Biohazard Cleanup And Your Insurance Claim Process: Why Choose Bio-Tec

Generally, biohazard cleanup in is often covered by homeowners insurance, although the specific coverage can vary based on your individual policy. Bio-Tec will assit you in navigating this process

What is Biohazard Cleanup?

Biohazard cleanup involves the removal and disinfection of hazardous biological substances that pose a threat to human health and the environment. This can include:

• Blood and bodily fluids: Often a result of accidents, suicides, or traumatic events.
• Crime scenes: Cleanup after violent crimes or incidents with biohazardous materials.
• Chemical spills: Accidents involving harmful chemicals.
• Infectious disease outbreaks: To contain the spread of pathogens.
• Sewage backups: Can introduce harmful bacteria and pathogens.
• Mold and fungus infestations: Can release spores that pose health hazards.
• Animal infestations: Waste and remains left behind by pests or animals.

Insurance Coverage:

Different types of insurance may provide coverage for biohazard cleanup:

• Homeowners Insurance: Often covers damage from biohazards like blood, potentially under property damage or liability sections.
• Renters Insurance: Primarily covers personal belongings, not the building structure, so it may cover cleanup of items but not the property itself.
• Landlord Insurance: Designed for rental properties and can cover cleanup costs for events like a suicide.
• Commercial Property Insurance: May cover biohazard contamination in business properties.

Filing a Claim:

To file a claim for biohazard cleanup:

1. Bio-Tec will Contact your insurance provider and provide all the necessary documentation.
2. We will Document the affected area with photos or videos.
3. As a certified biohazard cleanup company, we work directly wil your insurance carrier.
4. Bio-Te will Submit required documentation, such as estimates and photos, to your insurer.
5. We Keep detailed records of all cleanup expenses.
6. We can Review your policy to understand coverage limits and exclusions.

Important Considerations:

• Coverage varies by policy, so check your specific plan carefully.
• Some policies only cover listed perils, so biohazards may not be included if not specified.
• A high deductible might make filing a claim less advantageous.
• Insurers often prefer using certified cleanup professionals, such as Bio-Tec.

Following these steps can help with the insurance claim process for biohazard cleanup expenses.