Insurance and Asbestos: What NZ Property Owners Should Be Aware Of

Asbestos is certainly a cause for concern, but not all homeowners are aware of this risk. Although asbestos is not visually apparent, if your home was built before the 2000s, it might be a good idea to have it inspected for asbestos.

Many homes in NZ were built with asbestos-containing materials before it was banned, and if you find that your home does contain asbestos, it’s best to remove it (professionally) as soon as possible. Otherwise, you might be vulnerable to asbestos damage and health issues. However, would these be covered by insurance?

Industrial Demolition answers this question in this blog! Keep reading to find out…

Does Insurance Cover Asbestos in NZ Properties?

Home insurance policies usually do not cover asbestos—in most cases, any loss or liability that is caused by asbestos, including asbestos products and asbestos-containing materials, is not covered. This can also include asbestos removal.

In the meantime, other types of insurance policies might be able to cover asbestos-related costs, including property damage, environmental damage, and bodily injuries. If you are a business owner, you might want to consider environmental and pollution liability coverage.

Always read the fine print carefully when it comes to insurance policies and what you are and are not entitled to.

What to Do if You Need Asbestos Removal…

If you own or plan to buy an older building, it is crucial that you save up some money for potential asbestos-related expenses. This includes asbestos inspection fees and asbestos removal costs. While it might seem like an investment that you don’t necessarily need, particularly if you feel that you aren’t directly affected by the asbestos within your property, asbestos is a harmful mineral that poses a threat to both your property and your health.

For asbestos removal contractors that you can rely on, Industrial Demolition has got you covered. If you believe that your house is contaminated with asbestos, you can count on our expert team to safely and efficiently remove asbestos from your property. Get the job done right and protect your family and home with our asbestos removal solutions. Get in touch with us today for more information.

HOW TO SPOT ASBESTOS AND WHAT TO DO ABOUT IT

Asbestos is a building material that used to be used regularly in construction throughout the world. It was popular due to its fire-resistant properties, its insulation qualities, and its ability to protect against corrosion. This naturally made it a go-to material on building sites for many years. However, asbestos was banned in New Zealand in the early 1980s, when it was discovered that exposure to asbestos dust—the small fine particles the material sheds as it ages or when it’s disturbed—can lead to serious health issues.

Sadly, due to the fact it was used so extensively, there are still plenty of buildings in New Zealand that have asbestos in them. Due to this, it’s important to learn how to spot asbestos in different circumstances and what to do about it if you find it.

What is Asbestos?

Asbestos is the name given to a group of naturally occurring fibrous silicate minerals that are resistant to fire and corrosion. There are six types of asbestos, all of which are made of long and thin fibrous crystals. Each fibre is made up of many fibrils—miniature fibres that can be released into the atmosphere through abrasion or disruption. If you breathe these in, it can cause several debilitating and life-threatening lung conditions including asbestosis, mesothelioma, and lung cancer.

How to spot Asbestos

Unfortunately, many different products from the past contain asbestos and as such, it can take on many guises.

In its most basic form—before it is applied or used for any purpose—asbestos is either grey, greyish blue or greyish brown. It often has a fluffy appearance and comes in loose clumps. These clumps can separate into thin strands which are made up of thousands of microscopic asbestos fibres. If these are dislodged, they can easily be inhaled.

Asbestos is often identified by its different colours.

Crocidolite Asbestos: This form is light blue and is made up of long thin fibres. This type of asbestos is the most dangerous to human health.

Amosite Asbestos: This is brown and is the most likely variant to cause cancer. Many building materials from the early 20th Century used this kind of asbestos.

Chrysotile Asbestos: This is white and has curly fibres. When used in materials, these fibres are often layered. Again, this is a very common form of asbestos and can be found in numerous kinds of building materials.

Asbestos can come as friable and non-friable. The non-friable variety is more stable and doesn’t release particles so easily. Friable asbestos is easily disturbed and crumbles under a small amount of pressure.

Where to find Asbestos

Many residential and commercial buildings contained asbestos if they were built before 1984. As such, if you are in a building built before that time, you need to take particular care. If you are in any doubt, it’s best to call out asbestos removal contractors. However, here are just some of the places you may find it:

  • Sprayed on walls, beams, ceilings, and columns.
  • Roof tiles are normally marked to indicate they contain asbestos. However, only every second tile was marked, so make sure you check a few.
  • In lagging and insulation that’s wrapped around boilers, pipes, cement water tanks, fire blankets, etc. This insulation comes in two types—Vermiculite insulation and asbestos pipe insulation. Vermiculite insulation is a loose-fill asbestos and because it’s uncontained and easily disturbed, it’s particularly dangerous.  Vermiculite often looks like silver or brown pebbles. Meanwhile, asbestos pipe insulation looks a little like white or silver corrugated cardboard.
  • Vinyl floor tiles often contain asbestos, as can old toilet seats and cisterns. If the tiles seem a little thicker than normal or have an oily discolouration to them, this could indicate asbestos. If they are stuck down with black mastic, this could also mean it’s present.
  • Asbestos water tanks are hard to identify and as such, it’s important you call out asbestos removal contractors to ensure your tank doesn’t contain it.
  • Asbestos insulating boards (AIB) were popular in old properties. These were used in interior walls, ceiling tiles, around boilers, in fire doors, around fuse boxes or in airing cupboards. They could also be found in soffits.

As you can see, there are a lot of places to consider when checking for asbestos.

What should you do if you find Asbestos?

You should call out asbestos removal contractors if you think you have found asbestos. They can analyse it for you, confirm if your assumptions are correct, and then advise you on what to do about it.

If you need asbestos removal contractors then please get in touch. We will safely remove the product from your building and leave you feeling safe and reassured.

The Importance of Removing Asbestos

Asbestos was once used in construction and household items until the 1970s. At this time, the real dangers of the material to people’s health became apparent and so many had the asbestos removed. However, despite this, some buildings still contain asbestos without the owner’s knowledge. It isn’t until repairs or construction is carried out that the asbestos is discovered.

Asbestos is Still Present

Because asbestos is an extremely toxic substance, it is vital that you get it removed as soon as possible. A company offering demolition services in Auckland can help you identify and remove the asbestos safely. It is always a good idea to get your property checked for asbestos if it is an old property.

Asbestos is Harmful to Your Health

Asbestos fibres can be extremely damaging to your health. While the asbestos is in place, it is best to leave it where it is and get a specialist contractor to remove it. The removal process can release the fibers which can be harmful if not removed safely.

Asbestos has been linked to a number of serious health conditions including lung cancer, asbestosis, and mesothelioma. For this reason, any asbestos that is discovered needs to be removed.

Protection of Builders and Contractors

If your property is undergoing restoration or demolition services in Auckland, then you need to test for asbestos and identify any potential issues. This is vital because the asbestos must not be disturbed until it can be safely removed by a trained team.

Removal of the asbestos without safety procedures will risk the health of you and your builders who are working on your property.

Protection of the Public

If your property has members of the public visiting, or you have a workforce that works in the building, then you have a duty of care to protect them from risk. This means if you are having building work carried out, you should have the building tested for asbestos before work begins.

This test will ensure that everyone is protected from the dangers of asbestos if it is found in the building.

Conclusion

Asbestos is a highly toxic substance that needs to be carefully and safely removed so that it poses no risk to health. Why not give us a call today so we can assess your property and keep everyone safe?