Homeowners across California are increasingly choosing to pay out-of-pocket for asbestos abatement and lead removal instead of filing an insurance claim. At Environmental Remedies, Inc. (ERI), we’ve seen a significant rise in clients who want to avoid higher premiums, slow insurance timelines, or the risk of policy non-renewal.
If you’ve discovered asbestos, lead-based paint, or another hazardous building material, here’s why handling the remediation privately may be a smart choice — and how to ensure you hire a licensed, reputable abatement contractor you can trust.
Why Homeowners Avoid Filing Insurance Claims for Asbestos or Lead Abatement
1. Preventing Insurance Rate Increases
One of the top reasons homeowners avoid filing a claim is to keep insurance premiums from rising. Claims involving environmental hazards can signal a “high-risk property,” leading to increased rates for years.
2. Concern About Being Dropped by Their Insurance Provider
Many clients tell us they’re hesitant to involve insurance because of the possibility of non-renewal. For older homes where asbestos or lead may be discovered more than once, this risk feels too high.
3. Faster Scheduling and Quicker Hazard Removal
Insurance approval processes can slow down remediation by days—or even weeks. Paying directly allows homeowners to begin asbestos removal or lead abatement immediately, minimizing exposure risk.
4. Projects Are Often More Affordable Than Expected
For small to mid-sized projects, the out-of-pocket cost is often less than homeowners anticipate. Many clients choose this route for convenience, privacy, and long-term cost savings.
When Using Insurance May Still Be Beneficial
Insurance may cover remediation if the hazardous material was uncovered due to:
- Water damage
- Storm damage
- A sudden accident
- A covered structural event
ERI always recommends reviewing your policy or consulting your insurance agent before deciding.
Top Concern: How to Find a Reputable Asbestos or Lead Removal Company
Homeowners consistently tell us their biggest fear is hiring the wrong contractor. That concern is valid — improper abatement can lead to safety violations, contamination, failed inspections, or even legal issues.
Here’s how to choose the best asbestos or lead abatement company for your home:
1. Verify Licensing and Certifications
Always confirm your contractor is:
- State-licensed for asbestos abatement and lead removal
- OSHA-certified
- Trained in hazardous-material containment
- Able to provide documentation on request
ERI meets all state and federal requirements for safe, compliant abatement services.
2. Look for Experience With Your Specific Hazard
The contractor should explain:
- What materials contain asbestos or lead
- How the area will be safely contained
- What equipment will be used
- How final clearance testing will be performed
ERI has completed thousands of asbestos and lead abatement projects throughout California.
3. Demand Transparent, Itemized Pricing
Especially when paying out-of-pocket, you need:
- A detailed, written estimate
- Transparent scope of work
- No surprise charges
ERI provides clear, itemized pricing so homeowners understand exactly what they’re paying for.
4. Check Reviews, Reputation, and Years in Business
A reputable company will have:
- Verified customer reviews
- Strong Google ratings
- Testimonials
- A long-standing presence in the community
ERI has been trusted by California homeowners, contractors, and insurance partners for over 20 years.
Should You File Insurance or Pay Out-of-Pocket?
Paying privately for asbestos or lead abatement offers benefits like:
- Lower long-term insurance costs
- Faster start times
- Greater privacy
- Reduced risk of policy-related problems
But every home and situation is unique. ERI helps homeowners make an informed decision by explaining costs, timelines, and safety requirements upfront.
Need Safe, Licensed Asbestos or Lead Abatement? ERI Is Here to Help.
Whether you’re filing through insurance or managing the cost yourself, choosing the right licensed contractor is the most important step. Environmental Remedies, Inc. provides:
- Fully licensed asbestos and lead abatement
- Safe containment and removal
- Clear, transparent pricing
- Experienced teams serving California homeowners
- Fast scheduling for urgent hazards
Protect your home & your health. Call ERI today to schedule a consultation or request an estimate.
