Does Homeowners Insurance Cover Crime Scene Cleanup In Houston

Facing clean up after a death or a severe accident in a residential home or commercial place can be emotionally challenging, especially for an unattended death. A crime scene is associated with clean up and disinfecting costs for returning the area into livable conditions.

Also, on how you will go about the cleanup, one of the common questions that people ask is whether homeowners insurance cover death clean up costs. Here is a look at whether homeowners’ insurance covers crime scene cleanup in Houston.

Determining If Your Home Insurance Cover Crime Clean Up

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An insurance policy is a complicated and lengthy contract. One way of ascertaining whether or not your insurance policy covers crime scene clean up is going through it. In case you need urgent, you can contact your insurance agent or insurer directly for inquiry.

Reach out to the claims adjuster or claims office associated with your insurance company. Coverage might vary depending on the specifics of the death or accident, so ensure you communicate what happened. If you find that your existing insurance lacks the coverage, consider adding this protection.

Does the Insurance Company Choose the Crime Scene Clean Up Service?

Your insurance company cannot select the cleaning company you use. According to how the crime scene cleanup houston law stands, you have the legal right to choose the crime scene cleanup service that you trust and desire to carry out the cleanup. If an insurance company tries to do so, it is illegal and is considered as steering.

Conclusion

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Depending on your homeowner’s insurance policy, the crime scene cleanup may be covered or not. However, most of the current insurance policies do offer this coverage. There is no guarantee that your insurance policy does not include the crime scene cleanup coverage, and hence, you should ensure you contact your insurance adjuster for conformation.