If you struggle with hoarding, you can put your health in danger due to these dangerous and unsanitary conditions created by clutter. What’s worse, hoarding may also make your possessions insurance claims denied. That is because most risks that arise due to hoarding occur because of neglect and poor home maintenance.
Yet, you are probably able to get homeowner’s insurance without difficulty. To approve or deny your request, the insurance representative conducts a”drive-by” inspection of your home. And, if you don’t have piles of possessions in the yard, you will be granted the policy.
However, you might be left without coverage when you want to renew your policy or if an insurance broker performs a home inspection for any reason.
The Way Hoarding Affects Your Own Insurance Claim
If your home is in poor condition, the adjuster may recommend not minding your coverage. However, you may get a warning from the insurer — to repair the safety hazards and maintenance concerns in a restricted timeframe — or risk losing policy.
The Typical dangers associated with hoarding include:
- Fire — Too much mess (i.e, newspaper, plastic, and flammable materials) could begin a fire, especially when it accumulates around heating valves, stoves, or power outlets. From the kitchen, the accumulation of dirt, food products, and crap raise fire risk.
- Water Damage — Due to this clutter, hoarders conduct limited roof and plumbing maintenance, which can 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 difficult to differentiate between pre-existing and new harm. Most insurance companies don’t cover mold damage as it is regarded as a house maintenance issue. Stop water flows and declutter your house to prevent mold. Visit this water damage restoration company in San Fernando Valley PuroClean to learn more about water damage restoration.
- Pests — As rodents and insects are attracted to unchecked, cluttered garbage, they can damage the walls, wiring, and even base, leading to dangerous living conditions.
- Trip Threats — Excessive amounts of contents in the home create a trip hazard for the insured and their guests.
- Blocked Exits — Belongings that block or block exits make it even more challenging to escape during a crisis. It can also prevent firefighters from entering the house if a fire starts.
Also, If the time comes to submit an insurance claim but your reduction was caused by one of the above-mentioned difficulties, your claim might be denied. The insurance adjuster could state that the damage wasn’t accidental. The loss might have been prevented in advance, but became inevitable as a result of enormous clutter accumulation. Another reason that your claim may be denied is that walking between rooms is a challenge, making finding the damaged area difficult.
Instead of waiting for your insurance company to assess your home or for a loss to happen, begin dealing with the issue immediately. This is the area where PuroClean comes in. Our certified technicians can sanitize and deodorize your home to bring it to a safe and insurable condition. Contact your regional PuroClean office for more information. You can find them here.