Claim Assistance For Death Cleanup Covered By Insurance in Ohio & West PA

We’ve been assisting homeowners and businesses in claiming insurance for crime and other death scene cleanup services for decades. Some of our key claims assistance offerings include: Biohazard Cleanup (Blood/Bodily Fluids) Some homeowner and business liability insurance policies cover professional biohazard cleanup services, while others have additional peril coverage for these situations. These policies often include coverage for the hospital-grade disinfectants and may extend to the structural repairs (including replacing the damaged floor or contaminated drywall), especially when the biohazard results from covered perils such as crime scenes (homicides, assaults), suicides, accidents, or unattended deaths. We can help present your case well in front of the insurer to ensure maximum approval chances. Crime Scene Cleanup Property insurance usually covers decontamination after homicides, assaults, or violent crimes. For example, you might be covered for the safe and certified removal of blood, body fluids, and any forensic residue. However, standard homeowners and commercial insurers may approve your claim faster if a certified cleaning professional documents the scene. Americon can also handle insurer communication and negotiate the reimbursement amount. Suicide Cleanup Some insurance policies cover suicide cleanup services under the biohazard clauses. However, they require proof of professional services being used for blood and bodily fluid cleanup. So, your insurance company may request a Certificate of Treatment to confirm OSHA-compliant decontamination. This is because, according to Ohio EPA guidelines, anyone performing trauma or crime scene cleanup must comply with state regulations on medical waste disposal. Americon Restoration follows OSHA and EPA protocols and assists you with fast claims approvals as well. Unattended Death/Decomposition Cleanup Coverage from unattended death cleanup often falls under dwelling protection, with insurers approving costs for different cleaning methods such as enzymatic treatments and air scrubbing to restore habitability. Besides being a cleanup company, Americon also helps the home or property owner process insurance claims for the cleaning to ensure higher chances of approval from the insurer. We will document the cleanup space condition, talk to insurers, and help with fast processing. Trauma Scene Cleanup (Accidents/Injuries) Traumatic incidents, including industrial accidents, fatal falls, or other injuries, are usually covered in your residential or commercial property insurance policies if they include biohazard perils. The insurance company will likely reimburse you for the removal of biological materials and restoration of affected areas, such as blood-stained upholstery or contaminated surfaces. We can not only help you clean, decontaminate, and restore your property but also assist with the scene documentation, claim filing, adjuster/insurer communication, and amount negotiation. Hoarding Cleanup with Biohazards Insurance policies cover hoarding scenarios involving biohazard cleanup under biohazard or unsanitary condition clauses. However, it requires professional disposal, sanitization, and structural drying to meet health and safety standards. Americon not only helps you clean and restore the property following health and safety protocols, but we also help with filing claims and communicating with your insurer to make the process seamless for you from A to Z. Structural Repairs & Odor Removal Most homeowners’ insurance policies also cover the post-cleanup structural repairs (including flooring, baseboard, drywall, etc.) and odor elimination under dwelling protection, provided it is documented and presented to the company as a cost to address lingering smells or contamination from biohazards. Americon can help with documentation and restoration; you get fully professional assistance from claim filing to property restoration under one roof.

Does Insurance Cover Decontamination & Cleanup After Death?

Homeowners or property insurance often covers decontamination and cleanup after death if the policy includes biohazard or crime scene cleanup provisions. Coverage depends on the incident type, policy terms, and whether the death is classified as accidental, unattended, or criminal. Claims typically require police or coroner reports for verification.

Incident Type	Coverage Status	Key Requirements	Examples
Accidental Death	✅ Usually covered	Proof of accident (e.g., coroner’s report).	Falls, drug overdoses, and natural deaths.
Unattended Death	✅ Covered if the policy includes biohazard cleanup.	Documentation of decomposition (e.g., time since death, biohazard assessment).	Decomposed bodies discovered weeks after death.
Suicide	⚠️ Varies by policy/state	Police report confirming no foul play; may require mental health exclusion review.	Blood cleanup after self-inflicted gunshot wounds or drug-related suicides.
Homicide/Violent Crime	✅ Covered under crime scene cleanup clauses.	Police report, evidence of forced entry, or criminal activity.	Bloodstains, bullet holes, and tear gas residue.
Infectious Disease	✅ Covered if the policy includes biohazard risks.	Medical report confirming pathogen presence (e.g., COVID-19, MRSA).	Deaths involving contagious diseases requiring EPA-level disinfection.
Hoarding with Biohazards	⚠️ Limited coverage	Proof of biohazard link (e.g., feces, mold, or decaying waste tied to a death).	Cleanup after discovering a body in a hoarder’s home.

