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Asbestos Removal questions, answered by experts

Typically, homeowners insurance does not cover asbestos removal or abatement. Most policies exclude coverage for pollutants, contaminants, and hazardous materials, which includes asbestos. Because asbestos is often considered a pre-existing condition in older homes, its removal is usually viewed as a maintenance expense rather than an insurable loss. However, there is a key exception: if asbestos-containing materials are discovered or disturbed due to a covered event, such as a fire or storm, your policy may cover the abatement as part of the necessary repairs. For example, if a storm damages your roof and an insurance adjuster discovers asbestos while inspecting the damage, the policy might pay for the removal cost. If removal is not covered and is outside your budget, you might consider encapsulating the asbestos. The viability of this option depends on the condition of the contaminated materials. It is recommended to speak with an asbestos abatement specialist to understand your options.

Although the use of asbestos has declined since the 1980s, it remains in several different types of building construction materials for insulation and as a fire retardant. Typically, asbestos can be found in materials such as ceiling and floor tiles, heat-resistant fabrics and coatings, and roof shingles. You may also find asbestos in textured paint and patching compounds.

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. 

if you install new siding on top of old asbestos siding, you may keep the fibers trapped, but it would not necessarily be considered encapsulation. To do so properly requires a professional, who uses a certain type of sealant that needs to be spread over the asbestos in a number of layers in order to trap all the fibers. Although you may be able to buy this sealant yourself, it is highly advised that, once you find asbestos, you call a pro immediately. 

Performing abatement for asbestos means the contractor removes or encapsulates the asbestos to protect your family’s health. The term abatement refers to the steps required to keep asbestos fibers from moving into the air. Understanding what asbestos abatement is can help you discuss the case with your contractors by understanding the jargon they use. 

The Forsyth, MO homeowners’ guide to asbestos removal services

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