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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.

If your roof was constructed between 1930 and 1970, there’s a possibility that the shingles contain asbestos. If that’s the case, you should hire a professional for repairs and replacement, as they’ll have the necessary equipment to stay safe from such a hazardous and cancer-causing substance. If your home was constructed after this period, it’s unlikely that the shingles in place are toxic. In most cases, asbestos shingles are not recyclable, while standard asphalt shingles are recyclable.

Lead toxicity comes from inhaling lead or consuming it. Before the 1980s, when the government banned lead from consumer use, it could be found in paint, plumbing, pipes, ceramics, and even gasoline. Lead paint is toxic for the same reason lead itself is toxic, which is why lead poisoning from paint presents the same as lead poisoning from water or food sources, with a slight increase in respiratory symptoms vs. digestive symptoms. Lead paint is most dangerous when it’s old and peeling, cracking, or otherwise disturbed. This increases the concentration in the air and, therefore, in breathable air. 

The best disposal method for hazardous waste is recycling or donation, if possible. That way, the world can reduce its consumption of raw materials and the volume at which materials have to be treated and disposed of. If recycling or donation is not an option, most waste can be disposed of through landfills or incinerators, but their collection and treatment are separate from regular day-to-day waste disposal.