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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.

Lead removal services typically cost between $1,000 and $5,000, depending on the extent of lead presence, the property size, and the complexity of the abatement process.

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.

Costs depend on test type, home size, number of testing locations, and whether follow-up testing is required.

Lead exposure poses serious health risks, particularly for children, and can be present in paint, pipes, and soil.

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The Minot, ND homeowners’ guide to lead testing and removal services

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