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Asbestos siding on its own doesn’t present a health risk. Asbestos fibers only become airborne when you disturb the material. As long as the siding is in good condition, it shouldn’t release dangerous fibers into the air. If you’re ready to replace the siding anyway or if it’s in poor condition, hire a local asbestos removal contractor to remove, repair, or cover it safely.

Performing abatement for asbestos means the contractor removes or encapsulates the asbestos to protect your family’s health. The term abatement refers to the steps required to keep asbestos fibers from moving into the air. Understanding what asbestos abatement is can help you discuss the case with your contractors by understanding the jargon they use. 

Asbestos-containing materials are not easily affected by water and do not disintegrate or dissolve when exposed to it. However, porous materials can deteriorate due to water exposure, leading to the release of asbestos fibers into the air. The settling of asbestos fibers can also occur as water makes them heavy, which reduces the risk of airborne exposure, though future disturbance of the materials could cause risk. Wetting asbestos-containing materials does not constitute safe removal, and the proper handling and disposal of asbestos materials should be left to professionals.

In most cases, homeowners insurance doesn't cover asbestos abatement. Insurance policies frequently exclude coverage for pollutants, contaminants, and hazardous materials, which include asbestos. It's considered a pre-existing condition in homes built before its ban, so removal is seen as a maintenance expense rather than an insurable loss. There may be an exception if the asbestos-containing materials are disturbed due to a covered event, such as fire or storm damage. Some policies may cover the abatement as a part of those repairs.