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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.

A lead paint inspection is a thorough examination and assessment of a building or structure to determine the presence of lead-based paint. Lead-based paint was commonly used in buildings before 1978 when its health hazards were fully understood. Lead is toxic and can pose health risks, particularly to young children and pregnant women. Getting a lead paint inspection means finding a lead paint inspector to examine the surfaces of the building—such as walls, ceilings, doors, windows, and other painted areas—and identify the presence of lead-based paint.

Services test for allergens, mold, VOCs, and carbon monoxide levels to ensure a healthy indoor environment.

If the lead paint is in a place that is not easily disturbed and is not flaking or deteriorating, you do not necessarily need to remove it. Lead is toxic when dust particles or flakes from peeling lead paint are ingested. If people are not in the area with the lead paint, it may be safe to leave it in place. You still may want to consider encapsulation with a paint formulated for covering lead-based paint, just for an added layer of protection.

With regular testing, treatment, and maintenance, water from a community well should be safe to drink. Unfortunately, the EPA does not regulate private wells, and contamination can happen. 

If you have doubts about the quality and safety of your drinking water, you have options for testing. You can pick up kits from your local home supply store or harvest samples and send them to a local testing facility. To get the most complete water quality testing and system diagnosis, seek a local well professional. They know what to test for and can recommend and implement a longer-lasting solution.

The Armour, SD homeowners’ guide to lead testing and removal services

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