Insurance Companies Review Fire Department Coverage Using Legacy PFAS Foam

Liability worries and contamination issues have insurance companies reviewing policies for departments still employing PFAS-based foam

Monday, April 21, 2025 - Insurance companies all across are starting to review how they cover fire departments still using outdated firefighting foam including per- and polyfluoroalkyl substances (PFAS). Widely employed for decades to fight fuel-based flames, these foams are under increasing environmental and health risks today. Insurers are considering the legal and financial risks of underwriting departments that have not yet switched to PFAS-free alternatives as PFAS have been connected to major diseases including cancer. Comprising these compounds, Aqueous Film Forming Foam (AFFF) has come under increasing legal pressure as more firemen and locals file PFAS cancer lawsuit claims, asserting exposure via training exercises, emergency response, or contaminated settings. The ubiquitous presence of PFAS in drinking water close to airports, fire stations, and training facilities where historical foam has been applied worries insurance carriers especially. Targeting foam producers and municipalities, lawsuits are growing and insurers are now deciding whether ongoing use of these materials could expose them to ever-rising legal expenses and long-term responsibility. While some rules are rewriting to completely exclude claims connected to PFAS, others are mandating departments demonstrate they are no longer utilizing outdated foam. These developments coincide with resources already under pressure for fire departments, thus using alternate suppression chemicals could call for more money than easily accessible.

The changing insurance policy also puts pressure on agencies to examine their firefighting supplies, particularly foam stockpiles bought years ago, more closely. Departments that keep storing or using legacy AFFF run not just legal danger but also loss of liability or pollution coverage, which may have a major impact on operations should a contamination claim arise. Some fire departments find themselves stuck between growing demands to eradicate drugs now judged to be ecologically dangerous and directives to deploy effective fire suppression tools. Concerned about the long-term effects of PFAS exposure, insurance companies are advocating more openness about foam use, storage, and disposal. Sometimes insurance renewals are postponed or rejected outright until departments can show adherence to new safety criteria. These changes mirror the larger financial consequences of PFAS-related litigation, which has already caused private businesses and local governments to rethink their chemical policies. Insurers are trying to reduce their exposure to future litigation, particularly those involving groundwater contamination or occupational health claims, as more data surfaces connecting PFAS to public health hazards. Fire departments know more and more that depending too much on outdated foams can leave them vulnerable to expensive legal action. Some have started internal assessments, teamed with environmental consultants, or looked for government financing to move away from materials derived from PFAS. Although some states have already outlawed the use of legacy foams, numerous agencies all throughout the nation are still adjusting to balancing operational needs with changing financial and legal reality. The reaction of the insurance sector gives the PFAS debate fresh urgency since it indicates that the effects of inactivity could go much beyond environmental and health hazards. Should fire departments fail to react rapidly, they could find themselves without vital insurance cover as legal demands grow. One thing is becoming clear as insurers, municipalities, and fire departments negotiate the consequences of PFAS use: depending too much on legacy foam could compromise not only the health and the environment but also the financial stability of the very departments assigned to safeguard public safety.

