How Does #Hoarding Affect #Home #Insurance Rates?
#Hoarders experience many serious repercussions of their disorder, including home insurance rate increases. If an insurance agent performs a home #inspection for any reason and sees safety #hazards, the insurance company will send the hoarder a letter that outlines the hazards. The #homeowner will have a time limit to fix the hazards. If the repairs aren’t made, the home insurance policy could be cancelled.
Three common safety hazards hoarders experience in their homes include:
1. #Fire: Too much clutter could start a fire, especially when it accumulates around a heater vent, stove or power outlet. #Clutter could also block escape routes and prevent firefighters from getting into the home if a fire starts.
2. #Mold: Excessive debris can cause mold and other bacteria to flourish in a hoarder’s home. Not only is mold dangerous to a hoarder’s health, but most insurance companies consider mold to be a neglectful home maintenance problem that warrants rate hikes or a policy cancellation.
3. #Insects and Rodents: A home that’s full of trash will attract insects and rodents. When left unchecked, these pests can damage a home’s walls, wiring and even foundation, leading to unsafe living conditions.
Your book collection or pile of unopened mail doesn’t make you a hoarder unless it prevents you from using the bathroom or opening your front door. Consider removing clutter from your home, though, as you create a safe living environment.
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