Q. Cold Over-the-Garage Bedroom

Q. Hey Mark,

I have a bedroom above an unheated garage. The bedroom is always cold in the winter (Wisconsin). The ceiling of the gargage is currently plywood (I assume some insulation above). The floor of the bedroom is always cold. What is the best way to add insulation given that this is in a garage? Can I add some foam board?



A. Hey John,

Insulation should have been installed in the floor of the bedroom over the garage when it was built. If not, then my concern would be that perhaps the bedroom was added without the benefit of proper code supervision and inspections. What many people don’t understand is that ceiling joists and trusses are designed to support a ceiling, not a floor. Therefore the engineering might be suspect. All that being said, and assuming the garage/bedroom was built to proper engineering standards, I would say that your best bet would be to add some solid insulation on the garage side. Please be aware that the “Styrofoam” type insulation, can not be left exposed. It too would need to be covered with drywall to protect it in case of a fire. I would also suggest checking with your local Better Business Bureau to see about finding a reputable and qualified contractor to evaluate the situation first hand. He should have an opinion on the state of the bedroom, know how to research previous home improvements and their permit and inspection records, and give you an idea of how best to proceed with your particular problem.

Hope that helps.


Mark Nahrgang is the owner of Kingdom Inspection Network Group – St. Louis and is a professional NACHI certified building inspector in the St. Louis metro area. Mark performs home inspections as well as commercial inspections throughout St. Louis and St. Charles County.

Q. Follow up: Working in an Attic with Vermiculite… Do-it-Yourself Job?

Q. Hi Mark, First let me thank you for replying so promptly, your information is greatly appreciated. [S]econd, I still have a bag or two [of vermiculite] in my attic and I was going to use it and then cover over it with plywood. Actually I was going to plywood my whole attic floor and cover it up, do you think that it would be safe? I have 2 children and I want to be safe, I am a do it yourselfer and I can’t afford professional removal. If you get a chance to reply I would appreciate your thoughts.

Thanks for letting me pick your brain!


A. Hey Caroline,

I can’t really tell you to do anything other than what the EPA says, and the EPA says to leave it alone.  If it must be disturbed, it should be done by a professional.  I understand that you are a do-it-yourself kind of person, and that you really can’t afford to have a professional come take care of it.  So my recommendation is to leave it be.  Start saving.  And when you have enough put away to hire a professional, do so. Some things are easy for a home owner to do.  Some things should be left to the folks with the proper equipment and training.  This is one of those things that should be left to the pros.

I know that’s not what you wanted to hear, but that’s the best advice I’ve got.

Hope that helps.


PS. Don’t fool with the unopened bags either.  Let the pros take care of them too.  The outside of the bags are covered in insulation dust.  That’s what gets into the air, and into your lungs (and your kids lungs).

Mark Nahrgang is the owner of Kingdom Inspection Network Group – St. Louis and is a professional NACHI certified building inspector in the St. Louis metro area. Mark performs home inspections as well as commercial inspections throughout St. Louis and St. Charles County.

Q. What Year Was Asbestos a Problem in Vermiculite Insulation?

Q. Hi Mark,

My house was built in 1958, according to the date on the chimney, I purchased the house in 2001, and did total renovation, unfortunatly the vermiculite is still in my attic and when the house was inspected before buying it the inspector said that it was fine to leave it. I was wondering if you knew what year the vermiculite had asbestos in it?

Thank you, Caroline

A. Hey Caroline,
Most of the vermiculite used as insulation in north America came from a mine in Libby Montana.  This mine’s vermiculite was contaminated with several large veins of asbestos.  At one time, Asbestos was considered an excellent insulator and fire retardant.  Therefore, initially there wasn’t much concern about the asbestos contaminating the vermiculite. It wasn’t until later, when a connection between asbestos and lung diseases was found, that vermiculite insulation became a concern for homeowners. Unfortunately, there isn’t any particular date that you can count on the vermiculite not containing asbestos. While not all vermiculite contains asbestos (not all vermiculite came from, or currently comes from the Libby mine), most vermiculite insulation does. Or, at least the EPA recommends that you assume it does. Your inspector was correct, in saying you can leave it alone. The concern is when the vermiculite is disturbed either by storing things in the attic, or by renovations. I’d recommend clicking on the download links in the right hand side bar to read more about vermiculite insulation and the EPA’s recommendations to homeowners.
I hope that helps.

Q. Okay to Add More Insulation On Top of Vermiculite?

Q. Hey Mark,
I have read the postings about vermiculite and that you should not disturb it. We only have 6 inches of insulation in our attic and need more [for] our cold winter weather. How do we add more insulation to the attic without disturbing the vermiculite and causing a health hazard? Will a professional insulation company add insulation over it?

Hey Victoria,
It’s hard to tell you what would be best in your situation without actually looking at the home, but I can give you some options to consider.

One option that would be a permanent solution, is to have have the vermiculite professionally removed and replaced. That’s going to be a fairly expensive proposition and one that isn’t always necessary. If the insulation is staying where it is supposed to be, isn’t sifting into the living area around lights and fixtures, and has no traffic on or around it, a lower cost solution would be to cover it up.

