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Does Insurance Cover Biohazard and Crime Scene Cleanup in California?

Homeowners policies, landlord policies and victim compensation, explained

In many cases, yes. Here is how coverage usually works, what the California Victim Compensation Board pays, and the paperwork Remedy Restoration provides so your claim is easier to approve.

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The Short Answer

Many homeowners and commercial property policies cover biohazard cleanup when it follows a sudden event such as a death, suicide, crime or accident. Coverage depends on your policy and deductible.

If the cleanup follows a crime in a home or vehicle, the California Victim Compensation Board (CalVCB) can reimburse up to $1,709, but only for work done by a cleanup company registered with the California Department of Public Health.

Private insurance
Who usually pays for cleanup

Homeowners and Renters Insurance

Most homeowner policies treat a death, suicide, crime or accident in the home as a sudden event, so cleanup of the structure is often covered after your deductible. Personal property may fall under the contents part of the policy.

Hoarding cleanup is different. Insurers usually see it as a maintenance issue that built up over time, so it is often not covered on its own. Call your agent or carrier early and ask what applies to you.

Rental Properties and Landlords

When a death or crime happens in a rental, the property owner’s policy usually covers cleanup of the building. The tenant’s renters policy, if there is one, may cover their belongings.

Property managers can call us directly

We work from the owner’s instructions and keep the tenant’s family informed.

State program

California Victim Compensation Board (CalVCB)

You can apply through victims.ca.gov or with help from your county’s victim/witness assistance office.

Crime scene cleanup
Up to $1,709

CalVCB reimbursement for crime scene cleanup.

All covered expenses
Up to $70,000

Total CalVCB compensation across all covered expenses.

Claim support

How We Help With Your Claim

We do not bill your insurance company directly. You pay us and claim the covered costs back, and we make that claim as easy as possible to approve.

See what jobs typically cost in our biohazard cleanup cost guide.

Dated photos

Before, during and after the work.

Written scope and itemized costs

So your adjuster sees exactly what was done and why.

Medical waste disposal records

Proof that regulated waste was handled correctly.

A direct line to your adjuster

When they have questions.

Your checklist

Documents to Gather

01

Policy and claim numbers

Your policy number and the claim number from your insurer.

02

Police report number

If a crime was involved (needed for CalVCB).

03

Death certificate

If the claim is being made by an estate.

04

Our invoice, photos and disposal records

We hand these over when the job is done.

Service area

Where We Work

We work across Monterey, Santa Cruz and San Benito counties, with typical arrival in two to three hours.

Any time, day or night.

Cities we serve

WHY REMEDY

Safety, privacy, and clear answers—at every step.

Sensitive cleanup requires more than equipment. You need a team that communicates clearly, protects your privacy, and follows proven safety protocols from the first call through completion.

Need help now? Call 831-216-8283

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WHAT YOU CAN EXPECT

Safety-led protocols

Established procedures guide every cleanup.

A clear plan

We explain the next step before work begins.

Discreet service

Your privacy and dignity stay protected.

Available 24/7

Reach a real specialist day or night.

FAQs

Answering Your Questions

Quick answers about insurance, CalVCB and paying for cleanup. Still have a question? Call us any time, day or night.

Does homeowners insurance cover crime scene cleanup?

Often, yes. Most policies treat it as a sudden event and cover cleanup of the structure after your deductible. Check your policy or call your agent to confirm.

Usually not on its own, because insurers treat hoarding as a maintenance issue. Some related damage may be covered, so it is still worth asking.

Usually the property owner’s policy covers cleanup of the building. The tenant’s renters policy may cover their belongings.

Up to $1,709, for crimes in a residence or vehicle, when the work is done by a CDPH-registered trauma scene waste practitioner.

You pay Remedy Restoration and claim the covered costs back. We give you a written scope and cost before work starts and all the documents your claim needs.

Yes. Family members can be eligible as derivative victims. A local victim/witness assistance office can help with the application.

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PRIVATE, 24/7 SUPPORT

Talk to Remedy Restoration About Cleanup and Your Claim

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