By The Restoration HQ desk · · filed under Claims & Coverage
Florida court: a dead body can be covered property damage
A Florida court held that human remains decomposing in a property can constitute covered "direct physical loss or damage," a coverage trigger that insurers had resisted.
FORCourts are confirming that biohazard and trauma losses are real, covered property damage, so price and document those jobs like the specialized work they are.
AGAINSTIt took a court fight to establish that a decomposing body damages a property, which tells you how hard carriers will fight even the most obvious trauma claims.
Consensus vs. contrarianContrarian: the trauma-cleanup niche is under-served precisely because the coverage was murky, this ruling is a quiet green light for operators willing to build that capability.
Sources Merlin Law Group, www.propertyinsurancecoveragelaw.com/blog/hu… ()