I bought my first renovate and hold property. I was aware of the vermiculite insulation(That has the risk of containing asbestos) but knew it didn't serve as a threat as long as it wasn't disturbed. My plan with the living room ceiling was to tear down the ugly 1x4s on the ceiling assuming it served no structural purpose. Tearing down the last few boards I realized the boards were there to hold up the weak drywall because the vermiculite insulation was weighing it down. The ceiling fell down and the insulation is now all over the living room carpet(Which is going to be torn up anyway). 

I got a quote for 5k, 10-12k, and the other guys said to just go with the 5k guy because he knows him and he can't give a better price. Obviously, this is a pretty costly mistake. To my understanding, you must get permits to remove asbestos and it must be done correctly to ensure a safe living environment and safe disposal. 

Has anyone had this issue? What do you recommend? I've considered doing it myself but don't want to be liable for anyone getting hurt or apparent fines. Not the best issue to have on my first renovation. That 5k was going toward appliances and new countertops.