We Handle Your Insurance Claim
From First Call to Final Payment
Filing an insurance claim after a traumatic event is the last thing you should have to figure out. 911 Bio Clean manages the entire process — documentation, Xactimate estimates, adjuster coordination, and direct billing — so you don't have to.
How We Handle Your Insurance Claim
7 steps — we manage most of them so you don't have to.
Call 911 Bio Clean First
Before you call your insurance company, call us at (810) 228-9282. We'll arrive within 1–2 hours, assess the scene, and advise you on exactly what language to use when you open the claim — so nothing is accidentally excluded from coverage.
Don't attempt any cleanup before we arrive. Premature cleanup can void coverage by altering the documented loss.
We Document the Scene
Our technicians conduct a full pre-remediation photo and video documentation of every contaminated surface, structural material affected, and square footage involved. This documentation is structured specifically for Xactimate — the software all major insurance adjusters use.
Our documentation package is accepted by State Farm, Allstate, Farmers, Travelers, Liberty Mutual, USAA, Auto-Owners, Citizens, and Frankenmuth Insurance.
We Open or Support Your Claim
We contact your insurance carrier directly to open the claim or provide supporting documentation to your existing claim. We know each carrier's claim intake process, the right departments to reach, and the specific language that avoids common coverage disputes.
We've worked with every major Michigan insurance carrier and know each one's adjuster protocols.
We Prepare the Xactimate Estimate
We prepare a comprehensive scope of loss in Xactimate format — the industry standard for insurance restoration estimates. This includes every line item: biohazard removal, structural material replacement, antimicrobial treatment, odor remediation, drying, and ATP clearance testing. Nothing is left out.
A properly formatted Xactimate estimate dramatically reduces the chance of a partial or disputed settlement.
We Work Directly With the Adjuster
When the adjuster inspects the property, we're available to walk them through our scope of loss, answer technical questions about OSHA requirements and disposal costs, and ensure every line item is properly understood. Most adjusters appreciate working with a professional team — it speeds up their approval.
In contested claims, we provide supplemental documentation including OSHA compliance requirements and industry pricing data.
We Complete the Job and Provide Clearance
After remediation, we provide the full close-out documentation package: ATP clearance test results, chain-of-custody records for all biohazardous waste removed, EPA disinfectant records, and a final property report. This package closes the claim.
ATP clearance documentation is required by most carriers before they will release the final claim payment.
We Bill Insurance Directly
We bill the insurance carrier directly whenever possible. You receive the claim settlement paperwork, but you don't have to manage payments between us and your carrier. Most Oakland County clients pay $0 out of pocket.
If there is a deductible, we'll discuss it with you before the job begins — no surprises.
What Michigan Homeowners Insurance Covers
Coverage depends on your specific policy and carrier — call us and we'll help you verify before we begin.
Crime Scene Cleanup
Covered under property damage / reasonable repairs provisions
Suicide & Trauma Cleanup
Covered under homeowners' policy for most Michigan carriers
Unattended Death / Decomposition
Covered when death occurred on insured property
Mold from Burst Pipe
Covered when mold resulted from sudden covered water event
Sewage Backup (with endorsement)
Requires sewer/drain backup endorsement on your policy
Hoarding Cleanup (with biohazard)
Some carriers cover biohazard component — case by case
Mold from Long-Term Neglect
Gradual/neglect-based damage generally excluded
Sewage Backup (no endorsement)
Not covered without sewer backup rider
Coverage determinations depend on your specific policy. This table reflects general Michigan insurance market norms — not a guarantee of coverage.
What Our Documentation Package Includes
Insurance claims for biohazard cleanup fail or get underpaid when documentation is incomplete. Our package is built to satisfy every major Michigan carrier's claim requirements — with nothing left out.
Pre-Remediation Photos & Video
Every contaminated surface, structural material affected, and full property walkthrough before any work begins
Xactimate Scope of Loss
Industry-standard estimate format accepted by all major insurance adjusters and carriers
OSHA Compliance Records
PPE usage logs, containment setup documentation, and biohazardous waste manifest
Chain-of-Custody Records
Tracking every item removed from the property — required by carriers and Michigan disposal regulations
EPA Disinfectant Records
Product names, application rates, and EPA registration numbers for every disinfectant used
ATP Clearance Test Results
Objective scientific proof that contamination was fully eliminated — by surface, with RLU readings
Final Property Photos
Post-remediation documentation showing complete restoration of all affected areas
Carriers We Work With
We have direct billing relationships and know the adjuster workflows at every major Michigan carrier.
Typical Claim Timeline
Insurance Claims — Common Questions
Will filing a claim raise my homeowners' insurance rates in Michigan?
Filing a claim for a traumatic event — crime scene, suicide, unattended death — typically does not increase your rates the same way an at-fault accident claim might. These are classified as sudden losses outside your control. However, every carrier is different. We recommend asking your agent before filing, which takes only a few minutes.
What if my insurance company says biohazard cleanup isn't covered?
This is a common initial response from claims representatives who are unfamiliar with the coverage provision. We request a formal written denial, then escalate to the adjuster with policy language citations and industry precedent. Most initial denials are reversed when challenged with proper documentation.
Do I need a public adjuster?
In most standard biohazard claims, a public adjuster is not necessary — we handle adjuster coordination ourselves. For very large or complex claims involving significant structural damage, a public adjuster may be worth consulting. We can advise after reviewing your specific situation.
How long does the insurance claim process take?
Most biohazard remediation claims in Oakland County are approved within 3–10 business days of the adjuster inspection. We accelerate this timeline by providing complete Xactimate documentation upfront so there's no back-and-forth delay.
Can you help if the death was a suicide? Will that affect coverage?
Yes — suicide cleanup is covered by most homeowners' and renters' insurance policies in Michigan. The manner of death does not void coverage for the property damage that resulted. We have extensive experience with these claims and handle them with complete discretion.
What if I'm a landlord, not the homeowner?
Landlord insurance (dwelling fire policies) typically covers biohazard remediation the same way homeowners' policies do. We work with landlord policies, commercial property policies, and property management company umbrella policies. Call us and we'll advise on your specific coverage.
