Hoarding – 2 Things Agents and Adjusters Need To Know When Faced With a Hoarding Claim
Agents and adjusters have been increasingly been challenged with insurance claims that involve hoarding. Their are two key things that will help insurance professionals limit their liability and close these claims quicker.
Potential Environmental Hazards
Potential environmental liabilities range from poor indoor air quality to unseen structural damage and even exposure to wild animals (snakes, rats, bats etc.) that may have infested the property. Key to limiting your exposure is to have a relationship in place with a restoration contractor that is trained to handle hazardous conditions.
The Emotional Component of Closing a Hoarding Claim
When a loss occurs in a hoarding environment, it can quickly become an extreme claims situation. We’ve had claims where we’ve gone in to do restoration work, removed contents, and the hoarder has decided that they want all their things back, There needs to be a very high degree of empathy to ensure that the client’s sensitivities are taken into consideration. Make sure your restoration contractor understands and is experienced to handle this.