When you shop for Carolina home insurance quotes, you’ll have many questions about what your policy covers, and how much it’s going to cost to receive that level of coverage. You should keep in mind, however, that your insurance agent isn’t just a clerk that fills out order forms. Insurance agents are educated and experienced in reducing risk in the home and the workplace, and they can offer you the benefit of their expertise in dealing with many health and safety problems. While you’re probably most interested in the bottom line when you’re asking agents for Carolina home insurance quotes, you should take the opportunity to put some of their experience to work for you.
One of the least understood risks you might find in your home is radon gas. Radon gas is a colorless, odorless gas found in rocks and soil that seeps into home through small cracks in the foundation. The air in your basement doesn’t get ventilated in most cases, so radon gas has a tendency to accumulate, and the concentrations of the gas in the air soon become a health hazard. Breathing radon gas can cause lung cancer, and according to the EPA, it’s the second-leading cause of lung cancer, behind smoking.
Radon gas is impossible to detect without the proper equipment. Since it doesn’t have a smell or a taste, it could be inside your house in large concentrations without anyone noticing. You can test for radon using inexpensive kits you can find at your local home center. You won’t get instant results from a do-it-yourself kit. Best results are achieved if the test kit is left undisturbed in the lowest level of your house for at least 90 days.
A better idea might be a professional test performed by a licensed home inspector. While you’re shopping for Carolina home insurance quotes, it’s smart to ask your agent for the name of one or more home inspection providers that they recommend to their clients. You may even get a better deal than if you inquire on your own.
Another question you can ask your agent when shopping for insurance is how prevalent radon infiltration problems are in the area where you live. Insurance agents have a great deal of information available to them about homes in your area. If it’s common to need radon abatement retrofits in your area, your agent will be able to clue you in if you ask them while you’re shopping for Carolina home insurance quotes.