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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.

The average cost of a lead paint inspection is about $600, but it can cost as low as $150 or as much as $800, depending on the size of the area, geographic location, and the inspection methods. Some of the most common lead paint inspection methods include:

  • Visual inspection: $150–$400

  • Paint sampling: $200–$600

  • X-ray fluorescence (XRF): $250–$700

  • Risk assessment: $300–$800

Lead testing prior to purchasing a property ensures that the new owners are informed about potential hazards, prevents health risks associated with lead poisoning, and facilitates timely remediation.

Iron sediments from rusty pipes are not likely to cause health problems. While a glass of yellow-hued water is off-putting, it is generally safe to drink yellow water in the short term. But you certainly want to address this problem. In the meantime, switching to bottled water until the yellow water issue is resolved is a good idea. 

“Testing” can start with your senses: Assessing your water’s appearance, taste, and smell can all be good first steps. The best way to know for sure what’s going on with your water is to use a well water testing kit, which can tell you about the specific levels of bacteria, dissolved solids, and hardness of your water with precision. Have a pro test your well water at least once per year.

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

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