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Vermiculite insulation that comes from a particular mine before 1990 is likely to contain asbestos. This is particularly true in the U.S. However, not all types of vermiculite insulation contain asbestos. Since you can't detect the presence of asbestos without special equipment, it's best to assume that the insulation contains the dangerous mineral and to either leave it alone or hire a professional to handle it.

According to the Environmental Protection Agency (EPA), you should contact the following officials to report a case of asbestos exposure:

• Asbestos subject matter experts in your state 

• EPA regional office

• Toxic Substances Control Act (TSCA) Assistance Information Service Hotline via mail, email, or phone

• EPA’s Asbestos Ombudsman via phone or fax 

Depending on the size of your home, the inspection process could take a few hours or a few days. While inspecting your home, the asbestos specialist will take small sections of the potentially contaminated material. They will then send the sample to an accredited laboratory or the local health department for testing. 

The cost of asbestos testing depends on your location, the home's size, and the testing area's complexity. Plan to spend between $230 and $800 for testing. During testing and while handling potential asbestos, the specialist may wear protective gear, including gloves, overalls, appropriate footwear, and respiratory equipment.

Even a single, one-time exposure to asbestos can be harmful and pose health risks. According to the EPA, any contact can increase the risk of developing asbestos-related diseases and certain types of cancer, although the likelihood of severe health issues increases with repeated or prolonged exposure.

The severity of a single exposure depends on factors like the duration, intensity, and concentration of the asbestos fibers. While a small amount is less likely to cause significant damage, a high concentration can lead to serious long-term lung damage. Individual reactions vary, and asbestos-related illnesses may not appear for 10 to 40 years after inhalation.

Given these risks, always take precautions around any material suspected to contain asbestos. Personal protective equipment (PPE) may not be completely effective. If you suspect asbestos is in your home, hire a professional for testing and removal. If you are worried about a potential exposure, consult your doctor.