Claims depend on documentation
Many homeowner, renter, landlord, commercial and auto policies cover biohazard cleanup after sudden events such as an unattended death, a crime, an accident or a sewage backup. Whether a claim is paid smoothly often comes down to documentation. Adjusters need to see what happened, what was affected, what work was necessary and why.
What we provide
- Itemized estimate of labor, materials, equipment, removal and disposal
- Photos before, during and after work, organized by room or area
- Written scope explaining why each material was removed or cleaned
- Measurements of affected areas
- Contents inventory for items that couldn't be saved
- Waste disposal records for regulated medical waste
- Test results where testing was performed
How we work with your insurer
- You report the claim to your insurer. Coverage decisions are between you and your carrier.
- We document conditions before work begins, except for urgent mitigation, which is documented as it happens.
- We share the scope and estimate with your adjuster as you authorize.
- We answer adjuster questions about the work and necessity.
What we don't do
We don't act as a public adjuster, negotiate coverage or give advice about your policy. If you want help with a disputed claim, a licensed public adjuster or attorney can represent you.
Payment
Payment arrangements depend on your policy and insurer. In many claims the insurer pays the contractor directly or jointly with the policyholder, and you remain responsible for your deductible and anything not covered.
Common questions
Will my insurance cover biohazard cleanup?
Often, for sudden events. Coverage depends on your policy and the cause. Contact your insurer.
Do you work with all insurance companies?
We provide documentation to any carrier. Some carriers have preferred vendor programs with their own rules.
What if my claim is denied?
You can ask your insurer to explain the denial and consider help from a public adjuster or attorney. Our documentation remains available to you.