For $50k I&#x27;d at least get some further legal opinions. I believe there&#x27;s also state laws about what the specific HOx policies can actually exclude (regardless of what the actual policy says), so perhaps there&#x27;s something there.<p>Although the causality is a latent condition from when you bought the house, which doesn&#x27;t bode well. If you yourself had caused the spill when doing demo, I think you&#x27;d be in a stronger position.