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Name: Bio-One of Delaware
Brand: Bio-One of Delaware
Rating: 5.0 (55 reviews)

Homeowners insurance often covers biohazard remediation. The Bio-One of Delaware billing team can assist filing and submitting homeowner's insurance claims.

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Homeowners insurance often covers biohazard remediation. The Bio-One of Delaware billing team can assist filing and submitting homeowner's insurance claims.

Name of the insured

The name of the individual on the insurance policy.

Insurance carrier

Business name of the insurance provider.

Policy number

The insurance policy number.

Date of loss

This is the date when the event that caused the damage or loss occurred.

Typically, insurance will pay the full amount, less the deductible. Homeowners or the insured will then be responsible for paying the deductible

What if We Don’t Have Homeowners Insurance?

Bio-One of Delaware will visit the property to evaluate the situation and provide a remediation plan. Because insurance isn’t involved, we will work with the homeowner or next of kin directly to negotiate pricing and best next steps to help.

Renters Insurance

In many cases, renters insurance only covers personal property. Depending on the circumstances, we may just need to remediate personal property and renters insurance may cover this work, less your deductible.

if remediation includes changes to the structure of the property (removal of flooring, drywall, vanities, etc.) we will need to get permission from the property manager or property owner to complete remediation.

Often, Bio-One helps file two insurance claims in these situations. One to renters insurance and one to homeowners insurance.

Hoarding

Hoarding, unfortunately, isn’t covered by insurance. Bio-One teams offer estimates and will create a detailed remediation proposal to meet your needs and goals.

To help with payment, there are often local organizations or social service programs that may be able to help with funding. Ask your Bio-One office if they have referrals for help with payment.

Discounts and Offers

Many Bio-One locations actively offer extra discounts for sites involving children, law enforcement officers, other first responders, veterans, and military personnel.

Be sure to ask about these offers to see if your location is participating.

Accurate Estimates

At Bio-One, we make it a point to learn your goals and create an estimate that meets your expectations.

To do this, we will visit your property and tour the impacted areas. During this estimate, we’ll:

Evaluate remediation next steps
Ask key questions to learn what success means to you
Prepare an estimate that reflects our tour and discussion

Financing May Be Available

Rates from 0% APR
No hidden fees
Checking eligibility won’t affect your credit score

*Financing may not be available in all areas. Contact your local Bio-One for more information.

Susan Lipka, Delaware, 08/2025

This is a company you hope you never need but when you do, you’re grateful they not only exist but give prompt, professional service. Our sewage cleanup, which had to be done over several visits, was done well and Ryan kept us informed along the way as well as handling insurance claim for us. Team members Oscar and Toby were great to work with. Highly recommend.

Amber Arcaro, Delaware, 08/2025

Working in end-of-life care, we’re usually the ones offering comfort and support—so it was incredibly meaningful to be on the receiving end of such genuine compassion. From start to finish, Bio-One brought us peace during a difficult time. Ryan, in particular, showed such care and empathy. It was truly refreshing and deeply appreciated. From here on out, Bio-One will be the only disaster cleanup company we recommend and promote.

gayle linden, Delaware, 08/2025

I give this group of respectful young people a 5 star out of 5! They were all so dedicated to their work! Great job Toby, Freedom, Oscar, Prison and Chris!

Robert Barbour, Delaware, 06/2025

The staff was extremely helpful and kind, going the extra mile when they didn't have to. I would recommend this business to anyone.

Jones Devlin, Delaware, 06/2025

Highly recommend Bio-One! Incredibly grateful for Ryan's quick response to my difficult situation. Dan, Toby and Chris did excellent work. Can't say enough good things about this company.

Harley Short, Delaware, 05/2025

Tristian and Toby did an amazing job cleaning our store today. They were very thorough and knowledgeable!! Awesome job! Very pleased with their service.

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To provide accurate estimates, it’s critical we visit the property in person. A few of the things our teams evaluate are:

Biohazard

Hoarding

Location of the biohazard incident

Potential spread of the biohazards in unseen spaces (under flooring, drywall, carpet, etc.)

Number of items in the home that have been impacted

Time needed to set up OSHA zones and thoroughly disinfect personal property

Density of the debris

Time needed to sort through items

Identifying items that could be donated or should be saved

Disinfection process once the clutter is removed