More Recent Federal Government Water Contamination Lawsuit News:

• Fire Academy Recruits Might Come Across Risky PFAS Levels During Training | 4/21/2025
• New Blood Testing for Firefighters Might Indicate PFAS Exposure Background | 4/21/2025
• PFAS Contamination Lawsuits Target Fire Foam Manufacturers Over False Safety Claims | 4/21/2025
• Research Connects Increased Bladder Cancer Rates to Long-Term AFFF Exposure in Firefighters | 4/21/2025
• Community Wells Close to Fire Training Ground Show Years of Unchecked PFAS Contamination | 4/21/2025
• AFFF Foam and the Unspoken Risk at Fire Department Washing Stations | 4/20/2025
• Volunteer Firefighters Often Lack Protective Gear Against PFAS Exposure | 4/20/2025
• Retired Firefighters Demand Federal Payment for Cancer Cases Linked to PFAS | 4/20/2025
• Urban Firefighting Training Ground Named as PFAS Hotspot | 4/20/2025
• Practices for PFAS Foam Disposal Could Be Generating Secondary Water Contamination Risk | 4/20/2025
• Legacy PFAS Foam Supplies Create Unfair Risk for Volunteer Fire Departments | 4/20/2025
• Youngsters Consuming Contaminated School Water | 3/15/2025
• PFAS Are Still Legal Despite Their Known Hazards | 3/15/2025
• How Climate Change Is Complicating PFAS Contamination | 3/15/2025
• Seafood Safety And PFAS In The Fishing Industry | 3/11/2025
• The American Military's Part in Efforts at PFAS Remedial Action | 3/11/2025
• How successfully do home water filtration systems remove PFAS | 3/11/2025
• How PFAS Affects Fertility and Reproductive Health | 3/10/2025
• The Financial Cost Of PFAS Contamination Of Local Water Supplies | 3/10/2025
• Home Items Contributing to PFAS Water Contamination | 3/10/2025
• Effects of PFAS Contamination on Indigenous People | 3/9/2025
• Exposure to PFAS Chemicals And The Relationship to Autoimmune Diseases | 3/9/2025
• Landfills' Part in PFAS Contamination of Groundwater | 3/9/2025
• Firefighters Have Developed Cancer From Using Firefighting Foam | 11/21/2022
• Firefighters Have Developed Cancer From Using Firefighting Foam | 11/21/2022
• Part Two of Equipment Degreasers Containing Trichloroethylene Is At The Center Of The US Military's Water Contamination Crisis | 11/20/2022
• Equipment Degreasers Containing Trichloroethylene Is At The Center Of The US Military's Water Contamination Crisis Part One | 11/20/2022
• Tap Water Kidney Cancer Could Be Likely Caused By PFAS Chemical Contaminated | 11/17/2022
• Cancer Clusters May Occur Where PFAS Forever Chemical Are Manufacturered Or Used | 11/17/2022
• Newborn Babies Are Packed With PFAS Forever Chemicals | 11/14/2022
• California Sues 3M And Others For Water Contamination From Firefighting Foam | 11/13/2022
• PFAS Chemicals Found In Tap Water Of Communities Surrounding 400 Military Bases And Airports | 11/12/2022
• Burn Pits And Waste Disposal At Military Bases Contributed To Tap Water Pollution And Cancer | 11/8/2022
• Firefighting Foam Settlements Will Set A Precedent For PFAS Water Contamination Lawsuits In The Future | 10/31/2022
• The Clean Water Act Failed To Protect People From PFAS Forever Chemicals In Americas Waterways | 10/25/2022
• People With Cancer May Hold 3M And Others Financially Accountable For Causing Their Disease And Death | 10/23/2022
• PFAS Water Contamination May Be Greatest On And Near US Military Installations That Use Firefighting Foam | 10/13/2022
• EWG Reports Multiple Studies Have Found PFAS Chemicals In Umbilical Cord Blood of Newborn Babies | 10/3/2022
• PFAS Water Contamination May Have Contaminated Every Military Base That Used Firefighting Foam | 10/2/2022
• PFAS Chemicals Per- and Polyfluoroalkyl Substances In Childrens Clothing May Cause Cancer And Other Health Problems | 9/28/2022
• State Municipal Governments Must Tighten Water Safety Standards | 9/20/2022
