Bio-One of Marion County decontamination and biohazard cleaning services

Does Homeowners' Insurance Cover Biohazard Cleanup?

Most homeowners' insurance policies cover the cleaning and decontamination of biohazard contaminants and damage resulting from a suicide, unattended death, crime, accident, medical emergency, and infectious disease.  In addition, the policy likely covers any repairs or replacement of structural elements (flooring, carpet and pad, baseboards, drywall) that must be removed as part of the remediation process. When a claim is first opened, the situation and details must be explained in a manner that helps to ensure coverage.   How the situation is explained to the claims representative can impact whether or not you are covered and how much is covered and mitigates delay in cleaning your home or property.

Bio-One Marion County has filed many claims on behalf of its clients. It can help you file a claim with your insurance company, guide you through the process and be your advocate to ensure that your insurance company provides all that you are entitled to based on your policy.

What if You Haven't Found the Homeowner's Insurance Policy?


Bio-One Marion County understands that the policy information is often not readily available or needs to be found inside the home after the cleanup is completed. If a loved one has passed in their home, we can help you find and recover the policy information as part of our cleanup efforts.

It is important not to delay the biohazard remediation and to avoid further damage to your property and emotional well-being. Bio-One Marion County is here to help, and we want you to be physically and emotionally safe; thus, the biohazard cleanup should be done without delay.

The Claim Process

  1. Bio-One Marion County will schedule with you a time and day to inspect and remediate the scene where the death or accident occurred.
  2. Bio-One Marion County will take the necessary photos and measurements to document the scene before, during, and after the biohazard remediation process. 
  3. Bio-One Marion County will collect the homeowner's insurance policy information necessary to file a claim on your behalf.  We will need the insurance company's name, the insured's name, and the policy number.
  4. Bio-One Marion County will call the insurance company's national claim line and provide detailed information to the claim handler so you don't have to. The claim handler will open a claim and, in most cases, provide us with a claim number and the assigned adjuster's name and contact information.  To protect our client's emotional well-being by not having to relive the details of the situation, we ask the adjuster to contact us directly so we can explain the situation in detail and the work that was done and discuss the next steps for any work that still needs to be done to remediate odor, cross contamination or repairs.
  5. Once the adjuster and Bio-One have spoken, the adjuster will contact you to verify the claim, get additional information, if necessary, and then discuss coverage with you.
  6. Once the job is complete, Bio-One will submit the documentation, a properly formatted invoice, a report, and photographs to the adjuster.  We inform the adjuster what repairs, if any, must be made to the structure. 
  7. The adjuster may call you to schedule an appointment so a field adjuster can visit the property to inspect and take measurements for funding the repair and replacement of covered items and structures.
  8. The insurance company will mail you a check for less than the deductible or send Bio-One Marion County a check directly for our portion of the claim, and we will invoice you for the deductible.

Bio-One Marion County has your best interest in mind when filing a claim and dealing with the assigned adjuster. How the case is presented, and the documents submitted are essential to helping to ensure that the only out-of-pocket expense is deductible.

Please note that most biohazard claims are covered; however, all policies are different, and coverage varies based on the type of policy and named peril exclusions. Deductibles typically vary between $250-$2,500 but could be higher depending on the policy. Not all insurance companies will permit third parties to file a claim on behalf of the insured. In those few cases, we will file the claim alongside you, guide the process for you, and do our best to shield you from reliving the details.

Bio-One of Marion County is a locally owned and operated biohazard and hoarding cleaning company serving Indianapolis and surrounding areas. We specialize in blood, bodily fluid, and feces removal, rodent droppings cleaning, sewage cleanup, hoarding and pet hoarding cleaning, gross filth cleanup, and odor removal services. Helping people who are faced with difficult situations to get their surroundings and lives back in order is our #1 priority. 

Bio-One is here to help you 24/7, 365 days a year!  Call (317) 499-0614, and you'll speak directly to one of us when you call; there is never an answering service.  We'll treat you like a person with the compassion and respect that you deserve. 

Preparing to clean an undiscovered death
Preparing to remediate an undiscovered death scene

Biohazard cleaning crews are often tasked with the challenging job of cleaning up after traumatic incidents such as homicides, suicides, or accidents. While these situations are certainly difficult, they are also typically well-known and documented. However, there is another type of death that is much less talked about and can leave an even more significant impact on those left behind: undiscovered death.

