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Death and the insurance questions regarding human remains

Three readers pose questions regarding coverage related to the handling of postmortem human remains.

By FC&S Editors | Updated on July 26, 2017
It may be difficult for a property owner to recoup cleanup costs after a renter has died on site. Here, AAA Crime Scene Steam and Clean worker Carol Oguri and owner Kathie Jo Kadziauskas work on a Los Angeles condominium where a man died of natural causes but was not found for a week. (AP Photo/Jill Connelly)

Analysis brought to you by the experts at FC&S Online, the unquestioned authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website.

Question: Last year, one of our clients’ tenants was found dead in their apartment. The body was there about 2 weeks. A claim was reported to the insurance company, and the insured contracted a forensic cleanup company to handle the apartment. The carrier has since denied the claim, citing the pollution exclusion. I was hoping that you had some information or documentation that I can use to dispute the carrier’s position that the bodily fluids are not considered a pollutant.

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