Asbestos Siding Insurance

Installing vinyl siding will require disturbing the asbestos by nailing into it.

Asbestos siding insurance.

Both the epa and the vinyl siding institute recommend not disturbing asbestos if at all possible. If it is asbestos you should have a talk with your real estate agent and possibly lawyer. Mesothelioma and other cancers as well as asbestosis and other lung diseases are a serious danger after continued long term exposure to fibers from asbestos containing materials acms. It also doesn t burn which is great for insurance companies.

The problems insurance companies have with homes sporting asbestos siding include three issues. Intact asbestos siding on your home poses no health risk as long as it is undisturbed. The only possible exception is if the asbestos is exposed as a result of a covered peril like wind damage. Also we recommend that if you do have to remove or disturb the siding for any reason never do the work yourself.

In certain parts of the country major insurance providers are refusing to insure homes where asbestos is present not wishing to assume the risk associated with the mineral which can cause cancer when its fibers are inhaled. For the most part asbestos isn t covered by homeowner s insurance. Unfortunately some insurance companies will not insure a home with asbestos siding so it may increase the difficulty and cost of acquiring homeowner s insurance. Asbestos siding is also non friable which means it s not releasing dust into the air.

Unless asbestos siding is disturbed it doesn t pose a significant health hazard and does not need to be removed. If you can prove that your siding is something beside asbestos be sure all documentation makes it to your insurance and that is documented on your policy. But whether or not your insurance will cover the bill you should not remove asbestos yourself. If you are absolutely unwilling to have asbestos siding you are legally allowed to remove it yourself from your own home in the state of minnesota.

Since asbestos siding was a common building material form the 1930 s until the 1970 s we have many homes that were constructed or the exterior was upgraded during that era. View entire discussion 13 comments more posts from the homeimprovement community. Homeowners insurance policies have an exclusion for pollution which generally prevents you from being reimbursed for cleaning up pollutants including asbestos in your home. Even though exposure to asbestos can be a major health risk most homeowners insurance policies don t cover removal of asbestos.