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The microscopic asbestos fibers do not cause eye irritation, throat irritation, or lung irritation. If you are inhaling fibers, you will not know it. This lack of immediate symptoms is one of the reasons why asbestos is so dangerous. You cannot know for certain if you are inhaling fibers, which is why you must wear safety gear if you could have any chance of an exposure while working.

In the 1980s, the use of asbestos in house siding materials underwent a significant decline, ultimately being phased out by the mid-1980s to early 1990s. This change was largely due to a growing awareness of the severe health risks associated with asbestos exposure, particularly its link to lung diseases and cancers. With increased public concern and regulatory agency involvement, building codes and regulations were updated to restrict the use of asbestos in construction materials. 

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.

If asbestos is found, it is crucial to consult with a professional. They will provide recommendations for appropriate abatement actions, which may include safe removal, containment, sealing, or enclosure. All actions must be planned and executed in accordance with local regulations for handling asbestos.