How the Dangers of Hoarding Affect Your Homeowners Insurance

If you struggle with hoarding, you could put your health at risk due to these dangerous and unsanitary conditions created by clutter. What is worse, hoarding can make your possessions insurance claims denied. That is because most hazards that arise because of hoarding occur because of neglect and poor home maintenance. 

Still, you are probably able to get homeowner’s insurance without difficulty. To approve or deny your petition, the insurance representative conducts a”drive-by” inspection of your home. And, if you don’t have piles of possessions on the lawn, you will be granted the policy.

However, you might be left without coverage if you would like to renew your policy or when an insurance agent performs a home inspection for any reason.

How Hoarding Affects Your Own Insurance Claim

If your house is in poor condition, the adjuster might recommend not minding your policy. However, you may get a warning from the insurance company — to repair the safety hazards and maintenance issues in a restricted timeframe — or risk losing policy.

The typical hazards associated with hoarding contain:

  • Fire — Too much clutter (i.e, paper, vinyl, and flammable materials) can start a fire, especially when it accumulates around heating valves, stoves, or power sockets. In the kitchen, the buildup of grease, food products, and trash increases fire danger.
  • Water Damage — Because of the mess, hoarders conduct limited roof and plumbing maintenance, which may lead to severe water damage. Also, if water damage happens, the excessive contents around leaks can worsen the damage. And, even if a water loss is found, it is hard to distinguish between new and preexisting harm.
  • Mold — Water leaks and excessive trash can cause mold and other bacteria to flourish in the home. Stop water leaks and declutter your home to prevent mold.
  • Pests — As rodents and insects are attracted to unchecked, cluttered trash, they can damage the walls, wiring, and even foundation, resulting in dangerous living conditions.
  • Trip Hazards — Excessive quantities of contents in the home create a trip hazard for the insured and their guests.
  • Blocked Exits — Belongings that obstruct or block exits make it more challenging to escape during a crisis. Also, it can prevent firefighters from getting into the house if a fire begins.

Also, If the time comes to submit an insurance claim, however, your reduction was due to one of the above-mentioned difficulties, your claim might be denied. The insurance adjuster may state that the damage wasn’t accidental. The reduction might have been prevented ahead of time, but became inescapable as a result of enormous clutter accumulation. Another reason your claim may be denied is that walking between rooms is a challenge, making finding the damaged area difficult.

Get Professional Hoarding Cleanup Services

Rather than waiting for your insurance company to assess your house or to get a reduction to occur, begin dealing with the issue immediately. With professional hoarding or disaster cleanup solutions, you can declutter your home and remove dangerous living conditions. This is the area where PuroClean of Northridge comes from. Our certified technicians will sanitize and deodorize your home to bring it to some secure and insurable condition. Visit this website for more information.