Does Landlord's Insurance Cover Hoarding Clean-Up?

Tuesday 19th December 2023

Ellen Warren

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A hoarder's bedroom

CONTENTS

If you are a homeowner and landlord, you will experience various tenant behaviours that can damage your home or leave it in a terrible state upon the end of a tenancy. Landlord's insurance exists for this very reason, but a tenant with a hoarding problem may leave you unsure of what steps to take.

At ICE Cleaning, we have seen first-hand what extreme hoarding can do to properties. That is why we offer hoarder cleaning services to help you navigate this process and restore your property to its original state. Whether you are a landlord or someone struggling with hoarding, we can help you.

Read on to learn more about UK landlord insurance policies and how they handle situations related to hoarding. 

Understanding hoarding and its implications for landlords

Hoarding, a disorder marked by excessive accumulation of items, can be concerning for landlords. This is not only due to the potential damage it causes to properties but also because hoarded homes can pose serious health and safety risks.

The NHS explains that hoarders often find it difficult to categorise, organise, or discard their possessions. Properties can become messy and unmanageable, leading to an array of problems.

The implications of this are wide-ranging. For instance, blocked exits may create fire hazards, while structural damage could occur from the sheer weight of stored items. These issues make hoarder cleaning services essential in restoring property conditions and maintaining tenant safety.

From an insurance perspective, things get trickier. Not all policies cover clean-up costs associated with hoarding - a detail that many landlords might overlook when selecting coverage options.

The UK landlord insurance landscape

UK landlord insurance policies are like a safety net for property owners. They offer protection against unexpected costs, such as damages or legal fees. 

Policies often cover building damage caused by fires or floods, but they can also extend to things you might not anticipate - tenant default or accidental damage, for instance.

When many landlords encounter severe hoarding situations, they may be unsure of what next steps to take or if they can afford the cleaning costs. Unfortunately, hoarding is not typically covered in standard insurance plans.

Navigating hoarding and insurance policies

When it comes to hoarding, coverage varies widely. In most cases, insurers define hoarding as persistent difficulty in discarding possessions, regardless of their actual value source. This leads to clutter that disrupts living areas and may pose risks such as fire or health hazards.

Policies typically have clauses addressing unhygienic conditions or property neglect - these might cover some clean-up costs. However, if damage results from wilful neglect or is deemed preventable with regular maintenance, claims could be rejected.

To mitigate risk, landlords should carefully review policy details for exclusions relating to tenant behaviour.

Mitigating risks associated with hoarding tenants

Landlords can adopt several strategies to lessen the risks linked to hoarding tenants. The first step is early detection; regular property inspections let you spot signs of excessive clutter.

Avoiding the problem is preferable to trying to tackle it, however this is not always achievable. In such cases, intervention becomes necessary. An open and understanding conversation can sometimes be enough to start addressing the issue.

In more severe situations, landlords might need help from professionals like ICE Cleaning, where our technicians specialise in cleaning services for hoarded homes.

The cost of these services may seem steep initially, but they are an investment towards preserving your property value and maintaining healthy tenant relationships.

The role of specialist cleaning services in hoarded homes

When hoarding becomes severe, specialist cleaning services can help to restore a property. That is where specialist cleaning services come in. They not only clear the clutter, but also ensure your home is clean and safe again.

Hoarding UK gives a fresh start by tackling even the most extreme cases with compassion and efficiency.

These cleaners do not just discard everything; they sort through items, saving what is valuable or sentimental. Their expertise also allows them to identify potential hazards like mould or structural damage you might miss.

Cleaning up a hoarder's house can be expensive, with an average cost of £650 for house clearance. However, this investment protects both landlords' properties and tenants' well-being.

Facing a hoarded home alone can feel overwhelming. Professional help makes this task more manageable while respecting everyone involved – because no one should face such challenges alone.

Seeking legal advice for complex hoarding situations

When dealing with severe hoarding situations, landlords often find themselves uncertain. The complexity of these cases can make them hard to manage without expert guidance.

CIA Landlords mentions that tenants are favoured over landlords, so if you intend to evict a hoarder, you will require legal counsel. This is because evicting a tenant due to hoarding could be seen as discriminatory if the behaviour is linked to mental health issues.

A solicitor experienced in property law can help you understand your rights and responsibilities, ensuring you navigate this complex situation correctly. They'll guide you on how best to communicate with your tenants and provide practical strategies for resolution.

In some instances, it may also be necessary to involve local authorities or social services who have powers under the Care Act 2014 – something that would need careful consideration given potential implications for both landlord and tenant.

Frequently asked questions

Do insurance companies cover hoarders?

Some insurers might provide coverage for damage caused by hoarding, but it is not guaranteed. It varies from policy to policy. 

What is the average cost to clean a hoarder house UK?

The cost can range widely depending on severity, but typically you are looking at between £500 and £3000 per job.

Who pays for hoarder cleaning?

The property owner pays unless they have an insurance policy that covers such scenarios or if local authorities intervene.

What is the fastest way to clean a hoarder's house?

Hiring professional cleaning services speeds things up because they know how to handle these situations efficiently and safely.

Get in touch

For help cleaning a hoarder property, contact our team today for a free site survey and no-obligation quote. Our technicians offer thorough hoarder clean-up services, where we declutter and decontaminate an entire property, ensuring it is safe to occupy again.

At ICE Cleaning, we cover all areas in the UK, operating 24/7, 365 days. Our cleaners and support staff are always available when you need them, ensuring you can reach them at 0208 066 0360 or enquiries@icecleaning.co.uk any time.

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