Free Insurance & Assistance Clinic for Cincinnati Families Facing Cleanup Costs

The single most common reason Ohio families delay a cleanup is not fear of the work. It is the assumption that they cannot afford it. In a large share of those cases, that assumption turns out to be wrong.

We are running free, confidential insurance and assistance clinics for Greater Cincinnati families through the end of 2026. No sales pitch, no obligation to book anything. Just a walk through what your policy may already cover and what programs exist if it does not.

What Most People Do Not Know About Coverage

Hoarding cleanup and biohazard remediation in Cincinnati are frequently covered by homeowners, auto, and commercial insurance policies. Coverage is most likely where the situation involves a biohazard or follows a covered peril, and it is far more common than the average policyholder realizes.

The distinction that matters to a carrier is usually biohazard versus junk removal. A general cleanout of accumulated belongings is typically not covered. Remediation of blood, bodily fluids, decomposition, sewage backup, or animal-waste contamination frequently is, because it falls under damage and hazardous remediation rather than housekeeping.

The documentation gap

Most declined claims we see were not declined because the situation was uncovered. They were declined because the scope was documented as a cleanout instead of as remediation, with no itemization of containment, protective equipment, regulated medical waste volume, or verification testing. That framing is the whole ballgame.

What the Clinic Covers

Each session is one-on-one, confidential, and free. You do not need to have decided anything, and you do not need to be a current customer.

We go through your policy language to identify the sections most likely to apply. We explain what documentation carriers ask for and what a properly itemized remediation scope looks like. We walk through deductibles honestly, including situations where a claim is not worth filing. And we cover assistance programs, including ones that can cover up to $1,000 of cleaning costs plus other expenses, along with victim-assistance programs that apply in certain circumstances.

For estates, we also cover who bears responsibility when insurance does not apply, and what records an executor will want to hand to an attorney.

Who These Sessions Are For

Families facing a cleanup after an unattended death, where the costs arrive alongside grief and nobody has the bandwidth to argue with an insurer. Adult children stepping in for a parent whose home has become unsafe. Estate executors trying to get a property ready for sale. Landlords and property managers dealing with a biohazard event in a unit.

If you are somewhere in that list, the session is worth an hour even if you decide to do nothing afterward.

What to Bring

Your homeowners, renters, auto, or commercial policy declarations page if you can find it. The full policy document if you have it. Photographs of the situation, which also let us give you a free estimate at the same time. And any correspondence you have already had with a carrier, including a denial letter if one has been issued.

If you have none of that, come anyway. We can work from a description.

How to Book

Call the helpline on 1-888-577-7206 and say you want a claim-help session. The line is answered 24 hours a day, every day of the year. Sessions run through 31 December 2026 and can be held by phone, at your property alongside a free estimate, or at a neutral location if you would rather not have anyone at the house.

Everything discussed stays confidential. We do not contact your insurer, your family, or anyone else without your explicit say-so.

Facing costs after a death in the home? — See how our unattended death cleanup works