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Who pays to clean up a crime scene?

First let us take this question apart a little bit. There is no clear cut answer because every situation is different. In cases where the Police accidentally shot someone it may be the Police Department that is helping with costs. We have seen a lot of fights between property owners and families to try to determine who is responsible. Although there is no one size fits all answer. Most of the time the home will have property insurance. Most people agree that the easiest way to reduce the financial burden on anyone would be to allow the homeowners insurance to be used. This can be the same case for an apartment if the building allows the insurance to be enacted. When a insurance policy is enforceable to cover the costs of the crime scene cleaning or blood cleanup, then the only cost that the family is trying to cover is that of their deductible.

Not all insurance covers biohazard at a home. In fact in some cases insurance companies have become strict as to what they will or will not cover when it comes to the loss at your home. This is becoming much akin to the old style of individual health insurance that some of us remember the nuance of in the 90’s and early 2000’s. They may for example in the cases involving self inflicted death like a suicide, try to determine that your family member intentionally harmed the property. This of course was not the intention as the only intention was the sad outcome of the loss of life. There are a number of variables that go into any insurance adjusters decision. In a real life crime scene they may say that there was illegal activity taking place and attempt to void out a policy.

If you are like me and most people I know, reading a insurance policy and understanding them in general can be a lot to swallow. Due to this many of the leading brand names like ACT Cleaners do have professionals staffed that can read your policy and file claims on your behalf. They can help you better understand what is going to happen with your policy and begin setting up the cleaing.

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