Navigating the complicated world of insurance can be daunting, especially when unexpected incidents occur in your home. One question that often arises during such times is: “Is biohazard cleanup covered by insurance?” To bring some clarity to this issue, we’ll examine the intricacies of insurance policies in relation to biohazard cleaning services.
Is Biohazard Cleanup Usually Covered?
In general, biohazard cleanup is almost always covered by homeowners insurance. Insurance companies consider this type of cleaning under the same category as structural cleans, such as those needed for fires or water damage. Since these are unforeseen incidents that can greatly affect the livability and safety of your home, insurance policies commonly cover the associated cleanup costs.
What Constitutes a Biohazard Cleanup?
Before diving further, let’s define what falls under biohazard cleanup. Biohazards are biological substances that pose a threat to human health and the environment. This can include:
- Blood and bodily fluids
- Animal waste
- Chemical spills
- Medical waste
- Mold
Cleanup services often involve specialized equipment and trained professionals to handle and dispose of these hazardous materials safely.
Situations Where It Might Not Be Covered
Named Peril Policies
In some cases, biohazard cleanup may not be covered by insurance. This is usually when a homeowner has what is known as a ‘Named Peril Policy.’ These policies specifically list the types of damages that are covered, and if biohazards are not on that list, you’ll likely have to cover the costs out-of-pocket.
High Deductibles
Another situation where you might find it less beneficial to claim insurance for biohazard cleanup is if you have a high deductible. If the deductible is higher than the cost of the cleanup, then it may not be worth filing a claim.
Landlords and Special Policies
Landlords may also encounter limitations with their insurance coverage. If they have a Named Peril Policy or a high deductible, the same rules apply. However, some landlord insurance policies might have special clauses regarding biohazards, especially if they are the result of tenant activities.
What To Do if You Need Biohazard Cleanup
Evaluate Your Insurance Policy
If you’re in a situation where you need biohazard cleaning services, the first step is to carefully review your insurance policy. Look for terms like “biohazard,” “structure clean,” or similar language to determine if the service is covered. Consult your insurance agent for clarification if needed.
Contact Professionals
If it turns out that the cleanup is covered, your next move should be to contact professionals who specialize in biohazard cleanup. They will be able to handle the situation in a safe and efficient manner, providing peace of mind during a stressful time.
Document the Cleanup
Keep detailed records of all activities and costs associated with the cleanup. This will make it easier to file your insurance claim and ensure that you receive the appropriate coverage.
Conclusion
Understanding whether biohazard cleanup is covered by insurance is crucial for homeowners. While it’s almost always covered under standard homeowners policies, exceptions like Named Peril Policies and high deductibles can present challenges. By being well-informed and prepared, you can navigate these complexities and make the best decisions for your situation. Contact Scene Clean today to learn about biohazard cleanups being covered by insurance.
