Radon is a naturally occurring gas that can be harmful to your health if exposed to high levels over time. As a homeowner, you may wonder if your homeowners insurance covers radon mitigation in case high levels of radon are detected in your home. Understanding how radon mitigation fits into your homeowners insurance policy is essential for ensuring your home remains safe and protected.
Let's discuss whether homeowners insurance covers radon mitigation and provide helpful insights on how to handle radon in your home.
Radon mitigation refers to the process of reducing radon levels in your home to safe levels. This typically involves installing a radon mitigation system, such as a venting system that helps to direct radon gas outside of the house. The installation of such systems is essential if your home has high radon levels, as long-term exposure to radon can pose serious health risks.
While homeowners insurance does not cover the cost of radon mitigation, it is still essential to address radon levels in your home. According to health experts, radon exposure is the second leading cause of lung cancer in the United States. By addressing high radon levels through mitigation, you protect not only your health but also the health of your family members.
Additionally, if you're planning to sell your home, potential buyers may require radon testing. Having a mitigation system already in place makes the process smoother and increases the value of your home.
Homeowners insurance typically does not cover the cost of radon mitigation. Most standard homeowners insurance policies exclude coverage for radon testing and mitigation systems. This means that if high levels of radon are detected in your home, you would be responsible for covering the cost of the mitigation system.
However, there are certain situations in which homeowners insurance may provide coverage related to radon exposure. For example, if your radon exposure results in a covered loss, such as a fire or property damage, your policy may help cover the cost of repairs. Generally, however, you will need to arrange for radon mitigation on your own.
To manage radon levels in your home, follow these steps:
At Kneller Insurance Agency, we understand the importance of protecting both your home and family from potential risks. Radon is one such hidden threat that can significantly impact your health and safety. While homeowners insurance typically does not cover radon mitigation, we are here to guide you.
Our team can help you understand the details of your policy and offer advice on steps you can take to protect your home from radon exposure. If you're concerned about radon levels in your home or need assistance with mitigation options, contact us at 518-329-3131 today for expert guidance and support.
