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Asbestos was commonly used in cloth wiring, but not all types of cloth wiring contain it. The age, condition, and appearance of the wiring can provide clues as to whether asbestos is present or not, but the only way to know for sure if the wiring has asbestos is to have it tested.

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.

According to the National Cancer Institute, asbestos-related diseases can take anywhere from 10 to 40 years for symptoms to appear. The health risks increase with prolonged and heavier exposure. Risk factors also include:

• Amount of exposure

• Chemical makeup, size, and shape of the asbestos fibers

• Length of time a person is exposed to asbestos

• Genetic factors 

• Source of exposure (direct exposure or secondhand exposure from someone directly exposed)

Yes, even a single, one-time exposure to asbestos can be harmful and increase the risk of future illness, including certain diseases and cancers. The level of risk depends on several factors, such as the concentration and intensity of the exposure. A small, brief exposure is less likely to cause significant damage than an exposure to a high concentration of asbestos fibers.

The likelihood of developing severe health issues increases with repeated or prolonged exposure. Individual reactions to asbestos vary; some people may have multiple exposures without harm, while others are more susceptible. Asbestos-related illnesses may not manifest for 10 to 40 years after inhalation.

Due to these risks, it is crucial to take precautions. Personal protective equipment (PPE) may not offer complete protection, as fibers can get through small gaps. The EPA recommends hiring a professional for testing and removal if you suspect the presence of asbestos in your home. If you are concerned about a potential exposure, consult your doctor.