/blog/topic/lead-paint-wipe-sample)
- [lead visual inspection (4)](https://www.currenenvironmental.com/blog/topic/lead-visual-inspection)
- [mosquito (4)](https://www.currenenvironmental.com/blog/topic/mosquito)
- [mosquito management service (4)](https://www.currenenvironmental.com/blog/topic/mosquito-management-service)
- [mosquito removal (4)](https://www.currenenvironmental.com/blog/topic/mosquito-removal)
- [oil tank leak (4)](https://www.currenenvironmental.com/blog/topic/oil-tank-leak)
- [tank leaks (4)](https://www.currenenvironmental.com/blog/topic/tank-leaks)
- [tank sweep with gpr (4)](https://www.currenenvironmental.com/blog/topic/tank-sweep-with-gpr)
- [Environmental Site Assessment (3)](https://www.currenenvironmental.com/blog/topic/environmental-site-assessment)
- [Indoor Air Quality (3)](https://www.currenenvironmental.com/blog/topic/indoor-air-quality)
- [LSRP Deadline (3)](https://www.currenenvironmental.com/blog/topic/lsrp-deadline)
- [LSRP costs (3)](https://www.currenenvironmental.com/blog/topic/lsrp-costs)
- [LSRP in NJ (3)](https://www.currenenvironmental.com/blog/topic/lsrp-in-nj)
- [NJ HOTS (3)](https://www.currenenvironmental.com/blog/topic/nj-hots)
- [NJ LSRP Program (3)](https://www.currenenvironmental.com/blog/topic/nj-lsrp-program)
- [NJDEP LSRP (3)](https://www.currenenvironmental.com/blog/topic/njdep-lsrp)
- [New Jersey LSRP (3)](https://www.currenenvironmental.com/blog/topic/new-jersey-lsrp)
- [filled in place tank (3)](https://www.currenenvironmental.com/blog/topic/filled-in-place-tank)
- [foam filling oil tank (3)](https://www.currenenvironmental.com/blog/topic/foam-filling-oil-tank)
- [lead free designation (3)](https://www.currenenvironmental.com/blog/topic/lead-free-designation)
- [mosquito control (3)](https://www.currenenvironmental.com/blog/topic/mosquito-control)
- [oil tank grants (3)](https://www.currenenvironmental.com/blog/topic/oil-tank-grants)
- [pa tank removal (3)](https://www.currenenvironmental.com/blog/topic/pa-tank-removal)
- [tank grants (3)](https://www.currenenvironmental.com/blog/topic/tank-grants)
- [tank removal grants (3)](https://www.currenenvironmental.com/blog/topic/tank-removal-grants)
- [Delaware tank removal (2)](https://www.currenenvironmental.com/blog/topic/delaware-tank-removal)
- [EDA tank grants (2)](https://www.currenenvironmental.com/blog/topic/eda-tank-grants)
- [Finding an LSRP (2)](https://www.currenenvironmental.com/blog/topic/finding-an-lsrp)
- [Home inspection (2)](https://www.currenenvironmental.com/blog/topic/home-inspection)
- [Lead Inspection (2)](https://www.currenenvironmental.com/blog/topic/lead-inspection)
- [Lead paint hazards (2)](https://www.currenenvironmental.com/blog/topic/lead-paint-hazards)
- [NJDEP LSRP Program (2)](https://www.currenenvironmental.com/blog/topic/njdep-lsrp-program)
- [Preliminary Assessment (2)](https://www.currenenvironmental.com/blog/topic/preliminary-assessment)
- [Selling a house, Buying a house, Real Estate (2)](https://www.currenenvironmental.com/blog/topic/selling-a-house-buying-a-house-real-estate)
- [What does a Phase II cost? (2)](https://www.currenenvironmental.com/blog/topic/what-does-a-phase-ii-cost)
- [be greener (2)](https://www.currenenvironmental.com/blog/topic/be-greener)
- [black mold (2)](https://www.currenenvironmental.com/blog/topic/black-mold)
- [environmental inspections (2)](https://www.currenenvironmental.com/blog/topic/environmental-inspections)
- [foam tank filling (2)](https://www.currenenvironmental.com/blog/topic/foam-tank-filling)
- [free oil tank removal (2)](https://www.currenenvironmental.com/blog/topic/free-oil-tank-removal)
- [green practices (2)](https://www.currenenvironmental.com/blog/topic/green-practices)
- [green things we can do everyday (2)](https://www.currenenvironmental.com/blog/topic/green-things-we-can-do-everyday)
- [leaking tanks (2)](https://www.currenenvironmental.com/blog/topic/leaking-tanks)
- [mosquito removal companies (2)](https://www.currenenvironmental.com/blog/topic/mosquito-removal-companies)
- [oil tank leaks (2)](https://www.currenenvironmental.com/blog/topic/oil-tank-leaks)
- [oil tank testing (2)](https://www.currenenvironmental.com/blog/topic/oil-tank-testing)
- [soil sampling removed tanks (2)](https://www.currenenvironmental.com/blog/topic/soil-sampling-removed-tanks)
- [soil testing (2)](https://www.currenenvironmental.com/blog/topic/soil-testing)
- [tank grant changes (2)](https://www.currenenvironmental.com/blog/topic/tank-grant-changes)
- [things to do to be green (2)](https://www.currenenvironmental.com/blog/topic/things-to-do-to-be-green)
