Can Hoarding Affects Your Homeowners Insurance?

If you fight with hoarding, you can put your health at risk on account of the dangerous and unsanitary conditions created by clutter. What’s worse, hoarding may also make your possessions insurance policy claims denied. That’s because most hazards that arise due to hoarding occur due to neglect and inadequate home maintenance. 

Still, you can probably get homeowner’s insurance without difficulty. To approve or deny your request, the insurance representative conducts a “drive-by” inspection of your home. And, unless you have piles of possessions in the yard, you will be given the policy.

But you may be left without coverage when you want to renew your coverage or when an insurance agent performs a home inspection for any reason.

The Way Hoarding Affects Your Own Insurance Claim

If your home is in bad condition, the adjuster may recommend not minding your coverage. However, you may receive a warning from the insurance company — to fix the safety hazards and maintenance concerns in a restricted timeframe — or risk losing policy.

The common hazards Related to hoarding include:

  • Fire — Too much clutter (i.e, paper, vinyl, and flammable substances) could begin a fire, particularly when it accumulates around heating valves, stoves, or power sockets. In the kitchen, the accumulation of dirt, food products, and trash increase fire danger.
  • Water Damage — Due to this mess, hoarders conduct limited roof and plumbing maintenance, which can lead to serious water damage. Also, if water damage occurs, the excessive contents around leaks may worsen the damage. And, even if a water loss is found, it is difficult to distinguish between pre-existing and new damage. Most insurance companies don’t cover mold damage as it’s considered a home maintenance problem. Stop water leaks and declutter your home to prevent mold.
  • Trip Threats — Excessive amounts of contents in the house creates a trip hazard for the insured and their guests.
  • Blocked Exits — Belongings that block or block exits make it more difficult to escape through a crisis. Also, it can prevent firefighters from entering the house if a fire starts.

Also, if the time comes to submit an insurance claim but your reduction was due to one of the above-mentioned issues, your claim might be denied. The insurance adjuster could say that the damage wasn’t accidental. The loss could have been prevented in advance but became inevitable due to enormous clutter accumulation. Another reason that your claim may be denied is that walking between rooms is a struggle, making finding the damaged region difficult.

Get Professional Hoarding Cleanup Services

Rather than waiting for your insurance company to evaluate your home or to get a loss to happen, begin dealing with the problem immediately. This is where PuroClean comes in. Our certified technicians will sanitize and deodorize your home to bring it into a secure and insurable condition. Visit PuroClean of Cary for more information.