Cleaning up after a traumatic event, such as a violent crime, suicide, or unattended death, involves more than just physical effort—it also comes with significant costs. While homeowners insurance often covers storm or fire damage, many people are unaware of their policy’s stance on crime scene and trauma cleanup. Understanding your coverage is essential to ensure the affected area is cleaned safely and professionally without additional financial strain.
How to Determine If Your Insurance Covers Trauma Cleanup
The best way to verify your coverage is to contact your insurance adjuster, not your agent. Adjusters are deeply familiar with policy details and can clarify whether biohazard cleanup services are included. Key questions to ask include:
- Does my policy cover biohazard cleanup after events like crime scenes, suicides, or accidents?
- Are there coverage limits or exclusions I should be aware of?
- Can I choose my cleanup provider?
It’s important to know that your insurance provider cannot legally “steer” you toward a specific remediation company. You have the right to select a premium, reputable provider like ServiceMaster BioClean for professional cleanup.
Why DIY Cleanup Isn’t Safe
If your policy doesn’t cover trauma cleanup, attempting to clean the site yourself may seem like a cost-saving option. However, this approach can pose serious risks:
- Health Hazards: Blood and bodily fluids may contain harmful pathogens like HIV, Hepatitis B, or MRSA.
- Incomplete Cleanup: Standard cleaning tools and chemicals are insufficient for biohazardous materials, leaving invisible contaminants behind.
- Liability Risks: Without a professional Certificate of Treatment, you could be held liable if someone becomes ill after entering the property.
What If My Policy Doesn’t Cover Cleanup?
If trauma cleanup is not included in your insurance policy, you still have options:
- Victim Compensation Programs: Many states offer assistance through the National Association of Crime Victim Compensation Boards (NACVB).
- Payment Plans: Some cleanup providers offer interest-free payment options or financial hardship assistance.
- Discount Programs: Check for available discounts for commercial properties or recurring services.
What Factors Impact Crime Scene Cleanup Costs?
Every situation is unique, but cleanup costs typically depend on:
- Number of Affected Areas: Multiple rooms or large properties increase costs.
- Duration: The longer a site is left unattended, the more extensive the contamination.
- Structural Damage: Fluids can seep into floors and walls, requiring removal of materials like carpet or drywall.
- Complications: Additional challenges, such as hoarding, large machinery, or personal belongings, can add to costs. Professional crime scene cleanup companies like ServiceMaster BioClean assess the site, provide an upfront estimate, and document the process for your insurance provider.
Why Choose Professional Cleanup Services?
Trauma and crime scene cleanup is a highly specialized process that ensures the safety of occupants and the property’s future usability. ServiceMaster BioClean provides:
- Hospital-Grade Sanitation: Our advanced disinfection methods eliminate pathogens and odors.
- Certified Processes: We issue a Certificate of Treatment, giving you peace of mind and protecting against liability.
- Compassionate Care: Our trained technicians handle every situation with discretion and sensitivity.
Whether you’re navigating insurance claims or seeking cleanup services, ServiceMaster BioClean is here to help. We work with insurance providers to streamline the claims process and offer flexible payment options when coverage isn’t available. Contact us 24/7 for professional cleanup and support during difficult times.