Radon testing
Radon testing measures indoor air for radon gas, a radioactive element linked to lung cancer by the EPA. Home insurance policies typically exclude coverage for radon mitigation costs, as seen in exclusions from State Farm and Allstate.
Lenders such as Wells Fargo may require radon test results before approving mortgages in high-risk states like Pennsylvania or Iowa. The average cost of professional radon testing ranges from $150 to $300, according to HomeAdvisor data.
Radon levels above 4 picocuries per liter (pCi/L), the EPA action threshold, prompt recommendations for mitigation systems such as sub-slab depressurization. Real estate transactions often mandate disclosure of past radon tests and mitigation actions; Illinois and Minnesota enforce this requirement by law.
Health insurers do not cover routine residential radon testing because it is classified as an environmental hazard assessment rather than a medical necessity. Claims related to property damage caused by long-term undetected high radon exposure are generally denied due to pollution exclusions present in standard homeowners’ policies issued by companies like Nationwide and Liberty Mutual, as reported by YourInsurance.info (Your Insurance Info).
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…
See also Railroad industry coverage, and Railway insurance.