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Lead toxicity comes from inhaling lead or consuming it. Before the 1980s, when the government banned lead from consumer use, it could be found in paint, plumbing, pipes, ceramics, and even gasoline. Lead paint is toxic for the same reason lead itself is toxic, which is why lead poisoning from paint presents the same as lead poisoning from water or food sources, with a slight increase in respiratory symptoms vs. digestive symptoms. Lead paint is most dangerous when it’s old and peeling, cracking, or otherwise disturbed. This increases the concentration in the air and, therefore, in breathable air. 

If your roof was constructed between 1930 and 1970, there’s a possibility that the shingles contain asbestos. If that’s the case, you should hire a professional for repairs and replacement, as they’ll have the necessary equipment to stay safe from such a hazardous and cancer-causing substance. If your home was constructed after this period, it’s unlikely that the shingles in place are toxic. In most cases, asbestos shingles are not recyclable, while standard asphalt shingles are recyclable.

The best way to remove lead paint is by wet hand sanding and removing all dust and residue with a HEPA vacuum. Professionals may also strip and scrape lead-based paint with a paint scraper. In some cases, you may choose to have a pro encapsulate or enclose your lead-based paint surface by covering it with a sealant or a new material. You may also choose to replace the material altogether.

No. Standard homeowners insurance does not cover any kind of lead remediation, focusing instead on sudden, unpreventable events like fires and theft. Many insurance companies will specifically exclude lead paint removal, since it tends to be an expensive and unavoidable project. The exception is if the lead surface is damaged during a covered event (like a flood) and homeowners insurance pays its replacement.