Undiscovered death occurs when a person dies alone, and their body goes undiscovered for an extended period of time, often weeks or even months. These types of deaths are especially common among elderly people who live alone or individuals who do not have close family or friends to check on them regularly. In these cases, the person may have died from natural causes, suicide, or other factors, but the body decomposes without intervention.

Dealing with an undiscovered death can devastate family members and loved ones who may not have known that their relative or friend had passed away until weeks or even months later. The discovery of a decomposing body can also be traumatic for first responders and cleaning crews, who must deal with the physical and emotional aftermath of such a scene.

Cleaning up after an undiscovered death is a delicate process that requires specialized equipment, training, and experience. Biohazard cleaning crews must carefully remove and dispose of all biological materials, including bodily fluids and tissues, to ensure that the area is thoroughly decontaminated. They must also work quickly to address any odors and deodorize the space to help alleviate the psychological impact of the discovery.

In addition to physical cleaning, biohazard cleaning crews often play a crucial role in supporting family members and loved ones during the aftermath of an undiscovered death. They may work with law enforcement or other agencies to provide compassionate support and guidance during the difficult time.

Undiscovered death is a tragic and often overlooked aspect of death and dying. Biohazard cleaning crews play a critical role in addressing the aftermath of these situations and supporting the individuals and families impacted by them. Through their specialized training and expertise, these professionals help restore the affected area to a safe and sanitary condition while providing crucial emotional support and guidance during a difficult and traumatic time.

Bio-One of Marion County is a locally owned and operated biohazard and hoarding cleaning company serving Indianapolis and surrounding areas. We specialize in blood, bodily fluid, and feces removal, rodent droppings cleaning, sewage cleanup, hoarding, and pet hoarding cleaning, gross filth cleanup, and odor removal services. Helping people who are faced with difficult situations to get their surroundings and lives back in order is our #1 priority. 

Bio-One is here to help you 24/7, 365 days a year!  Call (317) 499-0614, and you'll speak directly to one of us when you call; there is never an answering service.  We'll treat you like a person with the compassion and respect that you deserve. 


Having been closed due to the pandemic, the National Law Enforcement Museum and Memorial (NLEMM) re-opened with the new Post-9/11 Exhibit: The Evolution of American Law Enforcement. On August 26, Bio-One was invited to a private opening reception to get a first-look and remember the brave men and women who ran toward danger 20 years ago. 

As described on the NLEMM websitethe Post-9/11 exhibit marks the 20th anniversary of 9/11 and honors the officers who rose to the challenge that day. This will be the first exhibition to focus on the significant changes to U.S. law enforcement that occurred in the aftermath of the 9/11 attacks.

One of the most impactful displays in the exhibit is a wall of photos depicting all the members of law enforcement who died as a result of 9/11. As described by Police1.com, 72 officers killed on September 11, as well as 236 officers who died of illnesses contracted while working in the hazardous conditions at the WTC.

There are 20+ artifacts on display that include airplane fragments from Flight 93, a steel beam from the World Trade Center, a limestone block from the damaged section of the Pentagon and part of the damaged food cart from Flight 93 when passenger Todd Beamer famously said, “Are you ready? OK. Let's roll.” (Police1.com

Bio-One is a proud 2021 corporate partner of the museum. To learn more about the exhibit and how you can help preserve the history of law enforcement, visit NLEOMF.org.


Bio-One Weekly Wrap-Up Week 7 Thin Gold Line Help First Business Second

Bio-One teams across the U.S. answer calls to help their communities and remediate a variety of scenes. In our new blog series, we'd like to bring you into the Bio-One world by sharing stories of the unique and important work we do for local communities.

Here is Week 7 of our Bio-One Weekly Wrap-Up. 

Thank You to the Thin Gold Line

The second week of April is a time to celebrate and thank telecommunications professionals who dedicate their lives to serving the public. Often called the thin gold line, 911 dispatchers are true heroes behind the scenes

Coast to coast, Bio-One teams found fun and unique ways to recognize the Thin Gold Line. 

