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Name: Bio-One of Rochester
Brand: Bio-One of Rochester
Rating: 5.0 (22 reviews)

Homeowners insurance often covers biohazard remediation. The Bio-One of Rochester 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 Rochester 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 Rochester 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.

Devon Alcorn, Rochester, 11/2023

My experience with Bio-One of Rochester is limited to my interactions with and observations of the company's owner, and I cannot express in ... this medium what a professional, thorough, and thoughtful person Kevin is. His attention to detail and being such a careful listener will help ease stress. Read more >

Josh Henry, Rochester, 11/2023

Kevin & his team are fantastic & deliver home runs on every level. Highest marks.

Mark Bankert, Rochester, 11/2023

Kevin is a real stand up guy! I can always count on him to finish a project and exceed my expectations. He’s intelligent, knows what he’s do... ing, and very responsible. I highly recommend Bio-One! Read more >

Monica Lowrie, Ithaca, 11/2023

Unfortunately there may be a time crime scene services are needed. Bio-One will leave fully habitable / operational property with complete... discretion and unmarked vehicles at any special requests. They also work with your insurance company. The owner Kevin, is the most considerate and compassionate person for the job. Attention to detail is key and he possesses that quality. Read more >

Ann Blue, Ithaca, 11/2023

Kevin approaches every aspect of his life with kindness, compassion, empathy and after careful observation, a plan for how to leave the situ... ation better than he found it. I cannot think of a better prepared person to handle complex, delicate situations than him. Read more >

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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