Homeowners insurance is a type of policy that protects your home and belongings from various risks. While it covers many things, when it comes to pollutants like Asbestos, it usually doesn’t. Asbestos was a dangerous material used in building homes many years ago. If it’s disturbed, it can release harmful particles into the air. This article will help you understand when your insurance might cover asbestos removal, what Asbestos is, why it’s dangerous, and how to handle it if you find it in your home.
When does Homeowners Insurance cover Asbestos Removal?
Most homeowners insurance excludes coverage for the removal of pollutants, including Asbestos. However, there are specific circumstances where your insurance might pay for asbestos removal. This can happen if the Asbestos gets disturbed or exposed due to a covered event, like:
- A tree falling on your house
- Roof damage from heavy snow
- Vandalism that breaks your walls
Your insurance may help pay for removing and cleaning up the Asbestos in these cases. However, you will still need to pay any deductible, and the insurance will only cover up to the policy’s limit.
Why is it Hazardous?
Asbestos is a natural mineral composed of tiny, flexible fibers. It was popular in building materials due to its strength, durability, and fire resistance. Many homes constructed in the mid-20th century frequently used Asbestos in various parts of the house, such as:
- Siding
- Insulation
- Roofing
- Vinyl floor tiles
- Ceiling tiles
- Around pipes
- Certain paints and plasters
- Cement
- Areas around stoves and fireplaces
When intact and undisturbed, Asbestos usually doesn’t pose a threat. However, if damaged or disturbed, it can release fibers into the air. Breathing these fibers can lead to serious health issues over time, including cancer, mesothelioma, and lung diseases.
How Can I Determine if My House Contains Asbestos?
If your home was built many years ago, it might contain Asbestos. Here are some places Asbestos might be found:
- Exterior siding
- Wall and attic insulation
- Roofing materials
- Vinyl floor tiles
- Ceiling tiles
- Insulation around pipes
- Certain paints and plasters
- Cement
- Areas around wood-burning stoves, fireplaces, and boilers
It’s easier to tell if Asbestos is present with professional testing. If you suspect your home contains Asbestos, hiring a professional to inspect it is best. If the Asbestos is undisturbed and in good condition, it’s often safer to leave it alone. However, if it makes you uncomfortable, consider removing it, even though it can be costly and may not be covered by your insurance.
Is It Safe to Remove Asbestos on My Own?
Removing Asbestos on your own is not safe and is highly discouraged. The process requires special training and equipment to safely remove and dispose of the Asbestos. Professionals trained in asbestos abatement know the proper safety protocols and have the tools to handle the material safely. Removing Asbestos without the proper knowledge and equipment can expose you and your family to serious health risks.
Pro Tip for Home Projects
If you plan to do any work on your house, consider the risk of Asbestos before starting. This includes ripping tiles, knocking down walls, or drilling into ceilings. If you suspect your home might contain Asbestos, get a professional inspection before beginning your project. Even if you’re a seasoned DIY enthusiast, leaving asbestos-related work to experts is best to avoid health risks.
Final Thoughts
Homeowners insurance typically doesn’t cover asbestos removal unless the Asbestos is disturbed by a covered event. Asbestos is a hazardous material commonly used in homes built before 1980. It can cause severe health issues if its fibers are inhaled. Identifying Asbestos requires professional testing, and trained specialists should always do its removal. If you suspect your home has Asbestos, it’s best to get it inspected by a professional to ensure the safety of your household.
FAQs
How can I minimize the risk of asbestos exposure in my home?
To minimize the risk of asbestos exposure, avoid disturbing materials that may contain asbestos, such as insulation, ceiling tiles, and flooring. If you suspect asbestos, have your home inspected by a professional, and consider having any asbestos-containing materials safely removed or encapsulated.
Can asbestos affect my home’s resale value?
Yes, the presence of asbestos can affect your home’s resale value. Potential buyers may be concerned about the health risks and the cost of removal. Providing documentation of professional asbestos testing and any remediation work can help alleviate these concerns.
Is there a difference between asbestos abatement and asbestos removal?
Yes, asbestos abatement involves steps to manage and contain asbestos without necessarily removing it, such as encapsulation or enclosure. Asbestos removal, on the other hand, involves completely eliminating asbestos materials from the property.
What should I look for in a licensed asbestos removal contractor?
When hiring a licensed asbestos removal contractor, look for someone with proper certification, experience, and good reviews. Ensure they follow all safety regulations and provide a clear plan for removal, disposal, and post-removal testing.
Get the right coverage for your home with tutenagency
New tutenagency customers?
Quote homeowners insurance online or call (334) 502-5111 to insure your home.
Legal Disclaimer: ADVERTISING MATERIAL ONLY. Do not rely on this site or this article for legal or financial advice. The information provided on 210agency.com is strictly for educational purposes and to provide you with general educational information. Since state laws and financial regulations are subject to change, please schedule an appointment with an attorney or qualified financial advisor in your area to further discuss your personal situation. This public information is neither intended to, nor will it, create an attorney-client or financial representative relationship.
