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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.

The legality of covering asbestos tile with new flooring can vary by location. In some cities, it is not legal to cover asbestos tile due to the risk of causing fibers to become airborne. While a professional method called encapsulation can seal the asbestos in place, it is not always an appropriate solution. In other areas, covering the tile is a legal and reasonable option to prevent fibers from spreading and reduce health hazards. However, the best long-term solution is to have the asbestos professionally and completely removed from your home.

Since the EPA partially banned asbestos in 1989, it is no longer used to manufacture new siding in the United States; production had largely ceased by the early 1980s. Many other countries, such as Canada, Iceland, and Denmark, also have bans on asbestos. However, asbestos siding is still present in many homes built before the late 1980s. The only definitive way to know if your siding contains asbestos is to have it professionally lab-tested.

While there are some sealants designed to be spray-painted over asbestos to encapsulate it, you still want to make sure it’s a specifically designed product for this purpose—not just run-of-the-mill spray paint. Furthermore, be sure you aren’t inadvertently spraying the asbestos fibers around when you take on this project, and as always, be sure to wear the proper protective gear, including a P-100-rated respirator and a disposable body suit, so as not to inadvertently breathe in or spread asbestos fibers.