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Lead Testing and Removal questions, answered by experts

No. Standard homeowners insurance does not cover any kind of lead remediation, focusing instead on sudden, unpreventable events like fires and theft. Many insurance companies will specifically exclude lead paint removal, since it tends to be an expensive and unavoidable project. The exception is if the lead surface is damaged during a covered event (like a flood) and homeowners insurance pays its replacement.

A lead paint inspection is a thorough examination and assessment of a building or structure to determine the presence of lead-based paint. Lead-based paint was commonly used in buildings before 1978 when its health hazards were fully understood. Lead is toxic and can pose health risks, particularly to young children and pregnant women. Getting a lead paint inspection means finding a lead paint inspector to examine the surfaces of the building—such as walls, ceilings, doors, windows, and other painted areas—and identify the presence of lead-based paint.

Lead removal is crucial in older homes to eliminate risks of lead poisoning, which can severely affect health, particularly in children, by impacting development and cognitive functions.

A professional indoor air quality inspection takes anywhere from one to three hours, depending on the size of your home and the number of necessary samples. After the test, the specialist will discuss the findings, but you won’t get a full written report for 2 to 10 days, though you can ask your pro to expedite the process, if needed. 

You can paint over lead paint, or “encapsulate” it with a special paint that includes an ingredient called an encapsulant. The EPA approves encapsulation as a lead paint removal method as long as the paint remains undisturbed. Standard types of paint without an “encapsulant” from the big box stores or hardware stores do not meet EPA standards for remediation of lead-based paint.

The Garysburg, NC homeowners’ guide to lead testing and removal services

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