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Vermiculite insulation that comes from a particular mine before 1990 is likely to contain asbestos. This is particularly true in the U.S. However, not all types of vermiculite insulation contain asbestos. Since you can't detect the presence of asbestos without special equipment, it's best to assume that the insulation contains the dangerous mineral and to either leave it alone or hire a professional to handle it.

Since DIY asbestos removal isn’t the best option to save money, there are other steps that you can take to help cut costs when dealing with this project. After speaking with your asbestos removal expert, discuss if encapsulation is an option. If it is, you can save between 15% to 25% on overall project costs over demolition and disposal. In addition, when speaking with your professional, discuss if there are any tax credits available for your removal project. Finally, check with your homeowner’s insurance to see if any removal costs might be covered. However, be aware that this is usually only applicable if the asbestos is due to a covered incident, like a tree falling into your roof.  

Whether or not to buy a home containing asbestos is ultimately a decision for the homebuyer, and there are several things to consider. When in good condition and contained, asbestos is unlikely to present a health risk—it’s when those tiny fibers are loose and airborne that they become a problem. Consider any renovations you plan on doing to the home that could disturb existing asbestos and the cost of removal. If an inspection finds asbestos in a home on the market, you could negotiate with the seller for a lower price, though this isn’t a sure thing.

Through air sampling devices and surface swabs in key areas of concern.