How Insurance Covers Biohazard & Crime Scene Cleanup in Your Home

If something serious happens at your home — like a crime, death, or accident — special cleaning may be needed to remove blood, bodily fluids, or hazardous materials. This is called biohazard or crime scene cleanup, and it can be expensive. The good news is: homeowner’s insurance often covers it. Here’s how the process usually works:

1. Check Your Insurance Policy

Most homeowner’s insurance policies will cover biohazard cleanup — especially if it’s from an unexpected event like a crime, accident, or unattended death.
Look for terms like:

• “All-risk coverage”

• “Biohazard cleanup”

• “Crime scene remediation”

2. Contact Your Insurance Company

Call your insurance company and tell them what happened. Ask them:

• “Is biohazard or crime scene cleanup covered under my policy?”

• “What do you need from me to start the claim?”

3. Hire a Professional Cleanup Company

Once approved, a certified cleanup company (like us) will:

• Assess the situation

• Document everything (photos, reports, estimate)

• Start the cleanup safely and properly

We can even work directly with your insurance company to make the process easier for you.

4. File a Claim

We can help you submit the claim, or you can do it yourself by phone or online. You’ll need to provide:

• An incident report

• Photos of the damage

• A copy of the cleanup estimate
  

5. Payment Options

• Insurance pays directly: If approved, your insurance may pay us directly.

• You pay, then get reimbursed: In some cases, you pay first and the insurance sends you the money later.

• Not covered? We offer payment plans and financing if your policy doesn’t cover everything.