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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.

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.

Several different measurements may be used to determine the amount of lead in water. The most common unit of measurement is micrograms per liter (µg/L), which is the same as parts per billion. Another measurement is milligrams per liter (mg/L), which is the same as parts per million.

You can paint over lead paint, or “encapsulate” it with a special paint that includes an ingredient called an encapsulant. The EPA approves encapsulation as a lead paint removal method as long as the paint remains undisturbed. Standard types of paint without an “encapsulant” from the big box stores or hardware stores do not meet EPA standards for remediation of lead-based paint.

Exterior paint contains a higher level of VOCs, which can be dangerous if you’re exposed to it for a long period of time. The good news is that paint’s toxicity reduces significantly once fully dried and cured. Do not keep open exterior paint cans in your home, basement, or garage, exposing your household to harmful chemicals over time.

The Almond, WI homeowners’ guide to lead testing and removal services

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