Historically, insurance companies only inspect the outside of a home when conducting their due diligence. But that doesn’t mean they won’t revisit your account, especially if you’ve submitted a claim for a fire or flood and the on-site agent sees the condition of your house and pegs it as a hoarding hazard.
If your state has strict homeowner insurance laws, that scenario could lead to the immediate cancellation of your homeowner policy, usually under a “bad exposure” statute. More likely, though, you’ll get a notice from the insurance company demanding that you clean up your home and remove potential hoarding hazards.
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But why wait for that to happen? If you have a home that’s chock-full of potentially hazardous clutter, clean it up.
You just might be saving your insurance policy in the process.
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