Lead Poisoning: Your Health, Your Insurance Coverage

It wasn’t that long ago that the water crisis hit Flint, Michigan, and residents became concerned about the lead content. For years, home and property owners and managers, as well as mortgage companies, have known about the risks of lead.

Recent studies of metal exposure in many parts of the country have raised important questions.

What is lead poisoning?

This form of toxic poisoning can occur when a dangerous level of lead enters the body. By the way, small amounts of lead are also not good for you and can cause serious health problems, especially in children under the age of six.

Where does lead come from?

Lead problems usually originate from lead-based paint and lead-contaminated dust. Older houses and buildings are problematic in this regard. Lead can also be found in contaminated air, water, and soil. Those working with batteries, renovating apartment or office buildings may also be at risk, as can people who repair cars.

How does one get to this form of poisoning?

All that is needed to reduce lead poisoning to low levels is to avoid places where lead is present. Patients suffering from a high level of lead poisoning may need to undergo a treatment called chelation. Family doctors are the best source of guidance in this matter. Of course, avoiding contact with sources of lead is the best antidote in the first place.

How is lead poisoning prevented?

Here are several everyday tips to help residents prevent exposure to lead poisoning.

• After turning on the cold water, let it run for about a minute before using it.

• Wash your hands before eating, at bedtime and after playing outside.

• Disinfect toys regularly.

• Mop all floors regularly. Wipe down furniture and surfaces with a damp cloth to maintain a dust-free atmosphere.

• Train family members to remove shoes before entering

• Plant grass over patches of soil.

• Plant grass on patches of bare dirt outdoors, covering sandboxes after play

• Eat healthy foods three times a day.

• Avoid toys, medicines, cosmetics, and hair dyes that may contain lead.

What about property insurance? Does it cover lead poisoning?

This type of metal poisoning is a controversial topic for most insurance companies, especially when it comes to older homes, buildings, and properties. Generally, home and property owners must hire a special inspector to confirm that lead is not a known problem before a provider will sell related coverage.

More information about lead poisoning in relation to homeowners insurance can be obtained from an independent insurance agency that has experience in all areas of real estate.