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Lead Poisoning: Your Health, Your Insurance Coverage

Not too long ago there was a water crisis in Flint, Michigan, and residents became concerned about the lead content. Home and property owners and managers, as well as mortgage companies, have known about the hazards of lead for years.

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 your health and can cause serious health problems, especially in children under the age of six.

Where does the 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. People who work with batteries or renovate apartment or office buildings, as well as auto repairers, may also be at risk.

How is this form of poisoning treated?

Avoiding places where lead is found is all that is needed to reduce low levels of lead poisoning. Patients suffering from a high level of lead poisoning may need to undergo a treatment called chelation. Family physicians are the best source of guidance in this matter. Of course, avoiding contact with lead sources 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 one minute before using it.

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

• Disinfect toys regularly.

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

• Train family members to remove shoes before entering

• Plant grass over the dirt patches.

• Plant grass over patches of bare soil outdoors, covering sandboxes after play.

• Eat healthy meals 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 issue for most insurance companies, especially when it comes to older homes, buildings, and property. Home and property owners are usually required to hire a special inspector to confirm that lead is not a known problem before lead coverage is sold by a provider.

You can get more information about lead poisoning as it relates to property insurance from an independent insurance agency with experience in all areas of real estate.

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