Everything you need to know about asbestos-contaminated vermiculite insulation from the former Libby, Montana mine sold under the Zonolite (TM) brand from the early 1920s to the mid 1980s that is present in millions of older homes in North America - including how qualified homeowners can apply to receive partial reimbursement from the recently established Zonolite Attic Insulation (ZAI) Trust for the costs of removal of Zonolite(TM) vermiculite insulation from their homes by state-licensed asbestos abatement professionals.


Vermiculite insulation in homes is becoming a more pressing issue due to the urgent need to make homes more energy efficient, and to help mitigate climate changed caused in part by human activities such as burning fossil fuels. It also often arises during home sales.


The essential guide for Homeowners, Home Inspectors, Real Estate Professionals,  Residential Contractors and Tradespersons. Written by a professional Industrial Hygienist, it assumes no prior knowledge about asbestos-contaminated vermiculite insulation in homes (common locations include attics, walls and sometimes masonry foundations), and pulls information together from a wide variety of authoritative sources, saving the reader countless hours of research. Includes summary "Questions & Answers" and "Do's and Don'ts" sections. This Guide was reviewed by several technical experts and is featured on the Zonolite Attic Insulation Trust's website (see link below).


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Does Your Home Have Vermiculite Insulation?

Then You Need to Know About the

Zonolite Attic Insulation ( ZAI ) Trust

Partial Reimbursement Program

for Qualified Homeowners


The ZAI Trust, which became operational on June 16, 2014, may be able to reimburse a qualified homeowner* 55% of costs associated with the professional removal of Zonolite Attic Insulation (ZAI) by a licensed asbestos company up to a maximum removal cost of $7500, for a maximum reimbursement of $4125. Eligible costs also include include third-party final visual inspection/clearance air testing and re-insulation. In some cases, the ZAI Trust may be able retroactively reimburse homeowners who paid for Zonolite(TM) vermiculite insulation removal prior to when the ZAI Trust became active on June 16 2014. In demonstrated cases of financial hardship, the ZAI Trust may also be able to pay the asbestos abatement contractor directly for the portion of the reimbursement paid by the Trust. *A qualified homeowner is one whose claim has satisfied all of the ZAI Trust's evidentiary proof and application procedure requirements.

The ZAI Trust will also pay for laboratory analysis of a vermiculite sample from your home to determine if it is more likely than not Zonolite(TM) for purposes of determining eligibility for partial reimbursement under the ZAI Trust's claims procedures. The ZAI Trust will operate for a minimum of 20 years. Please click on the link above to go to the ZAI Trust website for complete details.

​Spring, Winter and Fall are great times to have vermiculite insulation in your home removed by a State-licensed asbestos abatement contractor, because attics can become dangerously hot in the summer months. Homeowners who have their Zonolite(TM) vermiculite insulation professionally removed during the winter months will need to arrange for immediate re-insulation to avoid high heating costs.

Adverse Health Effects and

Medical Care for Libby Amphibole
Asbestos Related Disease (ARD)


The single best resource for people wanting to know more about adverse health effects and medical care for people with Libby Amphibole Asbestos Related Disease (ARD) associated with manufacturing and installing Zonolite(TM) vermiculite insulation products is the Center for Asbestos Related Disease (CARD) in Libby, Montana.

The CARD has learned a great deal about Libby Asbestos ARD from treating the many victims from Libby, Montana area where the former vermiculite mine and processing plant were located. The CARD is also participating in various research studies to better diagnose and treat Libby Amphibole ARD. 

Please note that the CARD has a consultation function for clinical providers with patients living outside the Libby, Montana area who may have Libby Amphibole ARD (e.g., who installed Zonolite(TM) Attic Insulation). Patients should ask their licensed health care provider to contact the CARD on their behalf, so the treating clinicians can confer with the CARD's medical specialists directly.



For Homeowners:

EPA Protect Your Family from Asbestos-Contaminated Vermiculite Insulation

For Residential Contractors and Tradespersons:

NIOSH Recommendations for Limiting Potential Exposures of Workers to Asbestos Associated with Vermiculite from Libby, Montana


Questions? Comments?

To submit a comment to improve future editions, please send an email to info@libbyvermiculite.com.  Please note that I am unable to answer questions about your specific circumstances.

Copyright ©2014-2020 by Daniel Erwin. All rights reserved under International and Pan-American Copyright Conventions. This web page last updated 2-18-17.