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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.

Epoxying over asbestos tiles is generally considered a safe option when done correctly. Epoxy acts as a sealant, encapsulating the asbestos tiles and preventing the release of asbestos fibers into the air. The key is ensuring that the asbestos tiles are in good condition, firmly adhered to the substrate, and not damaged or deteriorating. This method is only appropriate for tiles that are undamaged and securely in place. If the asbestos tiles are already loose, damaged, or deteriorating, encapsulating them with epoxy may not be a sufficient solution, as it might not address the potential for ongoing asbestos exposure.

If you have an older electrical system with fraying wires and other signs of damage, removal  may be the best course of action. When asbestos begins to break down, it's more likely to become airborne, increasing the risk of health issues when it's inhaled.

However, if the system is in good condition and doesn't have visible signs of wear or damage, leaving it alone may be the safest course of action. An asbestos abatement and removal professional can help you determine the best way to proceed.

No, but it’s common that they do. Gravity furnaces weren’t terribly efficient so wrapping either the ductwork in asbestos, the furnace itself, or both, was something done regularly. This allowed the system to retain more heat. At the time, this greatly enhanced the efficiency of the furnaces but it wasn’t until later that we became aware of just how carcinogenic and dangerous asbestos could be.