What language under a Home Insurance Policy covers Biohazard? My mother passed away, decomposing in the house for 2 weeks. Any help?

  • by Joker66
  • May 15,2017
  • 8 answers

What language under a Home Insurance Policy covers Biohazard? My mother passed away, decomposing in the house for 2 weeks. Any help?


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Insurance Answers (8)

mbrcatz 6 months ago

On a homeowners policy, start by looking for what is covered. In short, damage to the building or contents, by any peril which is NOT excluded.
Having a dead person in the house, does not automatically cause "damage" to the house - although just like when a gallon of milk spoils in the fridge, it's something that SOMEONE will have to clean up.
Homeowners doesn't clean the inside of your house, unless there's a "covered" loss. So . . . what IS excluded? Neglect. The fact that a corpse was left there for two weeks to decompose . .. is a type of neglect. Mold/rot is also excluded. For your contents, like an area rug, for cleanup to be covered, it must be caused by a covered peril . . . and decomposition is not a covered peril, for contents.
So . . . Biohazard isn't excluded, but neglect and rot are, when you're talking about the structure. And Biohazard isn't a covered cause of loss, when talking about the contents. And besides some smell and yuckiness on a carpet . . . I don't think you're going to actually have any "damage" to the house.
Keep in mind, the executor of the estate will have to change the policy from a homeowners to a dwelling fire, until the estate is settled.

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curtisports2 6 months ago

Look in the policy for Biohazard coverage. Even if it is not specifically mentioned, many policies will cover your situation. I know someone this happened to within the past year. ServPro was out there the next day - they and other companies specialize in this area of property remediation, and once the work is done, a certificate is issued. If it was standard practice to NOT provide insurance coverage, most people would try to do the work themselves. From what I've been reading since this question was posted, it seems that coverage under a homeowners policy is the rule rather than the exception.
I'm sorry for what you're going through. It was a very tough time for those I know.

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i + i 6 months ago

Who owned the home and who's policy
was it? Very VERY unlikely any "language"
will help you if it was her home and HER policy.

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Casey Y 6 months ago

So, this depends on the type of policy your mom had. If she has "All Risk" contents, meaning the policy covers everything if not specifically excluded (it doesn't actually cover everything), then she's fine. If she did not, then there may not be any coverage for the cleanup.
Call your agent. Even if your policy doesn't cover the situation, they can recommend someone who can come and clean.

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Ricki 6 months ago

Did you talk to your insurance agent?

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Robt 6 months ago

That's NOT a biohazard.
That's a dead person the funeral home takes care of.
U simply get certified house cleaning crews to clean it.
Insurance companies have ZERO to do with that.
ALL out of ur pocket $$ , here.

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D J 6 months ago

I doubt it is covered by insurance.

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Stoo 6 months ago

Dead people are not biohazards. The place probably reeks a bit. Hire a cleaning company to do a thorough job and it's done.

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