HOW HOARDING AFFECTS YOUR INSURANCE CLAIM IN VENTURA CALIFORNIA?

8/29/2022 (Permalink)

hoarding problem in ventura california

If you struggle with hoarding behavior, you could unintentionally be making your home a dangerous, unsanitary place to live. What’s worse, hoarding can also make your homeowners insurance claims denied.

In the eyes of an insurance company, hoarders are a higher risk than the general public. This creates greater liability, so the insurer may be unwilling to take on the risk of insuring your home. Here’s what an insurance company considers before covering a hoarder:

Fire Risk. When a home has become so filled with possessions that there’s no access to exits and stairs, there’s a real risk of death should a fie start in the home.

Water damage. Because of the clutter, hoarders conduct limited roof and plumbing maintenance, which can lead to severe water damage.

Structural Damage. Sometimes a hoarder has such a huge accumulation of belongings, the home can no longer bear the weight and this leads to structural damage.

Fall Hazards. The number of items in the home and the way they’re stored can create an increased liability risk of trip and fall hazards.

Blocked exits. Belongings that obstruct or block exits make it more difficult to escape during an emergency.

Depending on the severity of your hoarding habits, you may receive a warning from your insurance company to fix the situation or risk losing coverage.

Instead of waiting for your insurance company to assess your home or for a loss to occur, start dealing with the problem immediately. With professional hoarding cleanup services, you can declutter your home and eliminate dangerous living conditions. This is where SERVPRO of Ventura comes in. Our certified technicians can sanitize and deodorize your home to bring it to a safe and insurable. Call us at SERVPRO of Ventura (805) 656-3911