Does Homeowner Insurance Cover Crime Scene Cleanup?

Does Homeowner Insurance Cover Crime Scene Cleanup?

There are few things more traumatic and painful than having a criminal incident take place in your home. Unfortunately, crime might not be the only tragedy to strike your home if you don’t take proper precautions. Crime scene cleanup can be just as costly, if not more, depending on what went down and your insurance provider. 

Probably due to Hollywood shows, a lot of people believe that police will take care of the cleanup themselves. However, this could not be further from the truth. Victims will often have to arrange to clean up themselves, whether it be biohazards like blood or just general destruction. 

Does insurance cover crime scene clean up? Yes, most insurance policies tend to cover at least part of the damage, unless you’re dealing with an older policy or small provider – in which case you should consider updating it or even hiring a specialized provider. 

What Do I Do When I Find A Dead Body?

Unfortunately, most crime scenes that need professional clean up services are the result of violence of some sort, which often results in death. Most of us are not accustomed to dealing with cadavers and it can be quite daunting to figure out what to do next. Here’s a little guide below: (find more about unattended death cleanup here)

1. Don’t touch anything

Shock is a hell of a drug, and there are few things as shocking as seeing a dead body. So it’s not uncommon for people to tamper with evidence on instinct, whether it be moving or touching the deceased, or their surroundings. 

While it may seem hard – almost impossible – to remain calm in such situations, you’ll be interfering with the authorities’ investigation and lowering chances of them figuring out what went down. 

2. Call the authorities 

Pretty obvious – I know – but people often take a long time to do so, which is extremely important in these cases. There are plenty of cases where people are not actually deceased, and a timely intervention might spell the difference between life and death. If it seems there was violence involved, let them know. If you feel you might not be safe, leave, and call as soon as you are. 

3. Cooperate

If you find a corpse, you’re gonna get questioned, no way around it. However, you shouldn’t worry or feel threatened, they are just doing their job. Try to give them as much information as possible and remember as much as you can from the scene. 

4. Clean Up

If it’s your responsibility to clean up after the fact, you should get in touch with your insurance as soon as possible. They’ll either send their own people to assess the damage and clean up or will let you take care of it and reimburse you later. If that’s the case, contact professionals. 

How Long Does it Take to Clean Up a Crime Scene?

When the sanctum of the home is violated, getting things back to the way they were before is paramount to help victims recover, so both police and cleaners make it a point to expedite the process when possible. 

Usually, it’ll take somewhere between 4 and 10 hours to remove any biohazards like bloodstains and other fluids and restore the home to an inhabitable condition. This is subject to change depending on what went down, of course, so you’ll have to ask whoever is helping you through this for a more accurate estimate. 

How Much Does Crime Scene Cleanup Cost?

A usual crime scene clean up can cost anywhere from $2500 to $25,000. What factors the most into costs is the extent of the damage. To put it bluntly, but the blood splatter caused by a shotgun will require more restoration than a handgun or rifle wound. Likewise, if a body was left unattended for several days, the decomposition will create odors that are hard to get rid of and will increase costs in both labor and protective gear. 

As previously mentioned, it’s hard to put a number on how much cleanup could end up costing if you’re not insured. Circumstances make a BIG difference in the work that companies need to put in and the final price. 

What does crime scene cleanup cover?

Every insurance policy is different, but most homeowner insurances that cover crime scene cleanup can help you take care of the following:

  • Structural Damage: If a crime or accident took place in your home and left you with broken windows, doors, floors, or any kind of damage to your home, you can take solace in knowing your policy will most likely help you replace or cover the cost for repairs. 
  • Body Removal: If the worst happens and you’re suffering through the loss of a loved one, your insurance will cover a biohazard cleaning service that will take them to a funeral service company so you can have a proper farewell. 
  • Biohazard Cleanup: Unfortunately, in most violent crimes or accidents, there is blood or other fluids involved, that can stain or damage your home. Most insurance policies will cover the cost of removing and cleaning any biohazardous materials left behind.

Of course, you should always contact your insurance provider to make sure what is and what is not included in your policy. 

How To Find a Crime Scene Cleanup Company?

Getting certified as a crime scene clean up company is a lot easier than it should be. This results in a lot of unscrupulous people starting clean up companies just to take advantage of those who are grieving and don’t know any better. If your insurance company does not provide you with a crime scene cleanup company and you need to fin one yourself, we can help. 

Here at RestorationUSA, we pride ourselves on working only with the best of the best. Professionals who will help you restore your home from such a tragedy and treat you and your loved ones with respect and understanding are a click or phone call away. Get in touch to find the best crime scene cleanup companies in your area.