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Risk Management & Insurance
Renew Systems Waste and Trauma
Management
The Truth About Hoarding What is hoarding?
Collections of Collections Trouble getting rid of items Mental Illness Organization difficulty
Origins of Hoarding Dante’s Divine Comedy (1308 AD)
Charles Dickens’ Bleak House (1862)
1842 the novel Dead Souls, Plyushkin displayed hoarding
Erich Fromm suggestions of acquisition
Recognized in last 20+ years as a clinical disorder
Famous Hoarders
Ida Mayfield Wood $1 Million in cash – Hidden in pots & pans. Inside a Cracker Jack box was a diamond necklace $10,000 in cash sealed around her waist
Alexander Kennedy Miller $1 Million of Gold Bullion $60,000 in Silver Bullion $1 Million in promissory notes, stocks and shares.
The Collyers After they passed away, authorities removed over 140
TONS of debris from their home.
Behaviors of Hoarders
Indecisiveness Disorganization Perfectionism Avoidance Procrastination Difficulty with prioritization
FREQUENTLY CO-MORBID WITH: Major Depression Anxiety Disorders ADHD (Inattentive)
Two Types of HoardingImpulsive Acquirers
Excessively and impulsively acquires itemsDevelop “work arounds” rather than discardingMore addiction like qualities
Worried Keepers
Keep items as a safeguard for potential future needAttempted strategies to try and organize with limited successStruggle with Depression, anxiety, decision making
Risks of Hoarding
Why is it an Insurance Risk? Fire hazards Higher chance of injury Liability Blocked exits Poor home Maintenance:
Collapsing Attics Bursting Pipes Structural Damage
House Collapse
Fire Hazard
Costs of Hoarding In a month there are an average of 1500
evictions in San Francisco
SF task force says: total cost of hoarding is $6 million per year
12,000-15,000 residents in San Francisco struggle with this condition
Average clean up: $8K-16K
• ANIMAL HOARDING• BIBLIOMANIA : hoarding of
books/information• SYLLOGOMANIA: hoarding of
trash or waste• LARDER HOARDING: hoarding
of food
• RECYCLER HOARDING: vast collection of recyclables
• COLLECTOR HOARDING: hoarding of multiple collections of items
• SHOPAHOLICS: vast collection of purchased goods
Types of Hoarding
Possible Solutions? Exposure Evaluation
Professionals analyze in person to reduce risk
Program Development reviewing alternatives, we carefully weigh costs and
benefits, presenting you with clear, detailed recommendations
Communication It's important to fully understand your coverage,
what is and isn’t covered by the Insurance companies.
Approach a situation with sensitivity and care
Insurance Now
Insurer considers whether and how to act.
Coverage may be cancelled based on severity
Proper documentation to prove hoarding occurred after the issuance of coverage.
The law may require a household notice in warning
Points of DevelopmentCurrent Status
Diagnostic and Statistical Manual of Mental Disorders (DSM-5) aims to change Real impact in terms of the diagnosis & treatment. OCD vs. Hoarding Reclassification
May result in better treatment plans, aimed at asking the right questions
Bottom Line for Insurance Everyone's insurance differs
Hoarding's reclassification could mean better reimbursement.
If therapists misdiagnose, patients won't end up with proper insurance.
NOW: If diagnosed, insurance will cover
Prevention/Education Referrals to Mental Health Professionals
Marin Hoarding Alliance Institute on Compulsive Hoarding and Clutter NAPO: Professional organizers Children of Hoarders
Open and Honest Communication Respect Have Sympathy Encourage Teamwork Reflect ASK
RENEW SYSTEMS – WASTE AND TRAMA MANAGEMENT
CONTACT INFORMATION24 hour 7 days per weekEMERGENCY RESPONSE
