Cleaning Up After Somebody Dies In Building

[insurance1822]

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?

 

[FL P&C Broker]

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.

 

[insurance1822]

was it personal or commercial?

 

[FL P&C Broker]

Personal

.

.

 

[InsCommentary]

Virtual University - I See Dead People...Are They Covered?

 

[insurance1822]

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.

 

[Gulfman]

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.

Hmmm....renter dies at hom... probably happens all the time.

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


?

 

[shawnmwalker]

No Coverage! Surprises me!