The short answer
Voluntary asbestos abatement is excluded — it's a maintenance issue. But if a covered loss (fire, water damage, tornado) requires disturbing asbestos to repair, the abatement cost is 'reasonable cost to repair' and typically paid, subject to any pollution-cleanup sub-limit ($10K–$25K).
Frequently asked
- What about lead paint disturbance?
- Same rule — reasonable cost of remediation if disturbed by a covered loss, otherwise excluded.
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