Interactive 2026 Florida Biohazard & Restoration Scope Estimator
Select your incident type, property type, and insurance status below to see the estimated 2026 Florida Xactimate remediation scope and your expected out-of-pocket responsibility.
2026 Florida Biohazard, Trauma & Restoration Cost vs. Insurance Coverage
Direct Answer for Families & Property Managers: Yes - standard Florida Homeowners (HO-3), Condo (HO-6), Landlord Dwelling (DP-3), and Commercial Property (CGL) policies cover sudden biohazard remediation, unattended death decomposition, suicide/trauma cleanup, and structural fluid removal. 007 Alpha BioClean, LLC (Florida Department of Health Biomedical Waste Transporter Permit #8043) bills State Farm, Allstate, Universal Property, Citizens, USAA, Travelers, Farmers, Heritage, Tower Hill, and Frontline directly via Xactimate so covered losses require $0 upfront out-of-pocket beyond your standard policy deductible.
| Remediation Scenario (Florida 2026) | Typical Uninsured Scope Range | Applicable Policy Type | Typical Insured Out-of-Pocket |
|---|---|---|---|
| Unattended Death & Advanced Decomposition (Subfloor/Drywall + Odor) | $4,500 – $16,500+ | HO-3 / HO-6 / DP-3 / CGL | $0 Upfront (Deductible Only) |
| Suicide, Homicide or Severe Indoor Blood / Trauma Scene | $3,500 – $12,000 | HO-3 / HO-6 / DP-3 / CGL + FL Victim Comp | $0 Upfront (Deductible Only) |
| Severe Hoarding (Levels 3–5), Bio-Squalor & Probate Estate Cleanout | $3,000 – $14,500 | HO-3 (Biohazard/Mold/Water Portion) / Estate | Free On-Site Insurance Audit |
| Emergency Water Damage, Category 3 Sewage & Toxic Black Mold | $2,800 – $15,000 | HO-3 / HO-6 / Commercial Property | Direct Carrier Billing |
24/7 Florida Dispatch & Instant Insurance Claim Verification
Submit below for an immediate callback from our Florida Command Desk (or call (954) 667-5595 24/7). We verify HO-3, HO-6, DP-3, and CGL insurance coverage directly.