Is Trauma Cleaning Covered By Insurance?

Tuesday 9th January 2024

Ellen Warren

No comments, yet!

A solicitor and client signing paperwork

CONTENTS

When a traumatic event unfolds, the aftermath can be devastating, especially if you are left to deal with the physical cleaning - a dangerous task. This is where trauma cleaning should step in, but checking your home insurance first for coverage can help you avoid large fees.

ICE Cleaning is a trusted cleaning company that offers trauma cleaning services, working closely with your insurance to ensure the best results possible. Our team work rapidly and discreetly, ensuring careful and thorough cleaning practices to reduce distress for you and your family.

Read on to learn about insurance coverage for these services, what policies might cover you, how to check if your situation qualifies, and how to deal with policy jargon.

Understanding trauma cleaning services and insurance coverage

Trauma cleaning services are a crucial yet often overlooked aspect of property maintenance. It involves thorough cleaning and sanitisation of areas impacted by accidents, violent crimes, or unattended deaths.

The need for trauma cleaning can arise unexpectedly, so having insurance coverage can alleviate the stress. Not all policies cover these services though, so knowing what your policy includes could save you from highs costs.

standard homeowners' policy might include this type of cleaning under certain conditions, while others may require additional riders or specialised plans.

When tragedy strikes, being prepared with the right insurance plan will ensure professional cleaners can come in and restore your home without causing further distress.

Types of insurance policies that may include trauma cleaning

Trauma cleaning often falls under various insurance umbrellas. Homeowners' policies may cover it if an insured event leads to the need for such cleaning. This could include burst pipes leading to biohazard conditions, which is where your policy steps in.

Renters' insurance could cover this, particularly when damage is beyond a tenant’s control and responsibility lies with structural issues from the property itself. However, it is essential to check whether trauma clean-up is included.

For businesses faced with these unfortunate situations, commercial property insurance might offer to cover trauma cleaning services after incidents that disrupt operations. Specialised policies exist for locations prone to specific risks, and can be tailored accordingly.

Criteria for trauma cleaning coverage under standard policies

Trauma cleaning often falls into a grey area within insurance policies. It is essential to sift through the policy details yourself or with a solicitor to understand coverage eligibility. 

First, one must prove that the incident causing the need for trauma cleaning is covered under 'named perils' or 'all-risk'. These terms refer to specific events listed in your policy — like burglary — or any unforeseen damage not explicitly excluded.

Next, you will want evidence of accidental and sudden occurrences. Insurers tend to cover incidents out of your control, so deliberate acts might not be eligible. Lastly, claims must be filed promptly following an incident, as delayed reporting can sometimes void potential coverage.

Remember, each insurer has unique criteria, so checking directly with them or consulting their guidelines on home insurance can clarify what may qualify within their framework for trauma clean-up services.

Limitations and exclusions in trauma cleaning coverage

Not every policy includes trauma cleaning, and those that do will have some limitations and exclusions - this is standard for insurance. For example, most policies set a cap for how much they will pay out and what you may need to contribute.

If your insurance believes the trauma was due to negligence or intentional acts, they may not pay out. Some exclusions - like 'pollution conditions' - can rule out certain biohazard cleaning services from coverage.

Lastly, time limits matter. There is usually a narrow window to report incidents; if you miss this, you could be left without support for cleaning costs.

The claims process for trauma cleaning services

Filing a claim for trauma cleaning services can seem daunting, but understanding the sequence of steps is key. Firstly, you must notify your insurer immediately after emergency services attend the site.

Next, documenting the scene is crucial. Insurers often ask for photos or videos — evidence that shows what has happened and why professional cleaning is necessary. You might also have to fill out forms detailing the event and its aftermath.

Lastly comes assessing coverage limits against quotes from cleaning companies like ICE Cleaning. It is essential because sometimes policy caps do not match the costs incurred during cleaning operations.

Navigating policy language related to trauma cleaning

Grasping the language in your insurance policy can be difficult if this is the first time you file a claim. But, when it comes to trauma cleaning, knowing the ins and outs could help later on. 

Most policies will not openly discuss covering a trauma cleaning, but it may be under 'specialist services' or similar terms. You must read your policy's 'definitions' section, which is where they explain legal jargon.

It is crucial because 'damage' might have a narrow definition that does not include all biohazard scenarios.

Another key area is the 'Exclusions' section. This lists what is not covered and can sometimes seem long. If there is any confusion over terms, do not hesitate to talk your insurance provider or speak to a solicitor.

Frequently asked questions

Who pays for trauma cleaning?

Insurance often foots the bill, but if not covered, property owners or responsible parties are liable.

How much do trauma cleaners get paid in the UK?

In the UK, trauma cleaners earn between £18k and £30k a year depending on experience and location.

What is trauma cleaning?

Trauma cleaning involves scrubbing away biohazards at crime scenes or places where serious accidents happen.

How much does biohazard cleaning cost in the UK?

Biohazard cleaning can set you back hundreds to thousands of pounds based on the scene's severity in the UK.

Get in touch

At ICE Cleaning, our trauma clean-up services are designed to ensure the best results, delivered discreetly and with complete care at all times. We work closely with your insurance to ensure you receive the best service and help you through a difficult period.

If you have any questions about our trauma cleaning services, call our team today at 0208 066 0360 or send an enquiry to enquiries@icecleaning.co.uk. We can help answer any questions you may have 24/7, 365 days a year - and our team works nationwide, offering emergency cleaning services the same day as your call.

