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Lead Testing and Removal questions, answered by experts

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.

DIY kits are available for basic air quality testing, but professional services provide more comprehensive results and recommendations. While a DIY kit may seem cost-effective, a professional assessment is more thorough. Inspectors are better equipped to catch all pollutants and hazards, and you'll still need a professional to verify and act on DIY test results. Furthermore, some kits don't test for certain pollutants or only detect their presence without measuring specific levels (like mold spores). It's generally better to opt for a detailed professional assessment.

Iron sediments from rusty pipes are not likely to cause health problems. While a glass of yellow-hued water is off-putting, it is generally safe to drink yellow water in the short term. But you certainly want to address this problem. In the meantime, switching to bottled water until the yellow water issue is resolved is a good idea. 

Some of the signs that could mean your water is contaminated, such as cloudiness or bubbliness, could also be non-problems that don’t affect your water’s potability. However, if your water smells or tastes strange, it’s a good idea to stop drinking it and test it immediately. If your well water is contaminated, the best way to discover that is to test it.

While not all homes built before 1978 contain lead paint, enough do, so you’ll still want to test to be on the safe side. The federal government banned lead-based paint for homes in 1978, but your state may have banned lead before that time. Around 24% of homes built between 1960 and 1977 contained lead-based paint, while 87% of homes built before 1940 contained lead-based paint.

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