- [1031 (1)](https://www.currenenvironmental.com/blog/topic/1031)
- [2011 (1)](https://www.currenenvironmental.com/blog/topic/2011)
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- [Clean air (1)](https://www.currenenvironmental.com/blog/topic/clean-air)
- [Crawl space management (1)](https://www.currenenvironmental.com/blog/topic/crawl-space-management)
- [Crawlspace Management (1)](https://www.currenenvironmental.com/blog/topic/crawlspace-management)
- [Crawlspace oil tank (1)](https://www.currenenvironmental.com/blog/topic/crawlspace-oil-tank)
- [Crawlspace tank (1)](https://www.currenenvironmental.com/blog/topic/crawlspace-tank)
- [Estate (1)](https://www.currenenvironmental.com/blog/topic/estate)
- [IAQ (1)](https://www.currenenvironmental.com/blog/topic/iaq)
- [Inherited Property (1)](https://www.currenenvironmental.com/blog/topic/inherited-property)
- [Invasive Mold Infections (IMI) (1)](https://www.currenenvironmental.com/blog/topic/invasive-mold-infections-imi)
- [Lead Paint Survey (1)](https://www.currenenvironmental.com/blog/topic/lead-paint-survey)
- [Lead testing (1)](https://www.currenenvironmental.com/blog/topic/lead-testing)
- [Metal Detector Limitations (1)](https://www.currenenvironmental.com/blog/topic/metal-detector-limitations)
- [Mold Evaluation (1)](https://www.currenenvironmental.com/blog/topic/mold-evaluation)
- [Mold Inspection (1)](https://www.currenenvironmental.com/blog/topic/mold-inspection)
- [NFA (1)](https://www.currenenvironmental.com/blog/topic/nfa)
- [NJDEP ISRA (1)](https://www.currenenvironmental.com/blog/topic/njdep-isra)
- [NJDEP oil tank grant change may 3 (1)](https://www.currenenvironmental.com/blog/topic/njdep-oil-tank-grant-change-may-3)
- [NJDEP tank grant discontinued (1)](https://www.currenenvironmental.com/blog/topic/njdep-tank-grant-discontinued)
- [NJDEP tank grants (1)](https://www.currenenvironmental.com/blog/topic/njdep-tank-grants)
- [NO Further Action (1)](https://www.currenenvironmental.com/blog/topic/no-further-action)
- [Septic Systems (1)](https://www.currenenvironmental.com/blog/topic/septic-systems)
- [Tank removal NJ (1)](https://www.currenenvironmental.com/blog/topic/tank-removal-nj)
- [abandoned oil tank (1)](https://www.currenenvironmental.com/blog/topic/abandoned-oil-tank)
- [antibodies (IgG/IgE) (1)](https://www.currenenvironmental.com/blog/topic/antibodies-igg-ige)
- [asbestos (1)](https://www.currenenvironmental.com/blog/topic/asbestos)
- [being grren (1)](https://www.currenenvironmental.com/blog/topic/being-grren)
- [best tank sweep (1)](https://www.currenenvironmental.com/blog/topic/best-tank-sweep)
- [buying a home with a tank (1)](https://www.currenenvironmental.com/blog/topic/buying-a-home-with-a-tank)
- [buying house with oil tank (1)](https://www.currenenvironmental.com/blog/topic/buying-house-with-oil-tank)
- [cheap green practices (1)](https://www.currenenvironmental.com/blog/topic/cheap-green-practices)
- [closed in place oil tank (1)](https://www.currenenvironmental.com/blog/topic/closed-in-place-oil-tank)
- [green tips (1)](https://www.currenenvironmental.com/blog/topic/green-tips)
- [healthy home tips (1)](https://www.currenenvironmental.com/blog/topic/healthy-home-tips)
- [home disclosure (1)](https://www.currenenvironmental.com/blog/topic/home-disclosure)
- [home maintenance (1)](https://www.currenenvironmental.com/blog/topic/home-maintenance)
- [invasive mold infections (1)](https://www.currenenvironmental.com/blog/topic/invasive-mold-infections)
- [lead paint testing (1)](https://www.currenenvironmental.com/blog/topic/lead-paint-testing)
- [mold regulations (1)](https://www.currenenvironmental.com/blog/topic/mold-regulations)
- [oil tank remediation (1)](https://www.currenenvironmental.com/blog/topic/oil-tank-remediation)
- [property purchase inspection (1)](https://www.currenenvironmental.com/blog/topic/property-purchase-inspection)
- [state mold regulations (1)](https://www.currenenvironmental.com/blog/topic/state-mold-regulations)
- [tank foam (1)](https://www.currenenvironmental.com/blog/topic/tank-foam)
- [tank removal PA (1)](https://www.currenenvironmental.com/blog/topic/tank-removal-pa)
- [tank testing (1)](https://www.currenenvironmental.com/blog/topic/tank-testing)
- [tanks weep (1)](https://www.currenenvironmental.com/blog/topic/tanks-weep)
- [underground storage tank detection (1)](https://www.currenenvironmental.com/blog/topic/underground-storage-tank-detection)

[see all](https://www.currenenvironmental.com/blog/oil-tank-insurance#)

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