Do I have to describe what happened in detail?

You need to give the insurer accurate basic facts about the cause of loss. You do not have to describe the scene in graphic detail; the provider's documentation and any official report usually cover that.

Biohazard Insurance Claim Worksheet: What to Record

Setting up your claim file

Pick one place.A folder, an envelope or a single notes file on your phone. Everything about the claim goes there.
Write down the basics.Policy number, claim number, adjuster name and contact, date of loss, and the investigating agency's report number if there is one.
Let the provider take photos.You do not need to photograph the affected room yourself. Ask the cleanup provider to photograph conditions before, during and after work and share them with you and the adjuster.
Keep a call log.Every conversation with the insurer or provider gets a line: date, who you spoke with and what was said.
Save every invoice and receipt.Including hotel stays, meals or travel if you had to stay elsewhere, which some policies cover as additional living expenses.

Sample call log

Date: Day 1
Spoke with: Adjuster name
Organization: Insurer
What was said or agreed: Claim opened; asked for written scope before work
Follow-up needed: Send scope once received

Date: Day 2
Spoke with: Estimator name
Organization: Cleanup provider
What was said or agreed: Assessment scheduled; will photograph affected areas
Follow-up needed: Forward photos to adjuster

Date: Day 3
Spoke with: Adjuster name
Organization: Insurer
What was said or agreed: Scope approved; payment to be issued jointly
Follow-up needed: Confirm how deductible applies

Copy this layout into a notebook or spreadsheet.

Documents your file should end up with

Written scope of work and any revised versions
Before, during and after photos from the provider
Itemized list of removed and disposed materials and contents
Waste disposal or manifest documentation
Final invoice, itemized
Any lab, ATP or verification results the provider performed
Receipts for temporary housing or related costs
Copies of all forms you signed
Adjuster's written approvals and payment letters

Questions to ask the adjuster

Do you need to inspect the property before cleanup starts, or can you rely on the provider's photos?
Is biohazard cleanup covered under my policy for this cause of loss, and under which section?
How does my deductible apply, and will payments be issued to me, the provider or both?
Does my policy include additional living expenses or loss of rent, and what records do you need?
Is there a separate limit for contents, and how should I list contaminated belongings?
Who do I contact if I disagree with the amount approved?

Common questions

Do I have to describe what happened in detail?: You need to give the insurer accurate basic facts about the cause of loss. You do not have to describe the scene in graphic detail; the provider's documentation and any official report usually cover that.

General information for the Denver area, not a quote or professional advice. In an emergency, call 911.