Who Covers the Cost for Biohazard Remediation?
When faced with an unfortunate biohazard involving a blood spill from a crime, suicide, or an undiscovered death, one of the first concern may be, “how are we going to pay for this?”. What most people don’t know is that in most cases property insurance – both home or auto – covers the cost of the remediation. This can be a great relief as it is an unexpected event and can be quite costly to properly remediate. When using the insurance policy, typically the owner is then only responsible for their deductible amount.
When renting a property though, things can get a bit trickier as to who is responsible. Typically, a renter’s insurance policy will not cover anything associated with the property but covers a person’s personal belongings. So, who is responsible if the flooring, sub-flooring or walls that are affected by a biohazard? From our experience, ultimately the responsibility for cleaning up the rental property typically falls on the landlord because they have a legal obligation to ensure the safety and habitability of the rental properties itself. A reasonable landlord would not want to rely on someone without professional experience to remediate these situations because, if not done properly, an unhealthy living arrangement could be left for current or future tenants and thus cause a potential legal issue for them in the future. For a more in-depth details associated on landlord responsibilities, see our blog: Understanding Biohazard Cleanup: Who Covers the Cost in Rental Properties?
Obviously, each situation is unique. Contact T.A.C.T. 48 when faced with such an issue and use our expertise on who and how the costs can be covered.