Radon mitigation
Radon mitigation is a set of engineered systems that reduce indoor radon gas concentrations below the EPA’s recommended action level of 4.0 picocuries per liter. Homeowners implement sub-slab depressurization systems and active soil depressurization to lower radon exposure in living spaces.
Most U.S. Homeowners spend between $800 and $2,500 for professionally installed radon mitigation systems.
Insurers do not typically cover radon mitigation as part of standard homeowners policies or endorsements. Underwriting guidelines from leading carriers such as State Farm and Allstate require disclosure of existing radon mitigation before issuing new homeowner policies, YourInsuranceInfo reports.
FHA loans mandate verification of acceptable post-mitigation radon levels for home purchase approvals in zip codes with elevated risk, including much of Pennsylvania and Iowa. Real estate transactions in counties flagged by the EPA as “Zone 1” frequently require proof of completed radon mitigation as part of closing documents.
Buyers may request seller-paid mitigation following test results exceeding 4.0 pCi/L during due diligence periods in states like Illinois and Minnesota. Radon-related insurance claims–such as property devaluation–rarely succeed unless tied to failure or negligence in disclosed professional installation records.
Most professional mitigators warranty their equipment for 5–10 years, but insurers treat system breakdowns as maintenance rather than insurable loss events. Policy discounts for pre-existing mitigation are rare; only a handful of niche underwriters, like PURE Insurance, offer small premium credits with proof of long-term low-level retests.
Is radon mitigation covered by insurance?
No, radon mitigation is not typically covered by insurance. Most insurance policies consider radon mitigation to be a preventative measure and do not cover the cost of materials or labor associated with such measures. Radon testing is often considered a pre-existing condition in most insurance policies, so any problems associated with existing levels would likely…
Does homeowners insurance cover radon mitigation?
Yes, homeowners insurance generally covers radon mitigation. Most policies will cover the costs associated with abatement and remediation of indoor radon contamination under their general property coverage. This coverage may also include repair or replacement of any damaged building components that were impacted by the radon gas. Some policies will provide reimbursement for lost personal…
Does insurance cover radon mitigation?
The answer to this question depends on the type of insurance you have. Some types of homeowners insurance provide coverage for radon mitigation work, while other types may not. It is important to review your policy documents or contact your insurance provider to see if radon mitigation is covered under your specific policy. Some states…
See also Railway insurance.