Does Homeowners Insurance Cover Crime Scene Cleanup

A crime scene that is not cleaned properly can accumulate hazardous compounds. The affected individuals need the help of crime scene cleanup specialists to clean the scene. In most cases, you may use your homeowner insurance to cover the expenses fully.

The information is a guide on homeowner insurance covers and crime scene cleanup.


The Insurance Cover

21892616 - forensic investigator working at a crime scene

The ability of a homeowner insurance to cover the crime scene cleanup depends on the content of your contract. A liability protection is crucial if you need to insure your family and visitors against possible accidents. A comprehensive biohazard coverage shall cater for the expenses.

The Company Involved

Some biohazard companies do not accept payments made by the insurance covers. In this case, you may need to employ extra measure to cover the expenses.

Additionally, your insurance company might turn down your request in case you have defaulted payments in the recent past.

Nature of the Crime Scene

The homeowner insurance agrees to cover the crime scene clean up in case the crime falls under specific categories. The events covered by your homeowner insurance depends on the insurance covering your claim. Some companies, like the Alpharetta crime scene cleanup, cover most traumatic events, which include suicide, murder, unattended deaths, and accidents.

How to Find Out if you are Covered

Before laying claim, you need to confirm your eligibility. Contact your insurance adjuster to find where you stand. If you are not eligible for the cover, you should find a solution as soon as possible. If your insurance company lied in its advertisements, you should seek legal counsel.

Crime Scene Investigator

Crime scene clean up companies might help you lay claim, but the results are not guaranteed. Insurance companies advertise that they cover crime scene cleanups. Accidents occur at the most unexpected time. You need to be extra vigilant while selecting an insurance company, ensure that you pay all premiums in time and use the right channels to apply for compensation.