Note: Insurers cannot force you to use their preferred vendor—you have the right to choose a qualified biohazard company like Americon Restoration. Call us at 1-833-4373487 for swift assistance!

Areas Americon Restoration Serves in Ohio and Western Pennsylvania

We’re offering to assist with insurance claims for death and trauma scene cleanup services in the following areas:

Ohio

• Ashtabula County, OH: We’re offering death and trauma scene cleanup services in Ashtabula County, covering Conneaut and Geneva cities. But it’s not just that. We’re also assisting in insurance claims for trauma scene cleanup, helping you with documentation to justify your coverage.
• Cuyahoga County, OH: From Lakewood to Cleveland, we’re serving Cuyahoga County with death cleanup services and helping property owners make insurance claims properly, ensuring coverage for biohazard removal and blood decontamination.
• Cleveland, OH: Cleveland homeowners will receive not just thorough death cleanup services from our professionals, but we’re also helping them with insurance claims, validating coverage for trauma scene decontamination, and emergency cleanup services.
• Lakewood, OH: Whether you’re a homeowner or property manager in Lakewood, we’ll assist you with trauma scene cleanup insurance claims. Our certified professionals will help you with documentation for blood remediation, odor removal, and sanitization coverage.
• Cleveland Heights, OH: Get help from our OSHA-certified professionals for insurance documentation in Cleveland Heights. We’ll assist you in getting reimbursed for biohazard cleanup, odor removal, and sanitization services.
• Geauga County, OH: In Chardon and Chesterland cities of Geauga County, our experts help you with trauma scene cleanup services. In addition, we also assist with insurance claims for decontamination, sanitization, and odor removal.
• Kirtland, OH: We take care of the biohazard cleanup in Kirtland’s area and support insurance claims by documenting hazmat disposal and communicating with adjusters for coverage approval.
• Mahoning County, OH: Our Mahoning County clients get assistance with insurance coverage, whether for pathogen risk removal, blood and contaminants disposal, or complete sanitization. We serve residents in Youngstown and Boardman with quick and discreet services.
• Mentor, OH: Mentor homeowners trust us for our reliable death cleanup services. Our professionals assist Mentor residents in not just death cleaning services, but we also help them get insurance coverage for most of these decontamination and sanitization services.
• Mentor-on-the-Lake, OH: When a family in Mentor-on-the-Lake calls us after their loved one passes unexpectedly, we arrive within hours, help them with trauma scene cleanup services, and negotiate with their insurers to cover these services.
• Painesville, OH: In Painesville, we assist our clients in getting insurance coverage for biohazard remediation, odor removal, and sanitization, providing their adjuster with reports to justify coverage for decontamination and waste disposal.
• Portage County, OH: If you’re a Ravenna or Kent resident, get help with the insurance coverage process from the pros. Our team in Portage County will help with insurance claim documentation, covering the hazmat disposal, biohazard removal, and odor control expenses.
• Stark County, OH: Both residential and commercial insurance policies in Stark County cover death cleanup services. However, you need professional assistance to document safe and legal blood decontamination, biohazard remediation, and removal of any lingering smells. Our Canton and Massillon clients count on us for these services.
• Summit County, OH: We’re serving Summit County (including Akron and Hudson cities) for crime scene cleanup and insurance claims to cover the cleaning services, hazmat disposal, and brief sanitization services.
• Trumbull County, OH: From Warren to Niles, our Trumbull County after-death cleaning professionals are ready to assist you with insurance communication and help you get covered for most of these cleaning services expenses.
• Warren, OH: Insurance companies in Warren typically cover biohazard decontamination, odor control, and pathogen removal. Let us assist you with insurance claims for these trauma scene remediation services.
• Willoughby, OH: Our Willoughby clients process the loss of a loved one in peace while we handle trauma scene cleanup services for them. But it’s not just what we offer. Our compassionate team will also help you compile insurance documentation to justify coverage for emergency decontamination.
• Columbiana County, OH: For residents in Lisbon and East Liverpool, or anywhere in Columbiana County, we offer to assist with insurance coverage claims, for biohazard remediation, odor control, and pathogen sanitization.

