Understanding Insurance Coverage for Biohazard Cleanup
One of the most common questions we receive at 911 Bio Clean is: Does my homeowners insurance cover this? The answer, in most cases, is yes — and the coverage often applies to more situations than you might expect.
What Events Are Typically Covered?
Homeowners and renters insurance policies in Michigan often cover biohazard cleanup resulting from:
- Crime scenes (homicide, assault, shooting)
- Suicide or trauma scenes
- Undiscovered death / decomposition
- Sewage backup (with the backup rider)
- Accidental contamination
What Is Usually NOT Covered?
- Rodent infestations (unless they caused direct structural damage)
- Hoarding cleanup (in most cases)
- Pre-existing mold not tied to a covered event
How to File a Claim
- Call 911 Bio Clean first. We assess the scene and document everything needed for your claim.
- We contact your insurance company directly. You don't need to navigate this alone.
- We open and manage the claim from start to finish, coordinating directly with your adjuster.
- In most cases, your out-of-pocket cost is zero — only your deductible may apply.
Why Choose a Company That Works With Insurance?
Not all biohazard cleanup companies are experienced in insurance claims. At 911 Bio Clean, we've handled hundreds of insurance-covered cleanup jobs throughout Northern Michigan. We know what adjusters need, how to document the damage, and how to ensure you receive full coverage.
Don't pay out of pocket — call us at (810) 250-3295 and let us handle it.
