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Asbestos siding on its own doesn’t present a health risk. Asbestos fibers only become airborne when you disturb the material. As long as the siding is in good condition, it shouldn’t release dangerous fibers into the air. If you’re ready to replace the siding anyway or if it’s in poor condition, hire a local asbestos removal contractor to remove, repair, or cover it safely.

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.

Since the EPA partially banned asbestos use in 1989, it is not commonly used in siding in the United States. Many other countries, such as Iceland, Canada, and Denmark, also have bans on asbestos. However, asbestos siding is still present in homes built before the late 1980s. Remember, the only surefire way to know if your home or siding contains asbestos is to have it lab-tested by a professional.