How Hoarding Can Cancel Your Home Owner's Insurance Policy
The hoarding condition is dangerous for all of those involved in the situation.
The Hoarder
Living amongst heaps of boxes, papers, clothing, knickknacks, and toys is a major health risk for a hoarder and their immediate family. An unsanitary living environment attracts rodents and insects which inherently lead to the spread of disease and illness. The deterioration of the property itself makes the home unfit for living, causing risks for fire, flooding, sewage backup and structural collapse.
The Hoarder’s Family
A hoarder tends to alienate themselves even from their closest family and friends. Relationships suffer immensely under the pressures and shame the hoarding condition causes. Oftentimes, family and friends of hoarders who have not been pushed away become engrossed in emotional and physical battles over the condition of the hoarded home.
The Hoarder’s Community
When a hoarded home becomes a fire, sewage or structural risk for the homeowner, it is also a risk to the neighboring homes in the area. A hoarded home can decrease the value of area properties as well as cause a direct hazard to those properties should a fire or flood occur. Rodents and insects can also migrate from a hoarded home to a neighbor.
Is having your insurance cancelled a risk you are willing to take?
Because of all of these inherent risks with living in and neglecting a hoarded home, home owner’s insurance agents and companies across the United States are cancelling the policies of hoarders at an alarming rate. According to insure.com, the #1 resource for insurance, agents are becoming more strict with their inspections. Along with cancellation of policies, hoarders are also being evicted from their homes due to the involvement of law enforcement and environmental officials.
Before the hoarding situation costs you or your loved one their home, you should contact a hoarding cleaning service specialist like Address Our Mess. Our certified technicians are capable of returning any property to its former beauty, creating a safe and healthy environment for the family that calls it home. Our specialists conduct hoarding cleaning projects with the utmost professionalism, courtesy, and privacy.
It is important to remember that anonymity and privacy are our top priorities. By teaming with Address Our Mess, you will be guaranteed service with unmarked vehicles and equipment, as well as technicians dedicated only to providing you with top quality service – not with sharing the details of your home with others.
Having a home owner’s insurance policy cancelled can result in default of a mortgage or even eviction from your own home. Team with Address Our Mess to solve your hoarding problem once and for all.