Radon Risks in NJ Property and Related Insurance

According to the NJ Department of Health and the NJ Department of Environmental Protection – also known as NJDEP – any resident in the state of New Jersey is at risk radon penetrating their property. As such, they are urging all home owners, renters, landlords and business property owners to have their premises tested.

What is radon?

Radon is a natural radioactive gas that can be found in the soil or rocks and move into a structure through the cracks and openings of its foundation. Radon has been determined to cause lung cancer. Due to the fact that radon is colorless and cannot be detected by a particular odor or smell, both state agencies advice residents to have their homes tested by a professional radon testing company or through do-it-yourself kits that can be bought at local hardware shops, home improvement stores and directly from the manufacturers at an inexpensive price.

“I strongly encourage every NJ resident to test their home for radon,” cautions Acting Health Commissioner Christopher R. Rinn. “Elevated levels of radon have been found in homes located in every NJ county!”

According to officials, tobacco smokers are at highest risk from radon exposure.

By visiting the NJ Radon Organization’s website, residents can learn more about the associated warnings.

In regard to insurance, homeowners may wonder if they are covered for testing and/or mitigation of the gas if it is found.

The reality is that a standard home insurance policy will only cover a sudden or unexpected peril, like fire or theft. When it comes to things that should be part of a regular home maintenance routine – like testing for radon before a home is even purchased – there would be no coverage should the radon be detected afterward.

The professional radon tester and mitigate, however, is privy to related professional liability insurance coverage, just like others who test for and remove hazardous materials.

The insurance is especially created for:

• Any contractor and laboratory that can test for the existence of radon gas in soil that is around residential or other buildings and structures

and

• for the contractor that also provides radon elimination services from a property

This type of insurance protects from related lawsuits pertaining to errors and omissions and associated damages.

Of course, like any specialized coverage, there are variables and complicated issues. It is therefore best to sit down with a member of an experienced and knowledgeable independent insurance agency to explain individualized situations and concerns and have him and her present the tailored type of policy that can optimize your protective coverage.