Western Pennsylvania

• Beaver County, PA: Our Beaver County clients benefit from assistance with insurance documentation. From Aliquippa to Beaver Falls, we help our clients with coverage for crime scene remediation, odor removal, and biohazard sanitization.
• Butler County, PA: We cover Butler County, including Saxonburg and Evans cities, offering homeowners and businesses assistance with death cleanup insurance claims. You don’t worry; our experts will handle the documentation process, providing adjusters with proof of coverage needs.
• Crawford County, PA: Our death cleanup services in Crawford County (covering Meadville and Titusville specifically) usually involve hazmat disposal, odor control, and biohazard remediation. We’ll get you insurance coverage for most of these services with our expert documentation and negotiation capabilities.
• Lawrence County, PA: We help Lawrence County residents, whether from New Castle or Ellwood City, validate insurance coverage for pathogen decontamination, removal of any lingering odor, and sanitization.
• Mercer County, PA: We’re offering professional assistance in Mercer County, PA, for insurance documentation and coverage claims for different trauma scene cleanup services. Sharon and Groove City residents can contact us for claims assistance during these challenging times.

Location (Area)	ZIP Codes
Ashtabula County, OH	44003, 44004, 44005, 44010, 44030, 44032, 44041, 44047, 44048, 44068, 44076, 44082, 44084, 44085, 44088, 44093, 44099
Beaver County, PA	15001, 15003, 15005, 15009, 15010, 15026, 15027, 15042, 15043, 15050, 15052, 15059, 15061, 15066, 15074, 15077, 15081, 16115, 16117, 16123, 16136, 16141, 16157
Butler County, PA	15086, 16001, 16002, 16003, 16016, 16017, 16018, 16020, 16021, 16022, 16023, 16024, 16025, 16027, 16029, 16030, 16033, 16034, 16035, 16037, 16038, 16039, 16040, 16041, 16045, 16046, 16048, 16049, 16050, 16051, 16052, 16053, 16055, 16056, 16057, 16059, 16061, 16063, 16066
Columbiana County, OH	43920, 43945, 43962, 43968, 44408, 44413, 44415, 44423, 44427, 44431, 44432, 44441
Crawford County, PA	16110, 16111, 16131, 16314, 16316, 16327, 16328, 16335, 16354, 16360, 16403, 16404, 16406, 16422, 16424, 16432, 16433, 16434, 16435, 16440
Cuyahoga County, OH	44017, 44022, 44040, 44070, 44101, 44102, 44103, 44104, 44105, 44106, 44107, 44108, 44109, 44110, 44111, 44112, 44113, 44114, 44115, 44116, 44117, 44118, 44119, 44120, 44121, 44122, 44123, 44124, 44125, 44126, 44127, 44128, 44129, 44130, 44131, 44132, 44133, 44134, 44135, 44136, 44137, 44138, 44139, 44140, 44141, 44142, 44143, 44144, 44145, 44146, 44147, 44149
Cleveland, OH	44101, 44102, 44103, 44104, 44105, 44106, 44107, 44108, 44109, 44110, 44111, 44112, 44113, 44114, 44115, 44119, 44120, 44127, 44128, 44135
Lakewood, OH	44107
Cleveland Heights, OH	44118, 44121
Geauga County, OH	44021, 44023, 44024, 44026, 44033, 44046, 44062, 44064, 44065, 44072, 44080, 44086
Kirtland, OH	44060, 44094
Lawrence County, PA	16101, 16102, 16105, 16107, 16108, 16112, 16116, 16117, 16120, 16123, 16132, 16140, 16141, 16142, 16143, 16155, 16156, 16157, 16159, 16160, 16172
Mahoning County, OH	44401, 44405, 44406, 44408, 44416, 44422, 44429, 44436, 44442, 44443, 44449, 44451, 44452, 44454, 44460, 44471, 44490, 44501, 44502, 44503, 44504, 44505, 44506, 44507, 44509, 44510, 44511, 44512, 44513, 44514, 44515, 44555
Mentor, OH	44060, 44061
Mentor-on-the-Lake, OH	44060
Mercer County, PA	16113, 16114, 16121, 16124, 16125, 16127, 16130, 16133, 16134, 16137, 16145, 16146, 16148, 16150, 16153, 16154, 16156, 16159
Painesville, OH	44077
Portage County, OH	44201, 44202, 44211, 44231, 44234, 44240, 44241, 44243, 44255, 44260, 44265, 44266, 44272, 44285
Stark County, OH	44601, 44608, 44613, 44614, 44618, 44626, 44630, 44632, 44634, 44641, 44643, 44646, 44647, 44648, 44650, 44652, 44657, 44662, 44666, 44669, 44670, 44685, 44688, 44702, 44703, 44704, 44705, 44706, 44707, 44708, 44709, 44710, 44714, 44718, 44720, 44721, 44730, 44735, 44750, 44767, 44799
Summit County, OH	44203, 44210, 44216, 44221, 44223, 44224, 44230, 44232, 44233, 44234, 44236, 44240, 44241, 44250, 44254, 44255, 44256, 44260, 44262, 44264, 44278, 44281, 44286, 44301, 44302, 44303, 44304, 44305, 44306, 44307, 44308, 44309, 44310, 44311, 44312, 44313, 44314, 44315, 44316, 44319, 44320, 44321, 44325, 44326, 44328, 44333, 44334, 44372, 44393, 44396, 44398, 44399
Trumbull County, OH	44402, 44403, 44404, 44410, 44411, 44417, 44418, 44420, 44424, 44425, 44428, 44430, 44437, 44438, 44439, 44440, 44444, 44446, 44449, 44450, 44451, 44452, 44453, 44470, 44481, 44483, 44484, 44485, 44486, 44491
Warren, OH	44481, 44483, 44484, 44485, 44486
Willoughby, OH	44094

