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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.

Structural problems with the foundation or roof, water damage, and significant plumbing or electrical issues are all considered major red flags in a home inspection. Of these, a structural problem related to the foundation is often the most severe. Foundation repairs are typically the most expensive and intrusive to carry out, averaging around $5,000 but sometimes reaching up to $16,000. Because these problems can pose safety risks and be costly to fix, you should ask your inspector detailed questions about any identified issues. You will need to carefully consider how major problems affect what you’re willing to pay for the home, or if you want to proceed with the sale at all.

How you test for lead in your water depends on the source of your home's water supply. If you have municipal water, your local water system may offer to test the water for free or may connect you to a lab that will perform the testing.

If you have a private well that provides drinking water, you are responsible for testing it for lead. Look for a lab that is accredited by your state's Department of Environmental Protection to perform the test.

DIY lead testing kits are available, but they often lack the accuracy and reliability of professional services. Professional testing is recommended for more accurate results, as properly certified testers can provide a thorough analysis, clear recommendations, and the necessary legal documentation if remediation is required.