Does Insurance Cover Biohazard Cleanup?

Coverage depends on the policy, cause of loss and insurer. It should not be assumed that a particular cleanup will be covered.

The practical answer

If you may file a claim, contact the insurer or adjuster and ask what documentation they require. Do not assume coverage or reimbursement before the carrier reviews the loss.

Safety comes first

If a situation is still dangerous or involves an active emergency, contact 911. If authorities are investigating a scene, wait until they release the property before arranging cleanup. Keep unprotected people and pets away from visible contamination.

When to call a cleanup provider

If blood, bodily fluids, decomposition material or other biological contamination has affected a property, call to describe the situation. The location and extent of contamination help determine the appropriate next step.

Related: biohazard cleanup services · Waco-area service locations