Most of Cleveland’s housing was built before 1978, the year lead-based paint was banned for residential use. To reduce childhood lead poisoning, the city passed its Lead Safe Ordinance in 2019, and since March 2021, most residential rental units built before 1978 have needed a Lead Safe Certification.
Your Lead Safe Questions, Answered
Which properties are covered?
Under Chapter 365 of Cleveland’s codified ordinances, residential rental units built before January 1, 1978 are presumed to contain lead-based paint and generally need certification. Owner-occupied units are exempt, so if you live in one side of a Cleveland double and rent the other, the rented unit typically still needs certification.
How does a property get certified?
An owner submits a clearance examination or lead risk assessment from an independent, certified professional. A standard certificate is valid for two years, and some properties that meet stricter standards can qualify for a longer exemption.
Are the rules changing?
City leaders have proposed updates in 2026 that would lengthen renewal periods for many properties, especially those with replaced windows and doors or repeated passing results. Check with the city for the current requirements before your next renewal.
Where Insurance Fits In
Does a landlord policy cover lead claims?
Often, no. Many dwelling and landlord policies, and many umbrella policies, exclude or limit claims related to lead. A lead claim may not be covered by the policies landlords rely on for other liability.
Are there other options?
Specialized lead or environmental liability coverage may be available for some rental owners. Availability and terms vary, so it’s worth asking before renewal.
Does certification help?
Maintaining certification and documenting lead-safe work supports compliance, and good records matter.
For legal questions about compliance, a Cleveland real estate attorney or the city’s Department of Building and Housing are the right resources. Our post on damage from another unit explains coverage from the tenant’s side.
Great Lakes Insurance Pros in Cleveland, OH can review your rental and home insurance for lead exclusions. Property owners across Cleveland, OH and Northeast Ohio can reach out to Great Lakes Insurance Pros anytime.
