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Risk Management & Insurance

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)

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Risk Management & Insurance

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  1. Risk Management & Insurance Renew Systems Waste and Trauma Management

  2. The Truth About Hoarding • What is hoarding? • Collections of Collections • Trouble getting rid of items • Mental Illness • Organization difficulty

  3. 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

  4. 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.

  5. Behaviors of Hoarders • Indecisiveness • Disorganization • Perfectionism • Avoidance • Procrastination • Difficulty with prioritization FREQUENTLY CO-MORBID WITH: • Major Depression • Anxiety Disorders • ADHD (Inattentive)

  6. 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

  7. Risks of Hoarding Hoarding can cause a variety of complications, including: • Unsanitary conditions • Increased risk of falls • An inability to perform daily tasks • Poor work performance • Family conflicts • Loneliness and social isolation • A fire hazard • Loss of important items

  8. Why is it an Insurance Risk? • Fire hazards • Higher chance of injury • Liability • Blocked exits • Poor home Maintenance: • Collapsing Attics • Bursting Pipes • Structural Damage

  9. Fire Hazard House Collapse

  10. 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

  11. Types of Hoarding • RECYCLER HOARDING: vast collection of recyclables • COLLECTOR HOARDING: hoarding of multiple collections of items • SHOPAHOLICS: vast collection of purchased goods • ANIMAL HOARDING • BIBLIOMANIA : hoarding of books/information • SYLLOGOMANIA: hoarding of trash or waste • LARDER HOARDING: hoarding of food

  12. 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

  13. 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

  14. 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

  15. 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

  16. 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

  17. RENEW SYSTEMS – WASTE AND TRAMA MANAGEMENT CONTACT INFORMATION 24 hour 7 days per week EMERGENCY RESPONSE 855-836-7368 info@renewsystems4you.com www.renewsystems4you.com

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