ServiceMaster Restore and Matt Paxton, owner of Clutter Cleaner, hoarding and cleanup expert, and author of The Secret Lives of Hoarders have shared a partnership for almost a year now. Hoarding is a mental disorder and is becoming more of an issue every day. In an article in Claims Management, Dr. Ralph E. Moon explains how hoarding has become a concern to homeowners insurance and renters insurance providers. He states that there are several important risks associated with hoarding:
- Excessive contents storage creates a trip hazard for the insured and their guests.
- Contents obstruct pathways for egress in case of an emergency.
- Fire hazards and increased fire risk are created by accumulated paper, plastic and flammable materials.
- Accumulated organic matter creates foul and putrid odors.
- Hoarders tend to conduct limited or delayed maintenance on critical roof, plumbing, electrical and mechanical systems.
- Excessive contents obscure water losses, roof leaks and exterior moisture penetration, causing extensive and longer-term damage.
- When a water loss is discovered, differentiating between pre-existing and new damage may be difficult if not impossible.
- Excessive contents diminish ventilation, limit evaporation, encourage moisture retention and microbial growth, and support insect and rodent populations.
- Indoor air quality is impaired, creating health concerns that the insured may associate with a loss rather than with pre-existing conditions.
ServiceMaster Restore professionals take pride in serving others, demonstrating true compassion in critical situations following disasters. We are dedicated to making a difference in people’s lives and helping them get back on track. It’s empathy that comes from within- a perfect complement to the heartfelt dedication of Matt Paxton and Clutter Cleaner- and vital to navigating the feelings involved in a hoarding situation.
Resources: http://claims-management.theclm.org/home/article/hoarding-an-investigative-and-insurance-policy-challenge