How Does Americon Restoration Help With Claims Assistance & Cleanup?

Americon Restoration is a cleanup service provider that cleans and decontaminates your property after a death, whether suicide, unattended death, crime, etc. However, we also help home and property owners with their insurance claims for cleanup after death. For this, we first document the scene, the extent of damage, talk to adjusters/insurers, negotiate, and help ensure the claim gets approved. And then we also clean the property. So besides helping with biohazard cleanups following OSHA and EPA protocols, we also help home or property owners file coverage claims for the cleaning and restoration work, so the money doesn’t come out of your pockets and instead your insurance policy is utilized. When the insurer releases the money, we get paid from that money.

Our Hazmat Professionals Offer Prompt Biohazard Removal for Homes & Businesses

Residential Property Types

• Single-Family Homes: Deaths from accidents, suicides, or unattended decomposition requiring biohazard cleanup.
• Apartments/Condos: Blood or bodily fluid contamination in shared walls, floors, or HVAC systems.
• Rental Properties: Tenant deaths (e.g., overdoses, suicides) necessitating biohazard remediation for legal re-rental.
• Vacation Homes: Unattended deaths discovered weeks later, leading to decomposition and odor removal.
• Mobile Homes: Cleanup after violent crimes, accidents, or hoarding-related biohazards.
• Garages/Sheds: Trauma scenes from accidents, suicides, or criminal activity in detached structures.

Commercial Property Types

• Offices: Suicides, workplace violence, or accidents requiring biohazard decontamination.
• Retail Stores: Cleanup after robberies, assaults, or unattended deaths during off-hours.
• Hotels/Motels: Guest overdoses, suicides, or unattended deaths in rooms.
• Schools/Universities: Trauma scenes from accidents, violence, or infectious disease outbreaks.
• Healthcare Facilities: Deaths involving contagious pathogens (e.g., MRSA, COVID-19) or bodily fluids.
• Industrial Sites: Fatal accidents (e.g., falls, machinery injuries) with blood or tissue cleanup.
• Restaurants/Bars: Violent crimes (e.g., shootings, stabbings) or overdoses in restrooms/dining areas.
• Warehouses: Unattended deaths (e.g., homeless individuals) or industrial accidents.
• Churches/Community Centers: Suicides, accidents, or deaths during events.
• Rental Properties (Airbnb/VRBO): Guest-related incidents (e.g., overdoses, suicides) requiring biohazard remediation.