I would recommend that you interview the insulation companies in your area, and make sure that their installers are familiar with vermiculite and the possibility that it contains asbestos. If their installers are well trained, and properly equipped, they may be able to either lay rolled insulation, or blow additional fiber or cellulose insulation over the top of what you already have. That will of course disturb what you have to a certain degree, but a properly trained and equipped installer will minimize the disturbance as much as is reasonably possible. Remember though, with the second option, you must always be aware of the vermiculite’s presence. Anyone going into the attic should be notified of it’s existence. And any remodeling that will disturb it will need to be done professionally, as well. If you have insulation added, make sure you document what was done and keep the receipts. When you go to sell the home, put some wording in your disclosure of this nature… “In 2008 we added 8 inches of blown cellulose insulation on top of the original 6 inches of vermiculite.” This does two things… It informs the buyer that vermiculite is present, and also lets them know that you improved the home by adding insulation and by covering the vermiculite. Reduce buyer suspicions by disclosing up front and increase buyer peace of mind by advertising the improvement.

Bottom line, I would recommend that you get several estimates from some asbestos remediation companies for removal, as well as insulation companies for covering it up. This will allow you to make the best decision based on your specific circumstances.

Mark Nahrgang is the owner of Kingdom Inspection Network Group – St. Louis and is a professional NACHI certified building inspector in the St. Louis metro area. Mark performs home inspections as well as commercial inspections throughout St. Louis and St. Charles County.

Q. Home Inspector Disturbed the Vermiculite… Problem?

Hey Mark!

I just read your question about a seller having asbestos in their home. I am on the other end, the buyer. I just had an inspection and the inspector found vermiculite in a portion of the home. It is covered by about 8-10 inches of new installation.

One concern, the inspector stuck his hand into the vermiculite and pulled out a handful to show me.. does this fall under the category of ‘do not disturb the asbestos’ or is this ok?

Thank you!


Hey Maria,

While a minor disturbance such as this may not be a major health risk in and of itself, the cumulative effect of exposure to asbestos is a proven threat.  Apparently your inspector has a comfort level with it that exceeds what the EPA recommends.  They recommend NOT disturbing the vermiculite insulation.  If it is disturbed inadvertently, they recommend leaving the area and allowing the dust to settle.

Even though the inspector should not have disturbed it, I might also say that it is good that he found the vermiculite.  Most inspectors don’t move insulation around.  His “probing” was what lead him to the discovery.

Now, you need to ask yourself how much you love the home. If you love it, and can either live in the home without disturbing the insulation, or can have it removed, then the home may still be a good option for you. The fact that additional insulation is on top of the vermiculite does give it an additional barrier that may help to minimize disturbances. You can read more about vermiculite insulation and asbestos on the EPA’s website so that you can be well-informed as you make your decision.


Mark Nahrgang is the owner of Kingdom Inspection Network Group – St. Louis and is a professional NACHI certified building inspector in the St. Louis metro area. Mark performs home inspections as well as commercial inspections throughout St. Louis and St. Charles County.

Q. Isn’t Today’s Vermiculite Okay to Use for Insulation?

Hey Mark,
I am told that the vermiculite currently mined has no asbestos.
Here is the website: http://www.vermiculite.com/

The reason I am interested in using vermiculite as an attic insulation is that it is one of the few materials that is non toxic and non flammable. Fiberglass is flammable and in addition, I hate working with the stuff.

Does anyone know of any other materials other than vermucilite that is both non toxic and non flammable? My problem is that I own a Victorian and there are no firebreaks in the walls and no sheet rock.

Hey David,
It is also my understanding that the vermiculite that is currently being mined is tested for asbestos.  And because of that, today’s sources are free from asbestos.  However, in spite of the fact that vermiculite does have many practical uses, and would potentially make a great home insulation, it is not being used that way today.  And, I think you are asking for trouble if you do.

If you eventually try to sell the home, your buyers will have a home inspection performed.  That inspector will more than likely identify your insulation as vermiculite.  Since it is not currently being used as an insulation material, there will be cause to question if it is contaminated with asbestos or not.  Continue reading

Q. Do I Have Vermiculite Insulation? (Bankrupcy Claims)

Q. Hey Mark!
We live in Las Vegas, NV and have lived in our home for 14 years.  Our home was built in 1978.

The only reason I am becoming more aware of Vermiculite Insulation, is because I saw an ad on TV the other night that stated there is some type of Class Action Lawsuit going on over Vermiculite.  I did not get to jot down the phone number on the advertisement, so if you know anything about this, could you please let me know who is conducting this suit and maybe a phone number to call ?

We have often wondered since we moved into this home, if it was a “sick” home…we all very frequently feel conjested, “clogged up”, …we have never been this way in any of our other homes we owned.

How can we tell if we have Vermiculite in our attic?….


Hey Alice,
Thanks for your question.  We recently noticed a sudden spike in vermiculite-related inquiries at http://www.HeyMark.Info and weren’t sure why. Thanks to your question, we became aware of a bankruptcy claim concerning vermiculite insulation. Details on this can be found at http://www.graceclaims.com/index.shtml. Homeowners with vermiculite insulation should take a moment to visit that web site. I will be letting my St. Louis area home inspection clients know about this situation, as well.

To determine if you have vermiculite insulation, I’d suggest that you compare it to some photographs. Vermiculite has fairly distinctive features. Continue reading

Q. Vermiculite Insulation — Does It Have Asbestos?

Hey Mark,

The home I am selling has vermiculite insulation. The buyer’s inspector said that it is asbestos, and now the buyers want me to remove all of it. That’s going to cost over $10,000.00. Is that really necessary?


Hey Sue,

Vermiculite insulation MAY contain asbestos. You can have some samples taken from various places in the attic, and have it analyzed, but the results of that testing may not be conclusive. The EPA recommends that you simply leave the insulation alone and don’t disturb it.

Continue reading