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In most cases, homeowners insurance doesn't cover asbestos abatement. Insurance policies frequently exclude coverage for pollutants, contaminants, and hazardous materials, which include asbestos. It's considered a pre-existing condition in homes built before its ban, so removal is seen as a maintenance expense rather than an insurable loss. There may be an exception if the asbestos-containing materials are disturbed due to a covered event, such as fire or storm damage. Some policies may cover the abatement as a part of those repairs.

Epoxying over asbestos tiles is generally considered a safe option when done correctly. Epoxy acts as a sealant, encapsulating the asbestos tiles and preventing the release of asbestos fibers into the air. The key is ensuring that the asbestos tiles are in good condition, firmly adhered to the substrate, and not damaged or deteriorating. This method is only appropriate for tiles that are undamaged and securely in place. If the asbestos tiles are already loose, damaged, or deteriorating, encapsulating them with epoxy may not be a sufficient solution, as it might not address the potential for ongoing asbestos exposure.

When asbestos fibers become airborne, they enter a person's respiratory system. These fibers scar and damage the lungs and often lead to serious cancers like mesothelioma. Like many dangers in the house, asbestos isn’t easy to see when it could be causing serious damage. The amount of time exposed, combined with the person’s tolerance for asbestos inhalation and the amount inhaled, will all contribute to health problems.