Millions of Americans—as many as 1 in 40—have hoarding tendencies, and it is even more prevalent among older people. Hoarding is different than collecting because hoarders pursue items with little value. Hoarders also have difficulty getting rid of any items. A hoarder’s house is more than just cluttered: it is overflowing with piles of stuff that can fill entire rooms.
Many homeowners experience the reality of a growing to-do list without the time or resources to get everything done. As issues pop up, we are faced with deciding whether to act right away or add the project to a list of things to fix later.
Besides being a potentially serious condition, you might be surprised to know that hoarding might have an impact on homeowners insurance. Below are a few ways a hoarding situation in your home could affect your insurance.