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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 is crucial in older homes to eliminate risks of lead poisoning, which can severely affect health, particularly in children, by impacting development and cognitive functions.

Some causes of brown well water—like excess tannins or dissolved iron—don’t pose a health risk. In other cases, harmful bacteria might be the culprit. If your well water has suddenly turned brown, it’s a good idea to use a home water test kit to get a better sense of what’s going on with your water. Consider calling a professional for an expert opinion before drinking the water and hoping for the best.

Several different measurements may be used to determine the amount of lead in water. The most common unit of measurement is micrograms per liter (µg/L), which is the same as parts per billion. Another measurement is milligrams per liter (mg/L), which is the same as parts per million.

You can paint over lead paint, or “encapsulate” it with a special paint that includes an ingredient called an encapsulant. The EPA approves encapsulation as a lead paint removal method as long as the paint remains undisturbed. Standard types of paint without an “encapsulant” from the big box stores or hardware stores do not meet EPA standards for remediation of lead-based paint.

The Billings, OK homeowners’ guide to lead testing and removal services

From average costs to expert advice, get all the answers you need to get your job done.