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Your standard homeowners’ policy won’t pay for lead paint removal because insurers treat it as a maintenance issue, not a sudden loss. If a covered event like a fire or flood damages a lead-painted wall, the carrier will replace that wall but not cover full abatement. Plan to budget for lead removal yourself, or look into state or local grant programs that offset the cost.
Yes, you can sell, but federal law says you must disclose any known lead paint and share paperwork for past remediation or encapsulation. Honest disclosure protects you from legal trouble and helps buyers understand any work that still needs doing. Many sellers also offer a closing credit to cover future abatement, so talk to your real estate agent about local norms.
Lead paint contains the heavy metal lead, which becomes airborne when the coating chips, peels, or turns into dust. Breathing in or swallowing that dust allows lead to accumulate in your body and can trigger headaches, cognitive delays, organ damage, and other serious issues, especially in children and pets.
Because the danger hides in everyday activities like opening a window or sweeping a floor, complete removal or professional encapsulation is the safest long-term fix.
Plan on spending $200 to $400 on lead inspection costs. A certified tester will scan walls, trim, and other surfaces with an X-ray fluorescence device, zeroing in on high-risk spots throughout your home. The report will spell out where lead is present and how severe it is, giving you the facts you need to budget for removal and keep everyone safe.