Biohazard Cleaning and Insurance: What’s Covered?

Biohazard Cleaning AND Insurance

Biohazard incidents, like crime scenes, accidents, or hazardous materials spills, are challenging situations to deal with — not only physically, but also emotionally. In such situations, it’s often both necessary and preferable to enlist the help of a professional biohazard cleanup service.

However, a lingering question in your mind may be: “how much is this going to cost me?” Fortunately, biohazard cleaning expenses are commonly covered by insurance. Let’s break down when a biohazard cleanup job is covered by insurance and at what point it becomes your out-of-pocket responsibility.

Is Biohazard Cleanup Covered by Insurance?

Most homeowners’ and commercial insurance policies do cover biohazard cleanup in situations like crime scene remediation, hazardous materials removal, and more, but the extent of the coverage will vary according to your specific plan. Be sure to review your insurance policy to find out exactly what kinds of cleanup services fall within the limits of your coverage.

What Does Biohazard Cleanup Include?

It’s very important to keep in mind what parts of a cleanup job fall within the definition of biohazard cleanup. Biohazard cleanup typically includes special measures to properly clean and sanitize all compromised areas. If you hire a biohazard cleanup crew, the work they do will be paid for under typical biohazard coverage.

However, the cost of any items that were damaged or destroyed (such as in the event of a crime or serious accident) is usually not included in biohazard cleanup coverage. Your insurance policy may cover these items separately, but they will not be paid for under your biohazard coverage.

As always, make sure you check your specific policy to find out exactly what the limits of your coverage are and discuss any questions you have with your insurance agent. Some policies come with additional endorsements or specific limits for biohazard cleaning coverage that are crucial to be aware of.

Biohazard Cleaning in Fort Myers

Understanding what type of biohazard cleaning is covered by your commercial or homeowners’ insurance policy will ensure you’re prepared in the event of an emergency. While most insurance policies will pay for biohazard cleaning, it’s essential to review your plan to make sure you understand the exact extent of your biohazard coverage.

Once you’re familiar with your biohazard insurance coverage, knowing where to turn for professional cleanup services is the next step. For residents of Fort Myers and the surrounding areas, Clean Keepers is your trusted local solution for any kind of heavy-duty cleaning, including biohazard cleanup, crime scene cleanup, hoarding cleanup, and much more.