Insurance Claims Need to Be Well-Documented & Handled Professionally

Getting claims approved for death cleanup can be messy and time-consuming, especially if it involves an undiscovered or crime-related death. In 2022, 97.8% of insured homeowners’ claims in Ohio and Pennsylvania were for property damage, with 6.9% involving ‘other damages’ that typically include biohazard cleanup, averaging $7,798 per claim. Liability claims, which may cover death-related incidents, had a high average severity of $31,690 but low frequency (0.07 claims per 100 policies). Upon discovering a death, you need to act fast to get professional help because delays are never good for your case. Denials often occur due to gradual damage (e.g., mold from decomposition), lack of biohazard coverage, or delayed reporting. Plus, claim processing takes 30–60 days and stalls without police reports or death certificates.  It’s a lot for anyone to handle alone, especially after going through the trauma of the death of someone you knew or loved. That’s where you need expert claims assistance and biohazard cleaning providers to handle everything for you. Professional cleanup services expedite approvals by documenting damage thoroughly and aligning with insurer requirements, reducing financial burdens for families.

5 Tips for Claim Approval For Death, Odor, Crime Scene & Biohazard Waste Cleanup

Americon Restoration helps its clients with the claims documentation, communication with the insurer, negotiations, and approval. Here are some things we think you should do as soon as possible after discovering death on your property. Document Everything Immediately Once it’s safe to enter the scene, take clear pictures and videos of all affected areas without touching anything. Things to note include:

• Biohazards
• Structural damage
• Lingering odors
• Affected contents nearby

Ensure the photos and videos are timestamped and write detail notes as well that describe each scene for instance large bloodstain on hardwood floor near bed, strong decomposition odor in hallway. This early evidence helps make your case stronger and avoid denial due to insufficient documentation. Secure Official Documentation Get copies of any official documents relevant to the situation such as police report, death certificate, corroner’s report (in case of unattended death). This will help you make your case stronger especially if its a crime-related claim. Communicate Carefully with the Insurer Clearly communicate with the insurer and stick to facts such as a death occured on xyz date and required biohazard cleanup to restore the space. Do not speculate about the causes because certain policies have exclusions such as intentional acts that could void your coverage. Keep detailed logs of every call, email, dates, and names of people involved, including company representatives and the adjuster. Understand Your Policy’s Fine Print Carefully examine the fineprint of your insurance policy and confirm coverage and limits for the death cleanup and structural repairs. If you have to temporarily relocate due to the cleanup or risk of contamination, ask for Additional Living Expenses coverage, which is included in most homeowners insurance. You may get reimbursement for the rental with ALE. Avoid Common Mistakes Do not waste time on claim filing; do it immediately. Delays in filing beyond the first 48 to 72 hours can hinder your approval, as it raises red flags because of the sensitive nature of the claim. Don’t discard any damaged items such as removed flooring, soiled furniture, soaked carpet, etc., until your insurer approves it, as they may require it as proof. Plus, an expert restoration and cleanup company like Americon can clean and restore most of your contents so you don’t have to spend on buying new ones.

Professional Death, Blood & Trauma Cleanup & Pathogen Decontamination in Ohio & West PA

• Fully Trusted & Licensed — You can trust us like many other Ohio and Pennsylvania businesses and families do. We are licensed, certified, and fully equipped to handle your property’s cleanup and assist you with the claims process.
• OSHA & EPA-Compliant — Your place will be completely disinfected from all blood following all the necessary regulations.
• Reliable Crew — We do get background checks on our employees before bringing them on board. We do a 90-day work trial with them.  We also do a criminal background check and an MVR report to ensure we are putting the best and hand-vetted people on clients’ property cleanups.
• 24/7 Available — Got an emergency at an odd time? Just call us. You can reach us anytime, we’re ready to help 24 hours a day, 365 days a year!
• Compassionate Service — Your privacy will be respected, and your situation will be treated with utmost empathy and sensitivity.

Americon Offers Prompt Death Cleanup Insurance Claim Assistance

It’s never easy to handle the aftermath of the death of a loved one or someone you knew, especially when they passed away on your property. You have to arrange for the transport of the deceased, then assess any damage from possible blood loss, biohazard contamination, gases and odors, or fluid seepage into the floor or nearby furniture. Then you also have to hire a cleanup company while handling the insurance claim. It’s a lot to deal with alone. That’s why you need a company that helps you do it all, from cleanup to insurance claims assistance, and then gets paid when the insurer releases the funds. Interested? Call 1-833-4373487 and we will handle the rest.