Bio-One Helps Homeless Man with Vehicle Clean Up

This week, News San Diego reported "Homeless man's story inspires San Diego mom to enlist community's help", featuring Rene Flohr and Nicki Chipp-Flohr, owners of Bio-One. The Bio-One duo spotted a NextDoor post asking for anyone who could help 79 year-old, Les, who had been living out of his vehicle and was recently diagnosed with skin cancer. His vehicle was floor to ceiling full of items, and Bio-One was ready to help clean and disinfect the vehicle so it could be sold or donated. 

In a message to Bio-One owners, Nicki said, "I am very proud of what we are doing to help someone. I thought you’d all appreciate it, since we live the Bio-One motto of #helpfirstbusinesssecond." We couldn't agree more! 

Read the entire story on News San Diego. 

A "Week in the Life" at Bio-One

The Bio-One team in Tuscon, AZ had a busy week with work ranging from COVID-19 disinfections, mold remediations, bird dropping clean up, medical waste disposal, suicide remediation, and more. 

If you've ever wondered what it takes to be a crime and trauma scene cleaner, we recommend read through the Tuscon team's Weekly Wrap-Up! 

Crime and Trauma Scene Cleaners at Bio-One

Bio-One Weekly Wrap-Up Week 6 Crime and Trauma Scene Cleaning COVID-19 Disinfection

Bio-One teams across the U.S. answer calls to help their communities and remediate a variety of scenes. In our new blog series, we'd like to bring you into the Bio-One world by sharing stories of the unique and important work we do for local communities.

Here is Week 6 of our Bio-One Weekly Wrap-Up. 

Cherokee County Biohazard Remediation 

Lives in the Atlanta area were forever altered on Tuesday, March 16, 2021 after a shooting spree at three metro Atlanta spas left eight people, including six Asian women, dead within the span of 45 minutes. 

Our hearts and sympathies are with everyone impacted by this tragedy.  

Two weeks after the tragic events in Atlanta took place, Bio-One answered the call to remediate the spa in Cherokee County. Led by Michele O'Brien and Rebecca Phillips, the Bio-One team provided a quick response and thorough decontamination. Read more in our recent blog post. 

Bio-One Cherokee County Massage Parlor Biohazard Remediation

Tragedy in Rock Hill, South Carolina

As details from the tragedy in Rock Hill, South Carolina unfold, one Bio-One team paid special tribute to the victims, first responders and other local law enforcement officials. Bio-One owners, John and Jen Symons, live in Rock Hill and experienced the police response first-hand. "It's a tight-knit community. We just can't believe it," said Jen Symons. 

Their team is currently in communication with local law enforcement, and activity supporting neighbors through this difficult time. 

COVID-19 Disinfection at Dojo

This week, we're spotlighting the Atlantic City team where they are regularly disinfecting Ganguly's Mixed Martial Arts. According to Bio-One owner, Victor Russomanno, "We are contracted with a local martial arts studio to disinfect them weekly. In addition to their in-house protocol, we use an electrostatic sprayer to ensure maximum coverage and protection, to ensure those who are training are staying safe through our efforts."

Across the United States, Bio-One teams actively disinfect local businesses, government buildings, and residents in the fight against coronavirus. Learn more about our COVID-19 disinfection process. 


Bio-One Cherokee County Spa Shooting Biohazard Remediation

Lives in the Atlanta area were forever altered on Tuesday, March 16, 2021 after a shooting spree at three metro Atlanta spas left eight people, including six Asian women, dead within the span of 45 minutes. 

Our hearts and sympathies are with everyone impacted by this tragedy. 

We sincerely hope businesses never experience these types of events, because that means it’s the worst day of their lives. However, Bio-One teams are ready 24/7 in the event biohazard remediation services are needed.

Two weeks after the tragic events in Atlanta took place, Bio-One answered the call to remediate the spa in Cherokee County. Led by Michele O'Brien and Rebecca Phillips, the Bio-One team provided a quick response and thorough decontamination.

“When we walked into the spa, it was like time stopped,” said Phillips. “Things were there just like a normal day and then chaos happened. It was a heavy feeling, and we appreciate the opportunity to help.”

Previously, Bio-One has been trusted to remediate several mass shooting tragedies including Las Vegas at Mandalay Bay, Pulse Nightclub, the San Bernardino schools and Sandy Hook.