Have you recently discovered that your cozy abode hosts an unwanted guest called Radon? This naturally occurring gas can sneak into our homes through the most minor cracks and openings. While it’s different from the kind of guest that’ll help with the dishes, it can overstay its welcome with unpleasant effects. Now, if you’re scratching your head wondering if your insurance plan will step in to show radon the door, you’re in the right place! In our latest dive into home safety and insurance, we’ll explore the ins and outs of radon mitigation coverage. Does insurance cover radon mitigation, or is it more of a “not in my backyard” situation? So, grab a cup of something warm, settle in, and unravel the mystery of insurance coverage for radon mitigation together!
What is radiation mitigation?
Radon mitigation is like calling in a superhero team for your air quality. It’s a bunch of methods that help reduce the radon levels in your home to ensure the air you’re breathing is safe. Think of radon as invisible, unwanted guests at a party in your house. Mitigation is the polite but firm bouncer that shows them the door.
Does the homeowner’s insurance cover radon mitigation?
Usually, homeowners insurance doesn’t cover radon mitigation. This is because dealing with radon is seen as part of regular home upkeep, not something unexpected. However, some insurance companies might have extra options you can add to your policy to cover these kinds of issues. It’s smart to talk to your insurance company to find out what your policy does and doesn’t cover. Remember, this is just general information and might not fit every insurance policy or company. So, it’s always best to ask your insurance provider directly for the most accurate details.
Does the home warranty cover radon mitigation?
Radon mitigation may be covered under a home warranty. No, usually. Home warranties cover appliances, HVAC, and plumbing, but radon does not.
You may qualify for financial aid if your insurance policy doesn’t cover radon mitigation. Low-income homeowners can get radon mitigation subsidies in some states. There may also be tax credits or deductions.
If your property has high radon levels, you should mitigate them regardless of whether your insurance covers them. Radon is a severe health risk that can be mitigated. Don’t hesitate to call an expert to fix your home’s radon problem.
Who pays for radon mitigation?
Just because your future dream home has a radon issue doesn’t mean you’re stuck with the bill. Sometimes, the seller will take care of it because it’s still their home. Other times, you might have to negotiate—maybe split the cost or, if you’re not so lucky, cover it yourself.
How Much Does Radon Mitigation Cost?
The price tag on peace of mind varies. According to the Kansas State University National Radon Program Services, it could be anywhere from $800 to over $1,500. Many things affect the price, like how the home is built, what it’s built with, and even the weather around you. Plus, there’s the aesthetic—if you don’t want to see the mitigation system, it might cost you a bit more to have it hidden away.
Health Risks of Radon Exposure
Radon is the leading cause of lung cancer among non-smokers, according to the Environmental Protection Agency (EPA). Long-term radon exposure can damage lung tissue and increase your risk of developing lung cancer. The EPA recommends taking action to reduce radon levels in your home if the test results show 4 picocuries per liter (pCi/L) of air or higher.
Testing for Radon
There are two main ways to test your home for radon:
- Short-term test kits: These DIY kits are available at hardware stores and online. They are relatively inexpensive and easy to use, typically requiring placement in your home for 2–90 days.
- Professional radon measurement: Hiring a certified radon measurement professional is the most accurate way to test your home. Professionals can provide detailed reports and guidance on interpreting the results.
Radon Mitigation Systems
If your radon test results show elevated levels, a radon mitigation system can be installed to reduce the radon gas in your home. These systems typically involve a suction pipe placed beneath the foundation that draws radon gas out of the home and vents it safely outdoors.
Taking Action
The following steps are recommended to protect yourself and your family from radon exposure:
- Test your home for radon.
- If levels are elevated, contact a qualified radon mitigation contractor for an estimate.
- Consider retesting your home for radon every 2 years, especially after any major renovations.
Conclusion
Radon is a serious health hazard, but it’s also preventable. By testing your home for radon and taking steps to mitigate it if necessary, you can create a healthier living environment for yourself and your loved ones. For more information on radon testing and mitigation, contact your local EPA office or a certified radon measurement professional.