Homes built before 1978 run a high risk of having lead paint which has been proven to be toxic and cause growth and behavioral abnormalities in children along with other health risks for adults. In past years, landlords and homeowners have suffered substantial financial losses due to lead-paint being in the homes or buildings they rented or leased to families with children. The economic impact is worsened because lead is not covered under insurance policies. Lead paint insurance doesn't exist under insurance coverage due to three different clauses in most policies: 1) pollution exclusions; 2) the occurrence definition and the meaning of expected or intended limitation; and 3) notice of requirements. These exclusions, preventing insurers from relying on their insurance to cover claims involving lead, place landlords in a precarious financial situation. If they don't have the funds for lead abatement and they continue to allow children to live in lead contaminated homes, they risk severe economic retaliation during lead-paint litigation claims. Individuals have received jury verdicts upwards of $7 million, making the amount of money it takes for lead abatement seem miniscule. Until there is a liability insurance clause that covers lead, landlords and homeowners looking to sell should make sure their home is completely lead free, particularly if children are going to be in the home.