Biohazard Claim Services By A Public Adjuster
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Is Biohazard Cleanup Covered by Insurance?
Insurance policies are intricate, and their application to Biohazard claims may not be as straightforward as most people assume. Our experienced team of Public Adjusters excel in examining residential and commercial policies and how these policies apply to these types of losses.
One of the key factors in determining whether insurance will cover biohazard cleanup is the specific language and exclusions found within your policy. Many standard homeowners or business insurance policies may not be clear as to how they will handle biohazard incidents, which can lead to confusion and frustration for policyholders. It is essential to thoroughly review your policy and understand the coverage limits, as well as any endorsements that may be necessary to ensure protection against such unique and hazardous situations. Our experienced team can help you navigate these complexities, ensuring that you are fully informed about your rights and options when it comes to filing a biohazard claim.
How Insurance Applies to Biohazard Claims
First, lets discuss what types of losses would fall under Biohazard Claims.
There many different occurrences that could lead to what is referred to as a biohazard claim and this may also vary depending on your policy and how they may or may not define these events. Here is a list of a few situations that could lead to a Biohazard Claim:
- Body Fluid Cleaning
- Bloodborne viruses
- Medical Waste
- Crime Scene – Homicide / Suicide Cleanup
- Trauma Cleanup
- Toxic Chemicals
- Unattended Death / Decomposition
- Industrial Accidents
- Meth or other illegal drug production Labs
The first step after suffering a claim like this is to engage a company to perform Biohazard Cleanup. For obvious reasons, this type of cleaning is very specialized, hazardous, and typically quite expensive.
Dealing with a Biohazard exposure loss is typically a very challenging process because it involves more than just addressing the damages. Our team of Public Adjusters at Claim Concepts are well-versed in handling such losses, approaching them with understanding and compassion. These claims are often large and complex losses. We aim to ease your burden by taking the stress often related to the claims process off of your plate.
Help with Claim Due to Biohazard Damage
While we can’t eliminate the problem, we can assist in reducing the strain and
Don’t go it alone. We’re here to ensure you get the settlement you rightfully deserve. Reach out for a consultation today.
Time and experience are crucial in evaluating your claim. Claim Concepts Public Adjusters are experienced in detecting and identifying damages, the proper construction methods needed to get the property back to its pre-loss state, and the proper use of estimating tools commonly utilized by insurance companies. Utilizing these skills and understanding of the claims process, we know how to navigate your claim to a full and proper final settlement, all while relieving you of the typical stress related to dealing with insurance claims.
Our job at Claim Concepts is to help people like you. Our passion and expertise are to put an accurate dollar value on your loss and relentlessly fight to recover it from your insurance company. We don’t work for the insurance company; we work directly for you with ONLY your interests in mind.
Trusting your insurance company to dictate the outcome of your claim would be similar to allowing the IRS to prepare your tax return. Most people would not be comfortable with this arrangement as there is an inherent conflict of interests.
As your seasoned Public Adjuster, we can assure you that we have your best interests at heart, and you will see it by how we fight for you.
Licensed Public Insurance Adjusters, Your Advocate for Fair Claims
We’re licensed by the state as Public Insurance Adjusters.
Our founder, Greg Roover, has the unique advantage of having worked for major insurance companies. This dual perspective equips him with the insights to understand their tactics, mindset, and procedures. His well-rounded experience has empowered numerous property owners to secure the claim settlements they deserve.
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Meet the Senior Public Adjusters at Claim Concepts
Our Commitment
Greg Roover, SPPA
Inspired by Personal Experience
Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for insurance companies as an independent insurance adjuster.
In 2006, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success.
In 2025, Greg earned the Senior Professional Public Adjuster (SPPA) designation from The Institutes, the highest designation available to public adjusters. Awarded only to seasoned professionals who complete a rigorous course of study and examinations, the SPPA reflects Greg’s commitment to mastering every aspect of the claims process on behalf of the policyholders he serves.
Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.
Greg's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #P017831 -
Georgia Public Adjuster -
Lic #2790971 -
South Carolina Public Adjuster -
Lic #716585 -
Tennessee Public Adjuster -
Lic #716858 - SPPA - Senior Professional Public Adjuster Designation
- NFIP Certified Flood Adjuster
- Former Independent Adjuster working for the Insurance Companies
- Former ICC Certified Residential Building Inspector
- Former Licensed: Mold Inspector/ Home Inspector
- Member FAPIA - Florida Association of Public Adjusters
- Member GAPIA - Georgia Association of Public Adjusters
Morgan "Eric" Thomas
From Adjuster to Advocate
Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios.
In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve
Eric's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #A263869 -
Georgia Public Adjuster -
Lic #3233218 -
South Carolina Public Adjuster -
Lic #3607940 -
North Carolina Public Adjuster -
Lic #3607940 - Former Independent Adjuster working for Insurance Companies (Since 1989)
- Former Insurance Restoration Contractor (Working for the Insurance Companies)
- Member FAPIA - Florida Association of Public Adjusters
- AIC - Associates In Claims
- Vale Institute - Large Loss Estimating
THE PROCESS
Our Proven Process Built on Precision, Leverage, and the Art of Resolving Complex Claims
Over many years, our team of seasoned professional Public Adjuster have developed a proactive claim management process to ensure our clients receive the proper settlement for their losses. We understand that proving your claim can be a daunting and time-consuming task, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss that you need and deserve.
Step 1 - THE DISCUSSION
Your Claim, Our Strategy – It all begins with a no-obligation, in-depth review of your claim. We know that by the time most clients reach us, they’ve already experienced confusion, frustration, or a settlement offer that simply didn’t feel right. We will review all claim documentation including estimates, letters, policy, photos, and any other relevant items. We will then work directly with you to map out the most effective path forward. Rest assured that we will only make an offer to work with you if we are confident that we will add value to your claim.
Step 2 - THE EVALUATION
Exhaustive Inspection & Document Review – Once we partner, our team immediately gets to work on your claim. We dive deep into your policy to ensure we fully understand how it applies to your specific loss, while carefully reviewing all existing estimates, photos and documentation. We then conduct an exhaustive, technology-driven inspection of the property using advanced field tools to document every aspect of your loss, ensuring nothing gets overlooked.
Step 3 - THE DEMAND
Estimate Preparation & Submission – We develop a comprehensive, line-item estimate utilizing industry-standard software, subjecting it to a rigorous three-tier review process covering field accuracy, technical precision, and compliance, to ensure nothing is missed. Once completed, we share it with you for your review, input and approval before submitting our entire claim package to the insurance company as The Demand.
Step 4 - THE NEGOTIATIONS
Expert Negotiation, Focused on Your Best Outcome – We stand strong on your behalf, skillfully negotiating for the resolution you need and deserve. When negotiations stall, we don’t back down, we guide you through your available dispute resolution options, to keep your claim moving toward the outcome you deserve.
Step 5 - THE RESOLUTION
Successful Resolution, Your Satisfaction is Key: The final step, this is what everything has been building toward. A fair resolution isn’t just our goal, it’s our standard. Our clients’ outcomes speak for themselves, and yours will too!
CLAIM QUESTIONS? WE HAVE ANSWERS
Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.
NO. Most states have laws stating that Public Adjusters are not allowed to represent the insurance companies. At Claim Concepts, we only represent the insuring public.
The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.
Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.
NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.
Yes! In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.
Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.
Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. Please call our office and speak with one of our Public Adjusters about your particular situation, we are always happy to help in any way we can.