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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.

Asbestos is a carcinogen, meaning it increases the risk of cancer. Inhaling asbestos fibers is linked to several respiratory issues, including asbestosis, or scarring on the lungs, lung cancer, and mesothelioma, another type of cancer. There's also a link between asbestos exposure and an increased risk of colon cancer and other cancers of the digestive system.

Usually, the people most at risk for disease related to asbestos exposure are those who spend a lot of time working around the material without protection. Electricians who work with asbestos wire have a higher risk of developing mesothelioma or lung cancer due to their exposure.

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.

If the tiles are undamaged and in good condition, painting can be a safe method of encapsulating them, but it is important first to evaluate the state of the tiles before proceeding. If the tiles are deteriorating, damaged, or already loose, simply painting over them fails to address the underlying issues that can cause asbestos exposure. It is recommended to consult asbestos abatement experts in such situations to identify the best way to safely manage or remove the asbestos-containing materials. During the painting process, it is crucial to adhere to safety regulations and guidelines to reduce the potential health risks associated with asbestos exposure.