Homeowners insurance does not pay for a radon system and health insurance almost never does. What an HSA or FSA, a renovation loan, Pennsylvania's weatherization and county repair programs, or the seller can cover, and what a system costs in York County.
Chapters
Transcript
0:00 Homeowners insurance almost never pays for a radon mitigation system. Here is why, and what can help you cover the cost.
0:10 Standard policies cover sudden accidents like fire or a burst pipe. Radon is a gradual, naturally occurring condition, excluded as pollution.
0:20 Health insurance rarely helps either, but a health savings or flexible spending account can pay with a letter of medical necessity.
0:30 The IRS allows medical home improvements only above seven and a half percent of income, minus value added to the house.
0:40 Pennsylvania offers no mitigation grants, but a weatherization readiness program and some county repair programs can fund health and safety work.
0:50 During a home sale, the seller usually pays, or the work rolls into an FHA or HomeStyle renovation loan.
1:00 Rural homeowners with low incomes may qualify for a USDA repair loan at one percent, or a grant after age sixty-two.
1:10 In York County a standard system runs about twelve to eighteen hundred dollars installed. The fan costs a few dollars monthly.
1:20 Whoever pays, hire a DEP-certified mitigator and keep the paperwork. Find certified contractors at Radon Mitigation In York dot com.
Key points
- Homeowners insurance does not pay. Standard policies exclude pollutants and gradual conditions, and insurers treat radon as maintenance.
- Health insurance almost never does. An HSA or FSA can reimburse mitigation with a physician's letter of medical necessity; a limited-purpose FSA cannot.
- The tax route is narrow. Medical home improvements count only above 7.5 percent of income and net of any value added to the house.
- Pennsylvania has no mitigation grants. The Weatherization Readiness Program lists radon mitigation among the repairs it funds; York County's Home Improvement Program covers health and safety risks for qualifying owners.
- In a sale the seller usually pays, or the work rolls into an FHA 203(k) or HomeStyle renovation loan.
- USDA Section 504 offers 1 percent repair loans, and grants after age 62, at rural-eligible addresses.
- York County price: about $1,200 to $1,800 installed for most houses.
The full guide: Will insurance pay for a radon mitigation system in Pennsylvania?. Prices: what a radon system costs in York. Find DEP-certified contractors in the listings.
Read the full guide: Will insurance pay for a radon mitigation system in Pennsylvania?
