When something in your home becomes damaged or malfunctions, you may not think of the health consequences it can lead to. While making the necessary repairs will generally mitigate the potential health problems, those who cannot afford to make immediate repairs may get sick because of it. In light of this, homeowners should consider purchasing a home warranty insurance policy, which will cover the costs to correct potentially hazardous situations in your home. Here are three ways your home can make you sick and what you can do about them:
Plumbing System Microorganisms
If your plumbing is compromised, you may be at a heightened risk for developing a sewage-related infection such as a dangerous bacterial, viral, or fungal infection of the skin, respiratory tract, or gastrointestinal system. If your sinks, toilets, wash basin, or basement floor drains back up and you inhale or touch the contaminated sewage, you might get sick.
Unfortunately, many plumbing problems can be very expensive, and if you do not have a home warranty insurance policy to defray the costs, you may be unable to afford the expensive repairs it may take in order to keep you and your family healthy. If you have plumbing problems and develop symptoms such as coughing, shortness of breath, a rash, diarrhea, vision problems, or vomiting, see your doctor right away.
In the meantime, call a licensed plumbing contractor who will assess the situation and recommend the necessary repairs. It is important to note, that even though you may not have a home warranty policy to cover your repair costs, you should not avoid making necessary repairs.
Doing so may put you and your family in danger of developing an infection or other health problem. If you are unable to pay for the repairs, ask your plumber if he or she would consider taking monthly installment payments based on your ability to pay. This way, you won't have to worry about raising a large amount of money or incurring further credit card debt in order to pay for your repairs.
Wildlife and insects can infest your attic via holes in your roof, gutters, or eaves. In certain cases, these animals and insects can transmit disease if you get bit or come in contact with their droppings. Hiring an exterminator or wildlife expert to trap animals in your roof can be costly, however, it is crucial that it be done.
If you have a home warranty, you may be able to have holes or openings in your roof repaired at little or no cost. If squirrels, raccoons, or possums find their way into your attic during breeding season, it will be challenging to re-home them.
Once animals find a comfortable home inside your attic, they may keep returning, raising the risk for further contamination. Not only can you get sick if you make physical contact with animal droppings, but you may also be at risk if dropping dust gets circulated through your home through the vents from your heating and cooling system.
Gas Appliance Malfunction
Gas appliances such as your store or water heater may pose a dangerous threat if malfunctions occur. If you smell gas in your home, open the windows and get outside for fresh air as soon as possible.
While smelling gas can be the result of an unlit pilot light, it can mean that there is a problem with the gas line that feeds into your appliance or that the appliance itself is faulty. Many home warranties will cover the cost of appliance repairs and possibly the gas line that feeds them.
If you have questions about coverage call the warranty company as well as your local gas utility company. The gas company may repair the line at no cost to you, however, you will need to confirm this to determine if you, the homeowner, is responsible for the cost.
If you are interested in purchasing a home warranty insurance policy to protect you from expensive repairs, contact your insurance agent. You will be more likely to make important home repairs if your expenses are covered. While some policies may require that you pay a deductible before services are rendered, it will be a small price to pay for your safety and health.