• Water Contamination Is The Invisible Enemy At Military Bases | 9/20/2022
• PFAS Chemical Contamination Is Absolutely Everywhere Says A Prominent Environmental Chemist | 9/13/2022
• The US Air Force Identifies PFAS Chemicals From Firefighting Foam Contaminated Several Military Water Supplies | 9/12/2022
• The EPA Undertests and Underreports Levels of PFAS Forever Chemicals In Drinking Water | 8/1/2022
• Municipal Government Are On The Front Line In Fighting Local Tap Water Contamination | 7/27/2022
• PFAS Forever Chemical Are Not Diluted With Water And Leech Into The Nearest Water System Every Time It Rains | 7/17/2022
• Bottled Water Safety Is Getting The Attention of Lawmakers Looking to Reduce PFAS Forever Chemical In The Water Supply | 7/14/2022
• Passage of The Camp Lejeune Justice Act Could Take Months Longer Than Expected | 7/12/2022
• Most Marines And Civilians That Lived And Worked in The Area Are Unaware That Drinking Tap Water Caused Their Cancer | 7/9/2022
• Millions Who Lived On or Near Camp Lejeune And Other Military Bases Have Developed A Variety of Deadly Diseases | 7/6/2022
• A CDC Study Links Drinking Camp Lejeune Tap Water With Serious Birth Defects | 7/5/2022
• The EPA Has Lowered Its Tolerance For Acceptable Levels Of PFAS Forever Chemicals In Municipal Drinking Water To Nearly Zero | 6/27/2022
• Marine Combat Survivors Returned Home To Face A Silent But Deadly Enemy In Camp Lejeune Water Contamination | 6/23/2022
• The Camp Lejeune Justice Act Has Passed The Senate And Awaits The Signature of the President | 6/20/2022
• Massachusetts AG Sues 3M And Others For Destroying The Local Drinking Water Systems With PFAS Forever Chemicals | 6/16/2022
• 12 More Military Bases Show Elevated Levels Of PFAS Forever Chemicals | 6/15/2022
• Dry Cleaning Chemicals Are Likely Carcinogenic According To The WHO | 6/13/2022
• Water Contamination Legislation Should Be A Higher Priority Than Gun Control | 6/10/2022
• Cancer Clusters Expose Dry Cleaning Solution As A Potential Source Of Tap Water Contamination | 6/8/2022
• Farms Near The Nation's 400 Military Bases Are Raising Crops And Livestock That Are Contaminated With PFAS Forever Chemicals | 6/6/2022
• There Are Many Ways To Ingest Carcinogenic PFAS Forever Chemical Besides Drinking Tap Water | 6/2/2022
• Thousands of Children Died At Camp Lejeune From Leukemia Because Their Mother Drank Tap Water While Pregnant | 5/31/2022
• Camp Lejeune Marine Veterans, Civilian Employees, And Their Families Should Undergo Cancer Testing | 5/30/2022
• Efforts To Remediate Troubled Tap Water Near Air Force Bases Is Too Little Too Late | 5/29/2022
• The Honoring Our Pact Act Will Acknowledge That Latent Cancers Are Service Related | 5/26/2022
• Water Contamination at Camp Lejeune Caused Stillborn Baby Deaths And Other Child Deaths That Were Left Unrecorded | 5/25/2022
• Camp Lejeune Water Contamination Has Helped To Shed Light On A Global Health Catastrophy | 5/23/2022
• Military Veterans From Camp Lejeune May Now File Suit Against The Department of Defense For Causing Their Family Illnesses | 5/20/2022
• Florida Senator Rubio Alleges The Government Covered Up Their Camp Lejeune Water Contamination Crimes And Must Be Held Accountable In A Court of Law | 5/18/2022
• The US Congress Has Known Since 2010 That The Drinking Water At Camp Lejeune Was Killing Marines And Their Families | 5/17/2022
• Marines From Camp Lejeune That Have Lost Children To Cancer From Toxic Forever Chemical Exposure Are Due Their Day In Court | 5/16/2022
• A Camp Lejeune Cemetary Is Called Baby Heaven Because So Many Children Have Died From Toxic Drinking Water | 5/11/2022
• One By One Each State, Municipality, And Other Government Sub-divisions Are Suing The Manufacturers of PFAS Forever Chemicals | 5/10/2022
