Is Radon Mitigation Covered By Insurance? [Find Out Here]


Is Radon Mitigation Covered By Insurance? This post provides the ultimate answer.

If you’re looking to install radon mitigation, you may be wondering whether your insurance policy will cover the costs of the project.

After all, if you’re paying out of pocket, it would be nice to know that your investment will pay off in the long run.

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With all the technical jargon surrounding home improvement projects, it can be difficult to figure out what exactly is covered and what isn’t by your insurance policy, but don’t worry—you don’t have to figure it out on your own!

What is Radon?

Radon is a naturally occurring, odorless and colorless radioactive gas that results from Uranium decay. Although it’s typically not dangerous in small doses, people who are exposed to high levels of radon for long periods of time have a higher risk of developing lung cancer.

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And, because it can get trapped in your home’s basement or crawlspace, you could be exposed to radon even if you don’t smoke. If you think you might be living with high levels of radon, contact us today to learn more about how we can help prevent a needless tragedy from affecting your family!

Who is at risk from this gas?

Everyone is exposed to radon at some point, but it poses a health risk to those who are most vulnerable. This includes anyone with a history of lung disease (such as asthma or emphysema), those who spend lots of time underground (like miners and construction workers), smokers, and people living in older homes.

If you find that your home has high levels of radon gas, call a professional right away; often times, they can install radon mitigation systems that will significantly reduce your exposure levels.

What are the causes of Radon gas?

Carbon-containing compounds like limestone and humus in soil naturally decay into solid carbon. When these are exposed to air, water, and sunlight for a long time, they form a weak radioactive gas called radon (Rn).

The process by which radon is produced is called radioactive decay. This natural process causes almost all of the environmental background radiation we are exposed to on a daily basis. Radon has been known to cause lung cancer in humans since 1911 when studies proved that uranium miners were more susceptible to developing cancer than non-miners.

It was also found that non-smokers who were exposed had more of an increased risk than smokers did. Radon is linked with several other types of cancer as well so it is not just limited to lung cancer risks.

How much does it cost to fix Radon in my home?

As soon as you’ve determined that your home has a radon problem, you need to find out how much it will cost to fix it. Depending on where you live and what type of mitigation system you use, you can expect to pay between $2,000 and $4,000 for a whole-house remediation system.

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The most popular systems in North America are sub-slab depressurization (SSD) and soil suction. SSD systems depressurize radon from under your home by blowing fresh air from a vent pipe under your slab; soil suction devices draw radon up through pipes placed around or near your foundation.

Is Radon Mitigation Covered By Insurance?

In most cases, you won’t be able to get insurance for radon mitigation, but it may be covered by your homeowner’s insurance. If so, you can use a simple online quote request form on your insurer’s website to see what they’ll cover before getting started with a contractor.

Some insurers will cover up to 80% of total project costs; others might pay all costs associated with radon mitigation. Many companies offer multiple radon services, like testing and tretament as well, so make sure you take that into account when considering overall price points.

Ultimately, whether or not your insurer will cover any of these services depends on where you live and where you plan to install a radon mitigation system.

What if I don’t have a home owner’s policy and I want to fix this problem, how can I do so without taking out a loan or using my savings account?

There are several options for financing your radon mitigation, depending on your specific situation. If you have a good credit rating, you may be able to get a home equity loan that will cover part or all of the costs associated with your radon project.

Be aware that a secured loan like that can affect your credit if you miss payments, but it’s a great way to get money for other projects. You might also consider paying out of pocket and then filing for reimbursement from an at-fault insurance company or by using your homeowner’s policy.

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If you’re in that situation, call an expert and he or she will work with you to help you understand what information is needed from medical professionals so it gets covered.

Does my homeowner’s insurance cover all of the costs involved with fixing radon in my home?

If you’re wondering whether your homeowner’s insurance covers radon mitigation, don’t fret. It does, but only under a few specific circumstances:

  1. You live in an area that is at high risk for elevated radon levels.
  2. Your home has been tested and found to have elevated levels of radon.
  3. You have a mortgage lender that requires it as part of your loan (this is likely).

That being said, be sure to check with your insurance company before making any changes to your home so you know exactly what’s covered and what’s not. You never want to work on something or install something in your home thinking it will be covered when it isn’t.

How can I find out if my home has high levels of radon gas?

First, you’ll want to find out if your home has a radon problem. This means testing for radon gas in your home. The EPA recommends that all homes have their radon levels tested if they are being sold, or if they have been previously sold but never tested.

Homes that have high levels of radon should be fixed by a professional. Otherwise, breathing in too much radon can lead to lung cancer—it’s that serious.


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