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Tom Gallagher
Florida-Licensed Insurance Claims Adjuster
Licensed claims adjuster translating insurance fine print into plain English.
Tom Gallagher is Biohazard Guard's Property, Insurance and Claims Advisor. A Florida-licensed insurance claims adjuster and former property manager with 18 years of experience, he has handled hundreds of biohazard and property-damage claims and guided property owners and landlords through coverage questions, costs, and the claims process after traumatic events. Tom writes our practical guides on insurance and cleanup costs and on landlord and property-manager responsibilities — advice grounded in real claims he has worked from first report to final payment.
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Latest articles
Insurance & CostsTom GallagherReading a Biohazard Cleanup Estimate: How to Spot Hidden Charges
A biohazard cleanup estimate should list labor, materials, disposal, and a fixed total. Here is how to read one, spot hidden charges, and know when to walk away.
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Landlords & Property ManagersTom GallagherShort-Term Rental Biohazard Cleanup: Host Duties and Turnover Steps
Short-term rental hosts must close a contaminated unit, report to the platform, and hire professional remediation with written verification before reopening. Here are the duties and turnover steps.
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Insurance & CostsTom GallagherRenters Insurance and Biohazard Cleanup: Coverage Explained
Renters insurance covers biohazard cleanup only when a covered peril caused the contamination. Check your peril list, limits, and loss-of-use coverage before an emergency forces the question.
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Landlords & Property ManagersTom GallagherRental Turnover After Biohazard Cleanup: Readiness Standards
A rental is ready after biohazard cleanup only when decontamination is verified, odor clears, repairs are complete, safety passes, and the turnover file is complete.
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Landlords & Property ManagersTom GallagherLandlord Liability for a Biohazard in a Rental Unit
Landlord liability for a rental biohazard turns on knowledge, response time, and cleanup quality. Learn how habitability, negligence, and disclosure rules apply, and the steps that lower your exposure.
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Landlords & Property ManagersTom GallagherLandlord Documentation After a Tenant Death in a Unit
Landlord documentation after a tenant death starts with a dated timeline and pre-cleanup photos. This guide covers the room by room log, cleanup paperwork, and turnover record Miami landlords need.
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