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Lead Testing and Removal questions, answered by experts

Avoid disturbing suspected lead-containing materials and follow professional guidance on sample collection.

Lead exposure poses significant health risks, including neurological, developmental, and behavioral disorders, especially critical in young children and fetuses.

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.

If lead is detected in a property, steps should include arranging for professional removal or containment, notifying all occupants, and implementing interim safety measures to reduce exposure.

A DIY kit can lessen the sting that comes with paying for a professional assessment, but these comprehensive tests are true lifesavers. Inspectors are more likely to catch all of the pollutants and hazards in your air. Plus, you’ll still need a professional to verify and act on your DIY test results. 

Some kits don’t include tests for certain air pollutants or only detect their presence, but not their levels (i.e., mold spores). If you’re willing to shell out money for a DIY kit, it’s usually better to stretch your budget slightly higher for a more detailed assessment.

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

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