08/25/2026
FloodOKC.com. Hoarder properties are a different animal. Bob’s dealt with them after water, fire, and mold losses. More stuff = more damage, higher contamination, slower mitigation. Here’s how Bob handles it:
1. Safety + Assessment First
Bob’s crew doesn’t just start hauling. Hoarder homes have real hazards:
• Biohazards: Rotten food, animal waste, mold, bacteria. Often Cat 3 water even if it started clean.
• Structural load: Too much weight can compromise floors. Bob checks before crews + equipment go in.
• Fire/exit hazards: Blocked doors/windows. Bob establishes clear path + OSHA plan day 1.
• Pests: Rodents, roaches in contents. Needs PPE + containment.
Bob does a full walkthrough with you + adjuster before touching anything. Photos/video document pre-existing condition vs. loss-related damage.
2. Triage: What’s Salvageable vs. Trash
Reality check: In hoarder conditions, 60-80% is usually non-salvageable after water/fire/mold. Bob’s straight about it.
Bob’s sorting process:
1. High-value/personal: Documents, photos, heirlooms, cash, meds, guns. Separated first, inventoried piece-by-piece.
2. Cleanable hard contents: Glass, metal, solid wood furniture. Can be washed/HEPA cleaned if not contaminated.
3. Porous contaminated: Clothes, mattresses, cardboard, paper, MDF furniture hit by Cat 3 = disposal. No cleaning.
4. Trash/debris: Food containers, newspapers, magazines, expired items. Bob gets your sign-off, then it’s hauled.
Mental health component: Bob’s crews are trained to be respectful, not judgmental. But if it’s unsafe, work stops. He’ll recommend social services/hoarding specialists if needed.
3. Pack-Out – Heavy Content Version
Changes from standard pack-out:
• More labor: Takes 3x-5x the man-hours. Bob brings bigger crew.
• More dumpsters: 20-40 yard roll-offs. Bob documents tonnage for insurance.
• Air scrubbers during pack-out: Disturbing hoarded contents releases mold/bacteria. HEPA filtration runs entire time.
• PPE for crew: Full-face respirators, Tyvek, gloves. Bob protects his guys.
• Staged approach: Clear one room for equipment staging, then work outward.
Inventory: Still barcoded + photographed, but Bob uses “bulk” categories for low-value items with your approval. Ex: “15 boxes assorted paperbacks – non-salvageable due to mold”. Saves time/money vs. itemizing every magazine.
4. Cleaning + Decontamination
After contents are out, Bob treats the structure:
• HEPA vac: Walls, ceilings, studs. Hoarder homes = heavy dust/mold load.
• Sanding: If urine/feces soaked into subfloor, Bob sands/seals or replaces.
• Enzyme/antimicrobial: Breaks down organics + kills odor at source.
• Ozone/hydroxyl: For odor after source removal. Bob doesn’t mask smells – eliminates them.
5. Insurance Realities Bob Explains Up Front
1. Maintenance vs. sudden loss: Insurance covers damage from the pipe burst, not 10 years of accumulation. Bob separates “loss-related” from “pre-existing”.
2. Increased costs: Adjusters pay more for pack-out/demo on hoarder jobs. Bob documents labor + dumpsters + PPE so you don’t eat it.
3. Limits on contents: Most policies have $1,000-$2,500 limit on “debris removal”. Bob helps you maximize coverage and advises if out-of-pocket is needed.
4. ALE/rentals: If home’s unlivable, Bob helps document for Additional Living Expense coverage.
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