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 Dantes 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 Hoarding Impulsive Acquirers Excessively and impulsively acquires items Develop work arounds rather than discarding More addiction like qualities Worried Keepers Keep items as a safeguard for potential future need Attempted strategies to try and organize with limited success Struggle 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 isnt 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 Development Current 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

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