Getting Verification-Ready
1. Read your GL policy's exclusions
Most Commercial General Liability policies exclude pollutants, fungi, and bacteria, and exclude property in your care, custody, or control. If you remove contents or remediate mold, ask your agent in writing whether you carry Contractor's Pollution Liability and Bailee / CCC coverage.
2. Your annual OSHA BBP checkpoint
Under 29 CFR 1910.1030, review your Exposure Control Plan at least annually, retrain exposed employees annually, and keep hepatitis B vaccination records or signed declinations. Put the review date on your calendar now.
3. Score every hoarding job on the ICD scale
Recording an ICD Clutter-Hoarding Level (1-5) on every estimate makes your crew sizing, PPE, and disposal pricing defensible to families, attorneys, and adjusters. SOP-04 in the Elite pack provides the worksheet.
4. Treat found valuables as evidence
Photograph in place, log on a custody form, seal, and release only against a signature. One undocumented envelope of cash can cost more than a year of jobs. SOP-01 is the log template.
5. Your next three actions
Run the Verification Readiness Audit, sign the Ethics & Heirloom Pledge, and pass the Competency Assessment.