Hoarding is a behavioral pattern of collecting and holding onto many items, even if they seem useless, and being unable to get rid of them.
Hoarding is a clinical disorder. It is recognized as a mental health condition in the Diagnostic and Statistical Manual of Mental Disorders.
We counsel family to not be angry with those in your midst with this disorder, not be embarrassed when we arrive.
There are five stages of hoarding, each increasingly more severe. We have attended to all five stages, many times.
Severe hoarding, requires disinfectant fogging application. Rotting food, dead rodents, fecal matter all have to removed safely. PPE required. Multiple dumpsters. Multiple crews.
Insurance Coverage: Damage to hoarding by the homeowner or family member, or tenant, is not typically covered by homeowner’s insurance. It is damage that has occurred over a long period of time, whereas insurance covers sudden and accidental losses, like broken pipes, fires, back up systems, and such.
The exception to coverage is if the hoarding damage is a part of a covered loss, like a water loss or a fire loss. A $2,500 water loss then becomes a $25,000 water-hoarding loss, and a fire loss doubles when hoarding is involved. Trauma scenes are also where we see hoarding, especially unattended deaths. We work with you and your insurance adjuster on such assignments.
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