Zonolite Attic Insulation Trust (ZAI) Reimbursement
Who Is Eligible?
You may be eligible to file a claim if you:
- You are a U.S. homeowner (current or former) whose property contains or contained Zonolite vermiculite attic insulation
- The insulation was present in a residential property you owned
- You have incurred or are planning to incur costs related to the removal or remediation of the Zonolite insulation
- You can provide documentation supporting the presence of Zonolite insulation and associated removal expenses
- Your property is located in the United States — there is no specific state requirement, all 50 states are eligible
How Much Can You Get?
Eligible homeowners can receive reimbursement for up to 55% of their documented Zonolite removal costs, up to a maximum payment of $4,934.72. The exact amount you receive will depend on how much you actually spent (or plan to spend) on removal and remediation, so the more thorough your documentation, the better. For example, if your removal costs totaled $5,000, you could receive approximately $2,750. If costs were $9,000 or more, you'd be looking at the maximum reimbursement of $4,934.72. Keep in mind that the trust has a finite amount of funds, so payouts are subject to availability and claims are processed on an ongoing basis.How to File Your Claim
Filing your claim is quick and easy:
- Confirm that your home contains Zonolite vermiculite attic insulation — look for a loose, gray-brown, pebble-like material in your attic
- If you're unsure, consider having a professional assess your attic insulation before proceeding
- Gather documentation of the Zonolite insulation in your home (photos, contractor assessments, or prior inspection reports)
- Collect receipts, invoices, or estimates from licensed contractors for the removal or remediation of the insulation
- Obtain and complete the official ZAI Trust claim form — visit the ZAI Trust website directly or contact the Trust administrator for the current form
- Submit your completed claim form along with all supporting documentation to the ZAI Trust for review
- Download the Class Action Buddy app to track your claim status, get reminders, and find other settlements you may qualify for
💡 Easier way: File with Class Action Buddy
Skip the paperwork. Our app auto-fills your claim form with your saved profile and submits it electronically in under 2 minutes.
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Do I need proof of purchase for the Zonolite Attic Insulation Trust (ZAI) Reimbursement?
Yes — this settlement requires proof of purchase. Acceptable proof typically includes receipts, credit card statements, photos of the product, or order confirmation emails. Check the official claim form for specifics.
How do I file a claim for the Zonolite Attic Insulation Trust (ZAI) Reimbursement?
You have two options: (1) Use the free Class Action Buddy mobile app — set up your profile once and the app auto-fills the PDF claim form, captures your signature, and submits the claim by mail on your behalf. (2) File directly with the settlement administrator using the official claim form linked on this page.
What is Zonolite attic insulation and why is it dangerous?
Zonolite is a brand of vermiculite-based attic insulation that was widely sold in the U.S. from the 1940s through the 1990s. It was made from vermiculite ore mined in Libby, Montana, which was contaminated with naturally occurring asbestos. Asbestos exposure is linked to serious lung diseases including mesothelioma, lung cancer, and asbestosis. If you have Zonolite in your attic, the EPA recommends leaving it undisturbed or having it professionally removed.
How do I know if I have Zonolite insulation in my attic?
Zonolite insulation looks like small, pebble-like granules that are grayish-brown or silver in color. It was typically poured loose into attic spaces. If your home was built or renovated before 1990 and has this type of loose, gravelly insulation, there's a good chance it could be Zonolite. You can have a professional environmental inspector collect a sample and test it to confirm. Do not disturb the material yourself, as this can release asbestos fibers into the air.
Is there a deadline to file a ZAI Trust claim?
As of the information available, the ZAI Trust does not have a fixed claims deadline — it operates as an ongoing fund for affected homeowners. However, the trust has a limited amount of money available, so it's a good idea to file your claim as soon as you're ready. Waiting could mean reduced payouts if the fund becomes depleted over time.
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