• Firefighters With Prostate Cancer Sue 3M And Others For Failing To Warn Them | 5/7/2022
• Children Of Military Service Members May Have Been Harmed The Most By PFAS Forever Chemicals | 5/5/2022
• The City Of Portsmouth Files Suit Against 3M and Others For Contaminating The Ohio River | 5/3/2022
• More Legislation Is On The Way That Will Compensate Military Veterans And Firefighters Who Have Developed Job-Related Illnesses | 4/27/2022
• Another Lawsuit Filed Against a Municipal Drinking Water Treatment Plant For Being Polluted With Forever Chemicals | 4/25/2022
• Lawmakers Address Toxic PFAS Forever Chemicals By Writing Legislation That Is Pending Becoming Law | 4/22/2022
• One Study Finds Carcinogenic PFAS Chemicals Bioaccumulate In Beef And Dairy Products | 4/21/2022
• A Local Dry Cleaning Company May Have Polluted the Camp Lejeune Water Treatment Facilities With PFAS Forever Chemicals | 4/19/2022
• Burn Pits Are Identified As A Source Of Military Installation Drinking Water Contamination | 4/18/2022
• Young Families Exposed To Toxic Chemicals Are Fighting Back | 4/15/2022
• Cancer Clusters Indicate PFAS Forever Chemical Contamination | 4/14/2022
• 98% Of Americans Test Positive For Toxic Levels of Forever Chemicals | 4/13/2022
• Lawsuits Seek Lump Sum Monetary Compensation For Cancer And Birth Defects From Drinking Contaminated Drinking Water | 4/11/2022
• Studies Conclude That Unborn Children Were Injured When Pregnant Mothers Drank Contaminated Tap Water | 4/8/2022
• 3M To Be Held Accountable For Selling Products That Contain Forever Chemicals Claiming They Were Safe | 4/4/2022
• Mothers That Drink Tap Water During Pregnancy Risk Having Children Born With Birth Defects | 3/30/2022
• Elsworth Air Force Base Is Attempting To Provide Free Clean Water To Local Residents Poisoned By PFAS Chemicals | 3/28/2022
• Military Veterans Are Protesting To Draw Attention To Toxic Burn Pits And The Carcinogenic Firefighting Foam Used To Extinguish The Fires | 3/25/2022
• The Closing Of Military Bases Exposed Toxic Burn Pits And Forever Chemicals in Firefighting Foam | 3/23/2022
• Politicians Agree Camp Lejeune Service Members And Their Families Deserve The Right To Sue The Federal Government | 3/22/2022
• Camp Lejeune Water Contamination Sickened Thousands Of Young Military Families With Terminal Illnesses | 3/21/2022
• Lawmakers Have More Evidence To Help Water Contamination Cancer Families Get Their Day In Court | 3/17/2022
• The Staggering Scope Of Firefighting Foam Water Contamination | 3/14/2022
• The EPA Allocates A Record Amount of Money To Fix Lead Drinking Water Pipes Servicing Low-Income Communities | 3/10/2022
• The EPA Allocates A Record Amount of Money To Fix Lead Drinking Water Pipes Servicing Low-Income Communities | 3/10/2022
• Children Living Near Military Bases and Firefighting Stations Could Be At Risk Of Developing Cancer From The Drinking Water | 3/7/2022
• Camp Lejeune Toxic Water Survivors Could Get Their Day In Court | 3/6/2022
• Camp Lejeune Justice Act Is One Step Closer To Becoming A Reality | 3/5/2022
• County Governments Are Suing 3M For Failing To Warn Them of Forever Chemicals In Firefighting Foam | 3/4/2022
• Veterans Who Love Their Country Gathered In Kentucky To Insist The Government Do The Right Thing | 3/3/2022
• Ground-Water Contamination At Military Installation Caused Cancer In Thousands of Veterans | 3/2/2022
• Private Homeowners and Renters Are Largely Unaware Of the Toxic Chemical That Contaminate Their Everyday Drinking Wellwater | 3/1/2022
• Individuals and Families Should Test The Drinking Water For Carcinogenic Chemical Contamination | 2/28/2022

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