The thought of cleaning up after a suicide can feel overwhelming to those left behind. Most people never think about the possibility of this happening in their home or business and are unsure how to go about dealing with the aftermath. When a tragic event happens, the last thing we want to think about is the cost of cleanup, but it’s a reality that must be dealt with. If there is a CA homeowners insurance policy on the home, you will be relieved to know that most homeowner’s policies cover the cost of the cleanup and any repairs to your home but it must be presented and the claim opened properly which we can help you navigate.
Will homeowners insurance pay for the suicide cleanup costs?
Yes, most California homeowner’s insurance policies will cover the suicide cleanup. In order to maximize your coverage and ensure that it is covered it is very important to say the right things when opening a claim and thus we suggest that you let us file it on your behalf or alongside you. We will be happy to help you by submitting the claim and handling all the paperwork and documentation necessary to ensure that you are covered.
How much of the cleanup costs am I responsible for?
Bio SoCal never asks for any money at the time of service if you plan to file a claim. If you cannot find the policy information or need us to make the home emotionally and physically safe prior to entering we have no problem taking care of the cleanup and waiting until you can locate the insurance policy information. In most cases, you will only be responsible for the policies deductible which typically range between $250-$1,000. The coverage typically covers our invoice as well as any structural repairs, and, in some cases, replacement of contaminated personal items that cannot be cleaned.
Can I pick my own suicide cleanup company?
Yes. By law, even though the insurance company may try to steer you into hiring a company who does not exclusively do biohazard cleanup and may not be qualified, you have the option to select and hire any suicide cleanup company and insurance companies are required to cover the cost of it as per your policy. We invoice fairly and based on industry standards and thus have no issue with claims. It is imperative that you go with a professional and licensed biohazards cleanup company to ensure your own safety, liability and finances. It’s important that the area is completely clean, decontaminated and free of all biohazards, even the ones you cannot see. Homeowner’s insurance policies will only pay for the suicide cleanup service if a licensed biohazard cleanup company completes the work. Do not be led by the adjuster to select a company that does not specialize 100% in biohazard cleanup.
Can I just clean it up myself?
The short answer is yes, but it’s not that simple. California homeowners may cleanup after a suicide in their own home but cannot hire a person to do it unless they are properly trained and licensed. However, even if you have the tools and the know-how to clean up after a suicide, which is very different than just cleaning your house, you will need to find a way to properly (and legally) dispose of the biohazards since legally you can’t just throw it away in the regular garbage. California has strict rules and regulations regarding the proper transportation and disposal of biohazards, which is essential for the health and safety of everyone. Keep in mind that if you’re making an insurance claim, your homeowner’s insurance carrier will require that you use a licensed biohazard cleanup company and request additional paperwork and photos from the suicide cleanup scene to validate the work that was done. In general, deductibles are usually low enough that it’s not worth the time or emotional strain. Consult with Bio SoCal and have a good plan before moving forward with the DIY idea.
If you have any questions about your particular situation, please give us a call or email us. We are here to help in any way we can.