Fire Insurance For Homes With Lead-based Paint: Health And Remediation – If you’re renovating, repairing, or painting a home built before 1978, federal lead paint laws say your contractor must avoid contamination by taking specific precautions during demolition, construction, and cleanup.
Demolition, sanding and sawing cause a lot of dust, which can be messy and uncomfortable, but is usually not toxic. Unfortunately, in homes built before 1978, renovation dust can contain lead, which is harmful when ingested or inhaled by adults and children, especially those under 6.
Fire Insurance For Homes With Lead-based Paint: Health And Remediation
Risks of lead paint poisoning include learning disabilities, nervous disorders and other health problems. Lead paint laws aim to limit exposure to lead-containing dust and residues.
Preventing Lead Paint Poisoning
Getting water out of your basement and fixing foundation problems are two of the most important things you can do to protect your home’s value and your family’s health.
If more than 6 square meters of the interior of your home or more than 20 square meters of the exterior will be disturbed by a project, your contractor must be certified and trained to follow specific work practices so that there is no contamination with lead.
Check with the Environmental Protection Agency (EPA) for a list of qualified lead safety contractors in your area. Get multiple quotes and ask to see each contractor’s certificate. Find out what lead-safe methods each plans to use and ask for three references from recent projects involving pre-1978 homes. Discuss with each reference.
Although lead paint laws only apply to contractors, it’s wise to protect yourself and your family by following regulations and guidelines when working alone. If you work, call the National Lead Information Center at 800/424-LEAD (5323) and ask for more information.
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Contains the work area. Before starting the renovation, the contractor must isolate the work area so that dust or debris does not leave the area during the project. Anything not necessary for the project should be removed, such as furniture. Anything that cannot be moved, such as built-in cabinets, should be covered with plastic. The contractor will also close and cover all air ducts and close all doors and windows so that dust does not circulate throughout or outside of your home.
Minimize dust. Your certified contractor must take steps to ensure that dust does not travel outside the work area onto clothing, shoes and tools. Sanders, planers and sanders must be equipped with a jacket and a high efficiency particulate air (HEPA) extractor. The contractor may also take other precautions to minimize dust, such as misting surfaces with water prior to sanding.
Clean thoroughly. Your contractor must clean the work area daily. When the project is finished, dust and debris should be removed with a HEPA vacuum. The final cleaning step involves wet mopping and wiping all surfaces, followed by plenty of water to rinse. You should inspect the room to ensure that no dust or paint chips are visible. You can also request that surfaces be tested for lead residue. “Why would I have my home inspected or assessed for lead paint hazards?” Your child has been diagnosed with lead poisoning. The most common source of lead exposure in the home is the deterioration of lead-based paint, which results in deposited dust that young children may encounter. You live in a house built before 1978 where small children live or will live. Lead paint was banned nationally in 1978, some states banned lead paint earlier. You will be remodeling, taking down walls, enlarging a room, etc., anything that will disturb the lead-based paint or generate lead-based paint dust and chips that can harm you and your family. When buying a home, federal law allows the buyer to perform lead testing to determine if lead-based paint or lead-based paint hazards are present. This is especially important if you have or plan to have young children in your home, but what type of lead inspection do you need, lead paint inspection or lead paint risk assessment? If you are concerned about possible lead exposure for yourself, your family and your pets or visitors, then know if there is a danger and where the first line of defense against the danger is. What is the difference between a lead paint inspection (LPI) and a lead paint risk assessment? A lead paint inspection (LPI) is a surface-by-surface investigation to determine if there is lead-based paint in a home or child-occupied facility and where it is located. Licensed inspectors or risk assessors can only carry out lead paint inspections. Lead-based paint inspections determine the presence of lead-based paint. Lead paint inspections use an X-ray fluorescence device to determine the presence, if any, of lead-based paint. XRF units produce X-rays and allow the user to determine on the spot if a surface contains lead paint. Inspections using test equipment. It is beneficial to determine if lead-based paint is present before buying, renting or renovating a home and to identify potential sources of lead exposure at any time. A lead paint risk assessment is an on-site investigation to determine the presence, type, severity, and location of lead-based paint hazards (including lead hazards in paint, dust, and soil) and suggest ways to control them. Risk assessments can only be legally carried out by certified risk assessors. A risk assessment does not need to test for lead, as most inspections are performed on the assumption that lead paint is present. You can also have a combined inspection and risk assessment. With either of these options, the risk assessor or inspector will provide you with a written report of the findings. Lead paint inspections determine if lead is present and where it is on the property. A lead paint risk assessment assumes that lead paint is present and assesses the hazards associated with lead paint. Lead Paint Inspection Procedure The lead paint survey begins with inspectors/risk assessors walking the subject property and documenting room equivalents, testing combinations, and selecting test locations, all while looking for lead paint. The walls/sides of the property are distinguished by Side A, B, C or D. Wall or side A faces the street, then moving clockwise would be wall/side B, C (located at the rear of the property ), and D. After the testing strategy is determined, the inspector/risk assessor uses a lead paint spectrum analyzer (XRF) to determine the lead content (mg/cm2) of the painted surfaces at the subject site. Surfaces with paints or coatings with concentrations of 1.0 mg/cm2 or higher are considered lead-based paint. The inspection follows the EPA Work Practice Standards for Conducting Lead-Based Paint Activities (40 CFR 745.227), the U.S. Department of Housing and Urban Development (HUD) Guidelines. for the Evaluation and Control of Lead-Based Paint Hazards in Homes (Guidelines) and all state and local regulations. Lead Risk Assessment Procedure Lead risk assessment involves a comprehensive visual assessment of potential lead hazards, including lead-based paint, lead dust, lead in water and/or lead in soil. Testing can be completed as part of the risk assessment. If you have any questions about lead paint inspections, please call our office.
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