My neighbor is a 87 year old hoarder whose house burned 2 weeks ago (it’s a total loss) leaving an exposed roof, a deterioring building and now I have to smell rotting waste in addition to the smoke smell. Who knows how long before this house is torn down. I understand there is no guarantee that it will be torn down. Her insurance
company refused to tarp the roof. Her insurance adjusted will not return calls to our adjuster or to us. Once she gets her insurance pay off she can do what she wants with the money. I understand there is no stipulation that is has to be torn down and it’s up to the homeowner to do what they want with the house. My neighbor was elderly but I don’t think demented. We spoke to her and had been around her for neighborhood gatherings. We helped her with her dogs, her trash cans and other things. She was justt crazy with being a hoarder. ( Mayo clinic says hoarding is classified as an Obsessive Compulsive Disorder) She is an intelligent women but out of control, and from what I understand from a family member and former neighbors, she has been like this for years in her old house too.) She had 2 dogs, rats in her house and hoarded food and everything else. There are multiple rat traps around the yard.
The fire dept. could not get in the door -it burned very hot and there was damage to our house. A contractor recommended by our insurance adjuster has requested roof replacement, duct cleaning, and changing out our insulation. My concern is that as long as we live next to a rotting cesspool it is still going to waft into our house. We live on a conservation lake and I fear the rotting materials will contaminate the lake. We also live in Florida and it is storm season. In the last 2 weeks since the fire we have had at least 6 inches of rain- adding to the cess pool rotting inside the house. You can see the bugs in the air circulating above. Every day more of the roof caves in.
I am waking up at night unable to sleep because of the smell. In addition, my husband and I run our 2 businesses out of our house. This is costing us time and money. We have to handle all the details on our house and constant interruptions by contractors, municipal workers, neighbors, curiosity seekers etc. We are infuriated. We maintain our property and did nothing wrong and we are paying the consequences. Our house value has dropped now that we live next door to this mess. I am a REALTOR and I know this market. As long as that mess over there sits, our house is worth less. I have been contemplating moving for some time and now we are stuck here for ?????????
Can we go after her or her doctor sons for liability? They knew she lived like this and did nothing. They have been in her house multiple times and recently. She had a major heart surgery 3 years ago and they let her come back to that house and live like that. We live in a 55+ community and there are many independent living options that could have worked for her right here within a 2 mile radius.
She has insurance. I’m sure they have malpractice and personal liability insurance
. Do we have any rights at all? The house is in a revocable trust
. I would imagine they are the successor trustees of that trust. She is a lone trustee I believe according to the purchase documents of 7 years ago seen on the clerks website. I feel that there are some insurance dollars there someplace that could be gotten. We feel trapped here. What can we do? Anything?