Working Time Total Time Cost (With no major repairs) 1 - 24 hours 1-5 days $10-25 per square foot Musty smells, discoloration, paint peeling or cracking, and the telltale black-colored stuff creeping up your wall. The dangers that can come with different types of mold...read more
Does Homeowner Insurance Cover Unattended Deaths?
Does homeowner insurance cover unattended death? This blog post will answer that question and share tips on getting the most out of your policy when dealing with tragedy.
No one ever wants to think about an unattended death in your home or the home of a loved one. If this ever happens, it can be easier if you have the proper homeowner’s insurance coverage.
In an already traumatic time, the less you think about what to do next, the better. Thankfully, a homeowners insurance policy can take care of a lot, handle a bit of the burden, and allow you to pass off the work to someone else while you deal with the death.
This blog post will discuss if homeowner insurance covers unattended death, what questions you should ask your provider, and more.
Let’s get into it.
Does Insurance Cover Unattended Deaths Clean Up Costs?
Yes, it does.
Although a few policies don’t cover unattended deaths, most homeowner insurance policies will cover these deaths. You will be covered if you are with a major company and have a good policy. The same applies to business insurance policies, too, meaning if you have an unattended death at your business, you will be covered too.
The best way to know is to contact your insurance provider and discuss your coverage.
What Specific Types Of Cleanup Does It Cover?
There are two main types of cleanup that your policy will cover:
Body removal: Your insurance provider will contact a vendor to remove the body and transport it to where it needs to go.
Bodily fluid cleanup: The corpse may leave behind bodily fluids, and your vendor will clean them all (it is essential to ensure you employ a vendor that can deal with biohazards).
There is also an additional type of cleanup that your policy might cover:
Property damage: If the unattended death caused any property damage, such as broken furniture, windows, etc., your policy might pay for this too, though you will need a separate vendor.
What Questions Can You Ask Your Insurance Provider To Determine If You Have Coverage?
The most basic question to ask your provider is if you have unattended death cleanup coverage. If you don’t, work with them to add that to your policy.
If you do have coverage, you should find out what the policy covers—if it only covers the cleanup of the body and the fluids or if it covers damage to the property and anything else that might come with the death.
What To Do If You Don’t Have Insurance Or Aren’t Covered For Unattended Death?
If you don’t have insurance coverage or your coverage doesn’t cover unattended death, then you may find yourself in a situation where you must deal with the body yourself. This is not something you ever want to think about, but if you are in that situation, you can follow this quick checklist to get through the process:
- Contact the authorities: Even if the death is from natural causes, you should still call the police. The authorities will call their local coroner to examine the body and determine the cause of death.
- Transport the body: If the authorities allow you, you should arrange for the body to be transported to a mortuary or crematorium. The closest kin is responsible for transporting the body.
- Call family and friends: You should notify any family and friends of the passing or contact the person who can do this for you.
- Hire a biohazard cleanup company: It is never recommended to tackle any cleanup yourself, both for your physical and mental health.
Why Should You Avoid Delays?
The longer you wait to clean up an unattended death, the worse the situation will get. Regarding biohazards, the cleanup should begin as quickly as possible, and if a vendor can enter the property, there should be no delays. Biohazard materials can be removed safely, and further damage and contamination can be prevented.
You also want to speed up the insurance process. The longer it takes to file a claim, the longer it will take for the claim to be paid, and if you take too long, the claim might be rejected.
Should You Use The Preferred Vendor?
The short answer is no.
While insurance companies deal with professionals, they often employ vendors to deal with multiple types of cleanup. It is not unusual for vendors that deal with mold, water damage, and fire to be sent to deal with the cleanup associated with death. While they might excel in specific situations, they are unlikely to be trained in unattended death cleanup.
Remember, the vendor is more interested in pleasing the insurance company than in pleasing you.
You may be tempted to throw in the towel and let the insurance company handle everything while you greave and/or move on with your life. However, this is one area where it is best to do a little of the work yourself and ensure that the insurance company is hiring a professional that will be able to do the job safely and professionally.
Biohazard cleanup is a niche business, but dedicated vendors like Spaulding Decon are out there.
What If You Can’t Find The Deceased’s Policy?
The most common problem is waiting until the cleaning is done before they can enter the home and retrieve the policy. You must work with an insurance company that will not only help look for the policy as part of the cleanup process but will also not delay the cleanup because the policy is not readily available.
Starting out with a trusted insurance company is key. While they are a business and the policy is needed to cover the costs, they should be willing to work with you to locate the policy as part of the cleanup process and not delay while you are left to find it by yourself.
The Claim Process
As long as you work with your insurance company closely, the claim process should be hassle-free.
- First, a date and time are chosen for the cleanup.
- Photos are taken and data is collected before, during, and after the cleanup.
- The homeowner’s insurance policy is collected, and a claim is filed with the insurance provider.
- The cleanup vendor should be the one to deal with the company, and they will supply all information to the insurance company.
- You will be contacted to discuss the coverage and claim and for any more details to be collected.
- The vendor collects and sends the final batch of information to the insurance provider.
- You will be invoiced for any deductibles if necessary, but you will be contacted about this in advance.
Choose Spaulding Decon As Your Unattended Death Cleanup Vendor
Whether you have homeowners insurance or not, you should choose Spaulding Decon as your vendor for an unattended death. We have the physical and mental tools to help your family, business, or organization deal with the cleanup.
We implement an unmatched process with resources that set us apart from the competition. Our biohazard remediation services include thorough testing prior to beginning our cleanup process, to ensure that every aspect of the situation is accounted for.
When faced with a biohazard cleanup situation, Spaulding Decon is the most trusted name in the business. Click here to learn more about our services and how our biohazard remediation process works.
eBook - What To Do When Police Leave
There are so many misconceptions about law enforcement’s role when it comes to crime scenes and investigations. When law enforcement is called their sole responsibility is to collect evidence, interview witnesses, and solve a crime. There is no thought whatsoever to the cleanup or restoration to your home. Learn more in this free eBook by Spaulding Decon.
Most Recent Blog Posts
You can see it creeping up the wall, around the edge of the sink and shower, or in the corner where the water leaked in through the window. You’ve got a mold issue. Now what? You may be surprised, but there are some very effective household products that you can use...read more
Sometimes a mess is just a mess and isn't a cause for concern. However, clutter is more serious when it negatively impacts a person's well-being and regular home use. If you suspect that you or your loved one is a hoarder, this guide on clutter vs. hoarding is for...read more