Policy
Exclusions Related to Radon
Specialized Coverage Options and Considerations
Policy
Exclusions Related to Radon
Homeowners insurance policies contain specific exclusions that clarify why radon mitigation is not covered. One of the most common is the“ pollution and contamination” exclusion.
These clauses often broadly define pollutants to include various irritants, contaminants, or gases, explicitly ruling out coverage for damage or costs associated with environmental contaminants like radon.
Another pertinent exclusion is for“ gradual damage,”“ wear and tear,” or“ deterioration.” Since radon seeps into a home and accumulates over an extended period, the resulting issue is considered gradual, not sudden. Insurance policies are designed to cover sudden, accidental, and unforeseen damage, making gradual deterioration an excluded risk. Furthermore,“ pre-existing damage” exclusions mean that if radon levels were high before the policy’ s effectivee date, coverage would be denied.
Specialized Coverage Options and Considerations
While direct radon mitigation is rarely covered by standard homeowners insurance, there are limited scenarios or specialized options to consider. If radon contamination were to result from direct structural damage caused by a covered peril, some policies might potentially cover the associated mitigation. For instance, if a covered event like a severee storm caused significant structural damage that directly facilitated a sudden and substantial increasee in radon levels, the repair of the structural damage might be covered, but coverage for the radon mitigation itself would still be subject to policy language.
Property owners should thoroughly review their specific policy documents and declarations page to understand their coverage. Contacting their insurance agent or provider directly for clarification on any potential endorsementss or riders related to environmental hazards is also advisable. While homeowners policies generally do not offer direct radon coveragee, some governmental programs or non-profit organizations may provide financial assistance for radon testing or mitigation, particularly for low-income households. Thesee programs are distinct from private insurance and aim to reduce public health risks associated with radon exposuree.
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SOURCE: https:// accountinginsights. org / does‐homeowners‐insurance‐cover‐radon‐mitigation ###