
Understanding Insurance Coverage for Bio Hazard Cleaning and Remediation
When it comes to Bio Hazard Removal and Remediation, Home Owner and Business insurance policies may offer coverage. However, , the specifics can vary extensively depending on the circumstances and type of policy that you have. Most Home Owners and Commercial Property Insurance Policies will include provisions for Bio Hazard Cleaning, especially when damages were the direct cause or part of a covered peril, such as vandalism, accidental death or a crime.
When does Insurance Typically Cover Costs of Bio Hazard Clean-Up?
1) Crime Scene Clean Up: Your insurance should cover the clean up services if your home becomes a crime scene. This typically includes incidents like break-ins, assaults or homicides. In the event of one of these situations occurs, Once Law enforcement has completed their investigation and cleared the scene, We will step in to restore the site.
2) Unattended Death Clean-up: In the event where a person passes away alone and their body is not discovered right away, Often times insurance will cover the cost of clean-up of the resulting Bio. These situations can be emotionally taxing kkand having insurance to cover the cost of clean-up can help alleviate some of the stress.
3) Accidents and Trauma: Accidents that result in significant injuries or fatalities, whether in a home or at a business, may also be covered. This can include anything from a slip-and-fall incident to a work place accident. Insurance typically will cover Bio Hazardous materials such as blooded or bodily fluids.
4) Vandalism: If your property was vandalized in such a way that it creates and hazardous living situation, such as graffiti involving blood or any other harmful substances, Most insurance policies will cover the clean-up.
Why Would Insurance Not Cover Bio Hazard Cleaning Costs?
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​Neglect: If you have damage that is deemed to have been a result of neglect or failure to maintain the property.
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Intentional Acts: If the Bio is a direct result of an intentional act by either the policy holder or someone living on the property. This should also include situations where illegal activities were involved
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Policy Exclusions: Every insurance policy has Exclusions, that is why it is so important to review your policy carefully and consult with your insurance agent to understand what is and what is not covered. For Example, some Policies might exclude certain types of Bio Hazard removal and remediation, such as mold remediation, which is typically handled under different terms.
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In the unfortunate event that your home becomes a crime scene and you either don't have a policy that covers the clean-up or your policy doesn't cover all affected areas that the crime scene may have occurred, There maybe help available to you.
According to the Texas Attorney General's website: You may be eligible to receive compensation if you are an individual whom may incur the cost of the Crime Scene Clean-up or if more than one person pays for the Crime Scene Clean-up, the costs will be prorated.
The Texas Attorney General's website has provided a link to fill out an application for the Crime Victim Assistance Program and they have a detailed list of documentation that you will need to provide with your application.
Listed below are Compensation limits and costs that may be covered by CVC, You can also find this information at
Office of the Attorney General (.gov)
https://www.texasattorneygeneral.gov › crime-victims
Compensation Limits
Compensation is limited to $2,250 for Crimes after July 14, 2016. CVC is the last source o payment by law. All other readily available resources must pay before any payment by the program.
Costs Covered by CVC (Crime Victim Compensation)
CVC may also be able to provide compensation for sexual assault, exam costs, loss of earning for disabled peace officers, and other extraordinary costs for crime related injuries.