Comment
Melissa Harrison

Melissa Harrison

Sales Representative

Add to contacts

Speak with me today,
I’m here to help

By asking you a few questions either via phone or email I can immediately provide a realistic estimation of the cost.

You’re in good company. We’ve cleaned for the following commercial clients… View all

Customer reviews

Our happy customers have rated our service as
4.9 on Google.

View All Reviews

Sue Sullivan

Star Star Star Star Star

7 months ago

Ice did a brilliant job and I would highly recommend them. Reilly in the office booked everything in and was most helpful, and then Harry came and…

Read more

Posted on Google

John Hatswell

Star Star Star Star Star

8 months ago

We had a pressing need to address concerns regarding a clean up of a Trauma site. Ice Services and Zoe were responsive, informative and professional.…

Read more

Posted on Google

Eddie Mack

Star Star Star Star Star

9 months ago

I’ve used ICE Cleaning a few times and the service has been absolutely terrific. Paul Gimenez was incredibly helpful and dealt with everything…

Read more

Posted on Google

Martha Sparkes

Star Star Star Star Star

9 months ago

Power cleaned my external brick walls and look very good. They were punctual, hard working and respectful. I would recommend them with no hesitation.

Read more

Posted on Google

Simon Nicholson

Star Star Star Star Star

9 months ago

Booked ICE Cleaning at short notice to help with the clean-up of our outdoor Event Site in Central London. Whilst they were unable to assist with our…

Read more

Posted on Google

Kim Barnes

Star Star Star Star Star

1 year ago

From start to finish, booking in with Jess in the office to Mark and Lee turning up for app 5-star service from start to finish..Quick turnaround…

Read more

Posted on Google

Mark Treasure

Star Star Star Star Star

1 year ago

We recently used ICE Cleaning to assist with the cleaning of communal areas and flats following a fire in a service riser. I initially spoke with…

Read more

Posted on Google

Martin Haw

Star Star Star Star Star

1 year ago

Very prompt, polite and professional service

Read more

Posted on Google

George C

Star Star Star Star

1 year ago

Very professional and the sales team are very helpful and easy to deal with. The job was carried out quickly and professionally and the site team…

Read more

Posted on Google

Derik Matheus

Star Star Star Star Star

1 year ago

ICE Cleaning is a great company to work with! They have been cleaning our office for two years, and we are thrilled to have them as part of our team.

Read more

Posted on Google

Dannil Sourez

Star Star Star Star Star

1 year ago

ICE Cleaning Solutions is a serious and responsible company that takes pride in their work.

Read more

Posted on Google

Sam Hart

Star Star Star Star Star

1 year ago

Very impressed with ICE cleaning, really efficient and had good service. Dealt with my mould issue in my gym really well and couldn’t be…

Read more

Posted on Google

Luke Stockwell

Star Star Star Star Star

1 year ago

We used ICE Cleaning at BT Sport for a Cage Warriors event in our studios. In previous years this event had caused multiple problems due to the risk…

Read more

Posted on Google

Danielle Baycanli

Star Star Star Star Star

1 year ago

ICE cleaning cleaned the floors and carpets of our school to a very high standard. The team was friendly and efficient and we were very happy with…

Read more

Posted on Google

Emma Bryan

Star Star Star Star Star

1 year ago

ICE cleaning completed a commercial clean for us. They were very professional, prompt, responsive and they event went back the next day to finish…

Read more

Posted on Google

Stuart Goodson

Star Star Star Star Star

1 year ago

Zoe as the first point of contact was extremely helpful and efficient. The decontamination of toxic mercury from my mother’s garage was…

Read more

Posted on Google

Nick Barringer

Star Star Star Star Star

1 year ago

I was dealt with very professionally from first contact through to completion. The people are pleasant and knowledgeable, the work was carried out…

Read more

Posted on Google

Jason Etherington

Star Star Star Star Star

1 year ago

Fantastic service, the technician was very understanding and talked us through the process and was happy to answer any questions. Work was completed…

Read more

Posted on Google

Alison Bailey

Star Star Star Star Star

1 year ago

On calling ICE following a spillage, I first came into contact with Zoe. At all times Zoe was courteous, calm and professional. I asked her to call…

Read more

Posted on Google

Elisabeth Underdown

Star Star Star Star Star

1 year ago

We came back from holiday to see a massive mould problem in 2 of our rooms. We checked around but found this company to be best priced, most…

Read more

Posted on Google
Why choose us

Why choose us?

  • Cater to a wide variety of cleaning situations
  • Nationwide coverage, available 24/7
  • Cater to commercial and domestic clients
  • Free survey provided prior to quotation 
  • Emergency response team
  • Offer a bespoke service designed to suit all your needs 
  • All technicians hold professional health and safety qualifications, including BICSc, IOSH, Dewpoint Professional & Safe Contractor 

We’re fully accredited

We place best practise, professional expertise and health and safety at the core of our business. We’re fully compliant with all legal obligations. You can view a list of our accreditations below, or visit our Health & Safety page for more information.

CSCS
BICSc
IOSH
SafeContractor
Dewpoint® Professional Corporate Membership
IPAF
NACSC
0208 066 0360Open 24/7
Close

We use cookies

If you continue without changing your settings we'll assume you're happy to receive our cookies.
If you'd like to change this just update your browser settings. Find out more.

Okay. I got it.