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Don't guess about asbestos, get an analysis performed. Most labs only charge $20-30 per sample. And yes, I am a licensed asbestos inspector. If it is asbestos, you need to deal with it properly (and legally) or you can have a terrible mess on your hands. Improper handling or disposal can leave you liable for HUGE costs later. You could also contaminate the entire house and put the rest of your family at risk.
Asbestos-related ilnesses don't show up for 10 to 40 years later. You may think that you are old enough to not care about 40 years from now, but what about any kids that may be around? On the other hand, if it isn't asbestos, the handling and disposal are a whole lot easier and cheaper. Analysis can save you a bundle, not to mention the peace of mind. In my state, a homeowner may legally remove his own asbestos his own home, but must still dispose of it according to the waste laws. Do you know the laws of your state? Regarding vermiculite, the W.R.Grace mine that produced a lot of the vermiculite used in the U.S. is now closed down because their vermiculite contained asbestos. DO NOT use the "home asbestos test kits" that are sold in some hardware stores, they are not accurate, just another snake oil. Get a laboratory analysis from a NVLAP accredited lab.
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