Can Homeowners Insurance Cover Crime Scene Cleanup?
Insurance Policies and Financial Assistance Options
Dealing with a crime scene, unattended death, or traumatic event on your property is overwhelming. Beyond the emotional toll, there’s the unexpected cost of biohazard cleanup. Many homeowners wonder: Does insurance cover crime scene cleanup?
The good news is that many homeowners insurance policies do provide coverage for professional crime scene cleanup. However, coverage varies depending on policy details, the nature of the incident, and insurance providers. At CrimeTech Services in Colorado Springs, CO, we help homeowners navigate insurance claims to ensure they receive the coverage they deserve.
In this guide, we’ll break down how homeowners insurance works for crime scene cleanup, what costs may be covered, and other financial assistance options available.
Does Homeowners Insurance Cover Crime Scene Cleanup?
Most standard homeowners insurance policies cover crime scene and biohazard cleanup under certain conditions. Typically, coverage falls under one of these categories:
✔ Vandalism & Property Damage – If a crime (such as a break-in, burglary, or homicide) results in blood or biohazards, your policy may cover cleanup costs.
✔ Accidental Death or Suicide – Many policies include unattended death and suicide cleanup, especially if it occurs in the insured home.
✔ Biohazard Remediation – Policies often cover bloodborne pathogens, bodily fluids, and forensic cleanup, ensuring the property is safe for reentry.
✔ Homicide & Violent Crime Cleanup – If law enforcement processes a crime scene, cleanup costs may be included under your policy.
What Homeowners Insurance May Not Cover
While insurance often covers biohazard cleanup, there are situations where claims may be denied or limited:
❌ Tenant-Related Incidents – If a crime happens in a rental property, the responsibility may fall on the landlord or the tenant’s renter’s insurance.
❌ Illegal Activity – If the homeowner or a resident was engaged in illegal activity that led to the crime scene, coverage may be denied.
❌ Business-Related Incidents – If the crime occurred in a home-based business, a commercial insurance policy may be required for coverage.
❌ Hoarding & Neglect – Biohazards resulting from extreme hoarding or prolonged neglect may not be covered.
How to File an Insurance Claim for Crime Scene Cleanup
If a crime or trauma occurs on your property, filing an insurance claim promptly can help with cleanup costs. Follow these steps to ensure a smooth claims process:
1. Contact Your Insurance Provider Immediately
Call your homeowners insurance company and explain the situation. Ask if crime scene cleanup is covered and request a copy of your policy details.
2. Obtain a Police Report (If Applicable)
If law enforcement was involved, request a copy of the police report. Insurance companies often require documentation to process claims.
3. Hire a Licensed Crime Scene Cleanup Company
Choose a certified biohazard cleanup company, like CrimeTech Services in Colorado Springs, CO. Insurance providers require professional remediation due to the health risks involved.
4. Document the Scene & Cleanup Process
Take photos and videos of the affected areas before and after cleanup. Keep all invoices, estimates, and reports from the cleanup company to submit with your claim.
5. Work With Your Adjuster
Your insurance adjuster will review your claim, assess damages, and determine eligibility for coverage. A biohazard remediation company can assist by providing documentation of the necessary services.
Other Financial Assistance Options for Crime Scene Cleanup
If homeowners insurance does not fully cover crime scene cleanup, other resources may be available:
1. Victim Compensation Programs
Colorado offers a Crime Victim Compensation (CVC) Program, which may assist with crime scene cleanup costs if:
✔ The incident involved a homicide, assault, or violent crime
✔ A police report was filed
✔ The victim’s family meets financial eligibility requirements
2. GoFundMe & Community Support
Families dealing with unexpected tragedy sometimes turn to crowdfunding platforms like GoFundMe to cover expenses. Local charities or victim advocacy groups may also provide support.
3. Payment Plans & Financing Options
At CrimeTech Services, we offer flexible payment plans and work with families to find affordable solutions.
4. Business or Commercial Insurance
If a crime, accident, or biohazard event occurs in a business, commercial insurance policies may cover cleanup and property restoration.
Why Hire CrimeTech Services for Crime Scene Cleanup in Colorado Springs?
Crime scene cleanup requires professional expertise, OSHA compliance, and compassion. At CrimeTech Services, we offer:
✔ 24/7 emergency response in Colorado Springs
✔ Insurance claim assistance – we work directly with your provider
✔ OSHA, EPA, and CDC-compliant cleaning protocols
✔ Biohazard removal, decontamination, and odor elimination
✔ Discreet, compassionate service for families in crisis
Final Thoughts
Homeowners insurance often covers crime scene cleanup, but the extent of coverage depends on policy details, incident type, and the insurer. If you’re unsure whether your policy covers biohazard remediation, contact your provider or consult with our team at CrimeTech Services for guidance.
Need Crime Scene Cleanup? Contact CrimeTech Services Today! 719-201-2726
We provide 24/7 professional biohazard cleanup in Colorado Springs, Fountain, Security-Widefield, Falcon, Peyton, Monument, Pueblo and nearby cities in Colorado, ensuring your property is safe, clean, and restored to its original condition with care and professionalism.