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Typically, homeowners insurance does not cover asbestos removal or abatement. Most policies exclude coverage for pollutants, contaminants, and hazardous materials, which includes asbestos. Because asbestos is often considered a pre-existing condition in older homes, its removal is usually viewed as a maintenance expense rather than an insurable loss. However, there is a key exception: if asbestos-containing materials are discovered or disturbed due to a covered event, such as a fire or storm, your policy may cover the abatement as part of the necessary repairs. For example, if a storm damages your roof and an insurance adjuster discovers asbestos while inspecting the damage, the policy might pay for the removal cost. If removal is not covered and is outside your budget, you might consider encapsulating the asbestos. The viability of this option depends on the condition of the contaminated materials. It is recommended to speak with an asbestos abatement specialist to understand your options.

In the 1980s, the use of asbestos in house siding materials underwent a significant decline, ultimately being phased out by the mid-1980s to early 1990s. This change was largely due to a growing awareness of the severe health risks associated with asbestos exposure, particularly its link to lung diseases and cancers. With increased public concern and regulatory agency involvement, building codes and regulations were updated to restrict the use of asbestos in construction materials. 

Most manufacturers stopped putting asbestos in linoleum before 1980 due to public concerns about its toxicity. However, the Environmental Protection Agency (EPA) didn’t ban asbestos-containing products until 1989, and a comprehensive ban was not announced until 2024. This means that homes built after 1989 may still have asbestos in their flooring.

Federal and state grants for asbestos testing and removal do exist and can help homeowners with the associated costs. In some cases, local housing grants help homeowners who have to remove asbestos as part of home repairs. The U.S. Environmental Protection Agency (EPA) also provides funding to help schools manage asbestos removal, but it doesn’t extend to homeowners.