In the spirit of Halloween, but staying away from the macabre, I am revisiting a topic blogged about previously by Chip Merlin and Nicole Vinson of our firm. Is the clean-up of dead bodies covered under a standard homeowners policy? I never thought I would come across a dead body claim, but I recently got such a claim covered for a policyholder after it was initially denied by the insurance company. As I explain in this video, insurance companies typically misapply the pollution exclusion to encompass the decomposition of remains. While this type of claim is rather unique, coverage should be afforded in most cases.
