Does Insurance Cover Crime Scene Cleanup? A Complete Guide

One of the first questions families ask after a traumatic event is about cost. The good news is that crime scene and biohazard cleanup is typically covered by insurance. This comprehensive guide explains what's covered, how to file claims, and how to maximize your coverage.

Types of Insurance That Cover Crime Scene Cleanup

Homeowner's Insurance

Most standard homeowner's insurance policies cover crime scene cleanup under "property damage" or "additional living expenses" provisions. Coverage typically includes:

• Biohazard remediation
• Structural cleaning
• Odor removal
• Damaged material replacement

Renter's Insurance

Renter's insurance often covers cleanup costs, particularly for personal property damage and temporary relocation expenses.

Commercial Property Insurance

Business owners are typically covered under commercial property policies for cleanup of incidents occurring on their premises.

Crime Victim Compensation

In Colorado, the Crime Victim Compensation program may cover cleanup costs for victims of violent crimes when insurance is insufficient or unavailable.

What Insurance Typically Covers

• Professional cleaning and sanitization
• Removal of biohazardous materials
• Disposal of contaminated items
• Odor elimination services
• Structural repairs and replacement
• Temporary housing if needed

How to File an Insurance Claim

Step 1: Contact Your Insurance Company

Report the incident as soon as possible. Most policies require prompt notification. Have your policy number ready.

Step 2: Document Everything

Take photos (from a safe distance) and keep records of all communication. Your cleanup company will also provide documentation.

Step 3: Get a Professional Assessment

A professional cleanup company will provide a detailed estimate that meets insurance requirements.

Step 4: Submit Your Claim

Working with a cleanup company experienced in insurance claims makes this process much easier.

How CrimeTech Services Helps with Insurance

We understand that dealing with insurance during a tragedy adds unnecessary stress. That's why we:

• Work directly with your insurance company
• Provide detailed, itemized documentation
• Photograph before, during, and after the cleanup
• Handle all required paperwork
• Advocate on your behalf for full coverage

What If You Don't Have Insurance?

If you don't have insurance or your coverage is insufficient, options include:

• Colorado Crime Victim Compensation
• Payment plans with the cleanup company
• Community assistance programs
• Victim assistance funds

At CrimeTech Services, we never let financial concerns prevent families from getting the help they need. Contact us at (719) 201-2726 to discuss your situation.