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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.

Homeowners’ insurance doesn’t often cover the cost to remove asbestos siding, which averages about $2,900. Insurance policies treat the removal of asbestos siding as regular home maintenance, which insurance doesn’t cover. If your siding suffers damage in a storm, though, it’s possible the insurer may cover the replacement cost, even if the damaged siding contains asbestos.

Asbestos-containing materials are not easily affected by water and do not disintegrate or dissolve when exposed to it. However, porous materials can deteriorate due to water exposure, leading to the release of asbestos fibers into the air. The settling of asbestos fibers can also occur as water makes them heavy, which reduces the risk of airborne exposure, though future disturbance of the materials could cause risk. Wetting asbestos-containing materials does not constitute safe removal, and the proper handling and disposal of asbestos materials should be left to professionals.

The four types of hazardous waste are items that are ignitable, corrosive, reactive, and toxic. Examples include gasoline, car batteries, aerosol cans, and lead-based paint, respectively.