Asbestos is now banned in most new products in the United States. Though it's excellent as an insulation material, disturbing asbestos fiber is hazardous and may lead to damage to the lungs which can result in diseases like asbestosis or even lung cancers like mesothelioma. If the homeowner isn't sure that they have asbestos insulation, they should call a professional or the consumer Product Safety Commission. Asbestos is not a risk to health when it's not disturbed, but if it's flaking and releasing fibers into the air, the homeowner will need to have it removed by an asbestos abatement professional.