If you’re thinking about getting deep cleaning for your home or office, you might wonder, “Does insurance cover deep cleaning?” The short answer is, it depends. In this blog, I’ll explain how insurance works with cleaning services and whether you can get coverage for deep cleaning. By the end, you’ll know exactly what to expect.
What is Deep Cleaning?
Deep cleaning is a more thorough cleaning than regular cleaning. It involves cleaning areas that are usually missed in regular cleaning, like behind appliances, baseboards, carpets, and even air vents. It’s perfect for times when you need a more detailed cleaning, like before an event, moving in or out, or after a big renovation.
What Does Insurance Typically Cover?
When it comes to cleaning and insurance, there are two main types to think about:
- Homeowner’s Insurance
- Business Insurance
Each of these has different rules about what’s covered. Let’s take a look.
1. Homeowner’s Insurance
Most homeowner’s insurance policies do not cover the cost of regular cleaning or deep cleaning. Homeowner’s insurance is designed to cover damage to your home, like from fire, water leaks, or theft. But it doesn’t typically cover cleaning that’s not part of a bigger problem.
Does Homeowner’s Insurance Cover Cleaning After Damage?
If something happens to your home, like a water leak from a broken pipe, your homeowner’s insurance might help with cleaning up that damage. In this case, the insurance would cover things like cleaning up water-damaged carpets or walls, but not just regular deep cleaning.
For example:
- If your pipes burst and caused water damage, your insurance might pay for cleaning up the mess and repairing the damage. But if you just want a general deep cleaning, that wouldn’t be covered.
So, general deep cleaning is not something insurance usually covers.
2. Business Insurance
For businesses, deep cleaning might be needed to keep the place safe and clean. Some business owners wonder if their business insurance will pay for deep cleaning services.
Does Business Insurance Cover Cleaning?
Business insurance usually doesn’t cover regular cleaning services. However, if your business experiences damage from something covered by insurance, like a fire or flood, the insurance might pay for cleanup. But again, regular or routine deep cleaning wouldn’t be covered.
Does Workers’ Compensation Insurance Cover Cleaning?
Workers’ compensation insurance is for employees who get injured while working. It doesn’t cover cleaning, but it might pay for cleaning if there’s a health hazard at work, like a chemical spill, and cleaning is needed to keep workers safe.
When to Hire a Cleaning Service Without Insurance
Even though insurance doesn’t usually cover deep cleaning, it’s still a good idea to hire a cleaning service. A clean home or office helps improve your health, safety, and happiness. Deep cleaning removes dirt, germs, and allergens that can build up over time.
For example:
- At home: You might need deep cleaning before a special event or after a renovation.
- For your business: A clean workplace is important for your employees’ health and for making a good impression on clients.
How to Protect Yourself When Hiring a Cleaning Service
Here are some tips to protect yourself when hiring a cleaning service:
- Make sure the company is insured: Check if the cleaning company has insurance, so you’re protected if anything goes wrong, like damage to your property.
- Read the contract: Make sure you understand what’s included in the service before you sign a contract.
- Get an estimate in writing: Ask for a written estimate so you know exactly what the cost will be.
Final Thoughts
In most cases, insurance won’t cover deep cleaning. However, if your home or business has experienced damage that’s covered by insurance, like from a fire or water leak, cleaning related to that damage might be covered.
When hiring a cleaning service, make sure the company is professional, insured, and experienced. That way, you can be confident your space will be cleaned safely and effectively.
If you have questions or need help with deep cleaning, contact Gloria Cleaning. We provide top-quality deep cleaning services for homes and businesses, and we’re always ready to help.
Ready to Book Your Deep Cleaning?
Don’t wait! Contact Gloria Cleaning today for a free estimate and let us help you keep your home or office clean and safe.