Will Your Insurance Cover Trauma Cleanup?

Cleaning up after a traumatic event is challenging, both physically and emotionally. A biohazard remediation company or smell remover in Canton can take some of the pressure off of your shoulders, but will your insurance cover the cost of these services? Can you save money by doing your own cleaning?

Insurance Coverage for Biohazardous Cleanup

Bioremediation is a method of cleaning hazardous waste with the use of microorganisms and fungi. All insurance policies are different, but the terminology is usually the same. It is important to review your homeowner's insurance policy for references to bioremediation. You can also call your insurance provider and ask them if they cover cleanup following a traumatic event. Bioremediation coverage for incidents like a flood is common and, in some states, mandatory for homes located in a flood zone. However, remediation coverage doesn’t always account for traumatic events like homicide or even natural death.

Financial Assistance

If your homeowner’s insurance doesn’t cover trauma cleanup, you have other options to help pay for remediation services. Victim’s assistance programs at the state and federal levels help families cope with the unexpected burden of cleanup services. You can also ask your remediation company about discounts or financing options.

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Can You Clean It Yourself?

Before the development of bioremediation, families usually had to contend with the cleanup on their own after a death in the home. The process usually involved caustic chemicals and the disposal of furniture, flooring, drywall, and personal belongings. However, even these basic cleanup techniques cannot remove harmful airborne contaminants and microorganisms. These contaminants can settle on every object in the house, spreading illnesses to other family members in the house and festering into mold. Only a professional biohazard cleanup and smell remover in Canton fully restore your home and help you and your family move on.

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