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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.

Asbestos siding can be dangerous, but it doesn't necessarily pose a health risk if it's in good condition and left undisturbed. The danger comes from inhaling asbestos fibers, which can be released if the siding is damaged, deteriorating, crumbling, or disturbed during remodeling or repairs. Exposure to these airborne fibers can cause serious, life-threatening diseases like asbestosis (lung scarring), mesothelioma (an aggressive cancer), and other lung cancers.

If your asbestos siding is intact, the general recommendation is to leave it alone. However, if it's damaged or you plan to renovate, it's crucial to handle it safely. Due to the significant health risks and the difficulty of containing the fibers, it is not recommended to perform any asbestos work yourself. Instead, you should hire a professional asbestos removal company to inspect, repair, encapsulate, or remove the material. The presence of asbestos can also negatively impact your property's value.

Depending on the size of your home, the inspection process could take a few hours or a few days. While inspecting your home, the asbestos specialist will take small sections of the potentially contaminated material. They will then send the sample to an accredited laboratory or the local health department for testing. 

The cost of asbestos testing depends on your location, the home's size, and the testing area's complexity. Plan to spend between $230 and $800 for testing. During testing and while handling potential asbestos, the specialist may wear protective gear, including gloves, overalls, appropriate footwear, and respiratory equipment.

No, an N95 mask will not protect against asbestos and many other hazardous materials, such as carbon monoxide, gas, chemical vapors, and other gases. You will need a respirator specifically designed to protect against asbestos. However, if you suspect asbestos is present in your home, hire an asbestos abatement professional immediately and avoid the area until they arrive for the inspection.