Cleaning Up After Somebody Dies In Building

Jun 11, 2016

  1. insurance1822
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    One of my clients on a commercial policy (6 unit LRO..) just had a tenant decease in one of the units. Apparently it went unnoticed for 3 days so there was a biohazard cleanup cost of 7k.

    Is this covered? She deceased on a couch & apparently one of the biggest costs was disposing of that couch. Of course the couch isn't my insureds property but obviously it had to be removed. I have no clue here?
     
  2. FL P&C Broker
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    I had an insured who had a house guest commit suicide and the claim was covered if that gives you any indication. Cleanup up was about $20k I believe.
     
  3. insurance1822
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    was it personal or commercial?
     
  4. FL P&C Broker
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    Personal

    .

    .
     
  5. InsCommentary
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  6. insurance1822
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    Well the carrier denied this claim. Had the person of shot themselves it would be considered covered under "explosion" and they also cited the bacteria/fungus exclusion too.
     
  7. Gulfman
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    Hmmm....renter dies at hom... probably happens all the time.

    Now im wondering ....what kinda policy would one need to have this covered ???


    ?
     
    Gulfman, Jul 8, 2016
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  8. shawnmwalker
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    No Coverage! Surprises me!
     
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