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Asbestos siding can be dangerous, but it doesn't necessarily pose a health risk if it's in good condition and left undisturbed. The danger comes from inhaling asbestos fibers, which can be released if the siding is damaged, deteriorating, crumbling, or disturbed during remodeling or repairs. Exposure to these airborne fibers can cause serious, life-threatening diseases like asbestosis (lung scarring), mesothelioma (an aggressive cancer), and other lung cancers.

If your asbestos siding is intact, the general recommendation is to leave it alone. However, if it's damaged or you plan to renovate, it's crucial to handle it safely. Due to the significant health risks and the difficulty of containing the fibers, it is not recommended to perform any asbestos work yourself. Instead, you should hire a professional asbestos removal company to inspect, repair, encapsulate, or remove the material. The presence of asbestos can also negatively impact your property's value.

While asbestos can’t be directly absorbed through the skin—the fibers are too big—skin contact can still produce symptoms. Contact dermatitis can flare up in sensitive individuals but in most cases, the danger from asbestos comes from inhaling the fibers, or dust, that is produced when asbestos is disturbed. If you touch asbestos by accident, immediately wash yourself and your clothes.

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.

Federal and state grants for asbestos testing and removal do exist and can help homeowners with the associated costs. In some cases, local housing grants help homeowners who have to remove asbestos as part of home repairs. The U.S. Environmental Protection Agency (EPA) also provides funding to help schools manage asbestos removal, but it doesn’t extend to homeowners.