Asbestos fibers can cause lung disease, mesothelioma and other respiratory ailments. Asbestos use was common in construction and household materials in the U.S. until the late 1970s. Homeowners are advised to leave the removal of asbestos materials to professionals. (Shutterstock) Asbestos fibers can cause lung disease, mesothelioma and other respiratory ailments. Asbestos use was common in construction and household materials in the U.S. until the late 1970s. Homeowners are advised to leave the removal of asbestos materials to professionals. (Shutterstock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: Our insureds sustained a leak in their refrigerator supply line. They explored the leak and pulled up the flooring around the leak. The flooring mastic contained asbestos. The insured, after exposing the mastic, continued living in the home for weeks, using the floor and walking over the mastic. Testing of the home has been done, and it now has asbestos contamination throughout the home. A recommendation exists to pack out the entire house and decontaminate the structure in its entirety.

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