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Typically, homeowners insurance does not cover asbestos removal or abatement. Most policies exclude coverage for pollutants, contaminants, and hazardous materials, which includes asbestos. Because asbestos is often considered a pre-existing condition in older homes, its removal is usually viewed as a maintenance expense rather than an insurable loss. However, there is a key exception: if asbestos-containing materials are discovered or disturbed due to a covered event, such as a fire or storm, your policy may cover the abatement as part of the necessary repairs. For example, if a storm damages your roof and an insurance adjuster discovers asbestos while inspecting the damage, the policy might pay for the removal cost. If removal is not covered and is outside your budget, you might consider encapsulating the asbestos. The viability of this option depends on the condition of the contaminated materials. It is recommended to speak with an asbestos abatement specialist to understand your options.

Scraping off asbestos siding is extremely dangerous. When asbestos is inert, it does not pose a risk, but once disturbed, the fibers enter the air that you breathe and can cause irreparable damage. Professionals may scrape it off, but they will have more protective equipment and specialized tools that most homeowners do not have on hand.

Asbestos is a carcinogen, meaning it increases the risk of cancer. Inhaling asbestos fibers is linked to several respiratory issues, including asbestosis, or scarring on the lungs, lung cancer, and mesothelioma, another type of cancer. There's also a link between asbestos exposure and an increased risk of colon cancer and other cancers of the digestive system.

Usually, the people most at risk for disease related to asbestos exposure are those who spend a lot of time working around the material without protection. Electricians who work with asbestos wire have a higher risk of developing mesothelioma or lung cancer due to their exposure.

Although the use of asbestos has declined since the 1980s, it remains in several different types of building construction materials for insulation and as a fire retardant. Typically, asbestos can be found in materials such as ceiling and floor tiles, heat-resistant fabrics and coatings, and roof shingles. You may also find asbestos in textured paint and patching compounds.