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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.

Professional asbestos testers or environmental consultants are the best people to call to test for asbestos. An asbestos testing company specializes in collecting and analyzing samples and will be the most qualified to do the job for you. An environmental consultant may not specialize in handling asbestos, but should still have the knowledge and know-how to safely collect a sample and send it off for analysis.

Asbestos was most commonly produced and integrated into building products from the 1920s to the late 1980s. In reality, asbestos use should have ceased much sooner because asbestos was linked to cancer in studies produced as early as the 1950s. You can even extend that number past the 1980s due to stockpiled materials and because some countries treat asbestos use differently. It may also be found more in commercial applications than residential.

Since DIY asbestos removal isn’t the best option to save money, there are other steps that you can take to help cut costs when dealing with this project. After speaking with your asbestos removal expert, discuss if encapsulation is an option. If it is, you can save between 15% to 25% on overall project costs over demolition and disposal. In addition, when speaking with your professional, discuss if there are any tax credits available for your removal project. Finally, check with your homeowner’s insurance to see if any removal costs might be covered. However, be aware that this is usually only applicable if the asbestos is due to a covered incident, like a tree falling into your roof.