Thinking about your insurance isn’t usually the first thing on your mind when your home is the site of a crime, or loss of a loved one. While we hope it’s something you never have to consider, it can be helpful to know ahead of time what your homeowners insurance covers – and the good news is this: most homeowners insurance policies cover cleanup services.
Insurance is a safety net, to help you recover from life’s curveballs. However, a safety net isn’t any good if it doesn’t cover those surprises! You know your policy covers a fallen tree, you know it covers hail, but what about disasters, riots, or crime? For the most part (we can’t say all of them) your homeowners insurance has your back. Here are some, perhaps surprising, things your policy covers you might not know about.
Your Homeowners Insurance Can Cover…
Times are turbulent. With a country more politically active than ever, it seems like a daily occurrence that there is a march or protest somewhere. If your home is damaged from protests or rioting, worry not – your homeowners insurance will cover the cost to repair damages.
If you’re local to SoCal like us, then you know how insurance handles earthquakes or floods (usually separate policies for those specific disasters) but damage to your home caused by falling volcanic ash is frequently covered under standard policies. Not bad huh?
If you have ever been the victim of a breaking and entering, you know criminals don’t tend to treat your home with respect when they are thrashing your home. If your home is trashed, furniture broken, that sort of thing, your homeowners policy will cover the damages – though the amount covered varies on individual policies and how they handle depreciation.
It is not something we ever hope to see, but it can happen. Homes can be the site of an unattended, undiscovered passing, or a crime that leaves a biohazard state behind. If this should happen, rest easy knowing your homeowners policy likely covers the necessary work to bring it back to a livable condition.
Final Resting Places
You might be surprised to learn that your policy covers family member’s final resting places, whether they are on the property or elsewhere. Should a grave marker be damaged, vandalized, or removed your policy will help cover it.
The important thing to take away from this blog is that homeowners policies often cover much more than we might initially suspect. The only way to be certain is to reach out and ask!
The BIOClean Team and Homeowners Insurance
We are a bit of a niche industry, as you might imagine. A part of what enables us to help people as quickly and seamlessly as possible is to work with insurance companies as much as possible. That’s why The BIOClean Team works so closely with insurers to have solid relationships. When they know what our process is it makes us an easy call for them to make, or recommendation to give. It cuts out the run around and gets everything on the path to normalcy that much faster.
It makes the whole process smoother, and now you are a part of that process. You know your policy covers these kinds of incidents, you can move to get help right away, as soon as you’re able.
You Don’t Need Insurance For Our Help
If you are in a situation where you don’t have insurance but you need help don’t hesitate to give us a call. The BIOClean Team is here to help you, not companies. When dealing with the aftermath of trying times, the last thing you should have to worry about is cleaning.
Hopefully finding this blog has given you the peace of mind you need to move forward. Know that the BIOClean Team works to make the process as efficient as possible, whether that’s with or without insurance. You already have to deal with so much, let us shoulder that burden and bring your home back to a livable space again. Should you need our services, give us a call – we are available 24/7/365 and ready to move out and restore your property to livable conditions.