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Referral line for Canton and Stark County, Ohio24 hours a day, 7 days a week(330) 555-0163

Guide

Who pays for biohazard cleanup in Ohio?

There are four places the bill usually lands: an insurance policy, Ohio's crime victim program, a landlord, or the estate of the person who died. Often it is a mix.

Hands with an insurance booklet, a form and a pen at a dining table

1

Homeowner or renter insurance

Many home policies are written around sudden, accidental damage, and some insurers treat biohazard cleanup that way. Others exclude it or limit it. Policies differ too much for anyone but your insurer to say.

Call the insurer or your agent before work starts. Give the facts plainly and ask:

  • Is cleanup of this kind covered, and is there a limit?
  • Is removal and replacement of flooring or drywall covered?
  • Do you need photos or an inspection before work starts?
  • Will you pay the company directly, or reimburse me?

Write down the claim number and the adjuster's name. This site and the call line do not file or handle insurance claims.

2

Ohio Victims of Crime Compensation Program

If the cleanup follows a crime, the Ohio Attorney General's compensation program may help. Ohio Revised Code 2743.51 includes the cost of crime scene cleanup in the economic losses the program can consider: reasonable and necessary costs of cleaning the scene and repairing, for personal security, property damaged where the crime happened, up to a limit per claim set in the statute. Replacing clothing taken from a victim for medical care is included too.

The Attorney General's office lists these conditions for a new claim:

  • the crime was reported to law enforcement
  • the victim cooperated with law enforcement
  • the victim was not committing a crime that caused the injury (except in homicide claims)
  • the expenses are not fully covered by other sources such as insurance
  • you are the victim, the dependent of a homicide victim, or responsible for some of the victim's expenses

Applications are due within three years of the crime (ORC 2743.56). The program pays only what insurance and other sources do not. Its own page says it generally can't pay for property expenses, so ask the program directly which cleanup costs it will consider for your claim. The statute also lets the estate of a deceased victim, or someone who paid the victim's bills, file.

Sources: Ohio Attorney General, Apply for Victims Compensation, ORC 2743.51, ORC 2743.56

3 and 4

Landlords and estates

In a rental

Ohio law (ORC 5321.04) requires landlords to keep rental premises fit and habitable and common areas safe and sanitary. Who ends up paying for a cleanup depends on the lease and on what happened, so talk to the landlord early. ORC 5321.04

When the owner has died

If the person who died owned the home, the bill is usually dealt with while their affairs are settled. Ask the executor, or an attorney, before signing for work as an individual.

Cost

What drives the price

This site does not quote prices. A company will look at:

  • how large the affected area is and how many rooms are involved
  • what soaked into: carpet, pad, subfloor, drywall or furniture usually has to be cut out and removed
  • how long it was before anyone found it
  • how much of the room's contents has to be thrown away
  • how the waste has to be packaged and hauled
  • access: stairs, crawl spaces, tight rooms or a vehicle

Ask for a written scope and price before work starts.

Questions

Short answers

Will my insurance cover it?

Possibly. Only your insurer can say. Call before work starts and ask the questions above.

Can the crime victim program pay after a suicide?

The program is for crime victims, so it usually does not apply. Insurance sometimes does.

Does the cleanup company deal with my insurer?

Some do. Ask them before you agree to the work.

When you are ready

One call, no pressure to decide on the spot

Some people call within the hour. Others wait until the funeral is over. Either is fine. Keep the affected room closed until then and leave the cleanup to people with the right equipment.

Talk it through with someone now

You reach an independent cleanup company that covers your ZIP code. Ask what they would do, how they price it and when they could start. You decide whether to go ahead.

Call (330) 555-0163

Lines answered 24 hours a day, 7 days a week

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Call (330) 555-0163