Basic Liability (we extend this coverage at no additional cost):
As mandated by the Department of Transportation, we offer the $0.60 per pound waiver and release (that is described above) for damages. Again, this is the most common coverage throughout the moving industry. Like most companies, we extend this coverage at no additional cost. In any case, this is not full coverage insurance.
Premium Liability Coverage:
When covered by Premium Liability Coverage, lost and damaged items won’t be replaced or repaired when you file a claim. Instead, you’ll be compensated $2 per pound per item. The cost of Premium Liability Coverage is 3% of the total weight of your load.
Example #1: the estimated weight of your belongings is 1500 lbs. The cost of Premium Liability Coverage is $45 (1500 lbs x 3%).
Example #2: the estimated weight of your belongings is 4500 lbs. The cost of Premium Liability Coverage is $135 (4500 lbs x 3%).
Although the standard coverage is 60¢ per lb., when a damage claim is accepted and processed, typically our company will have the damaged furniture piece repaired by a professional furniture repair company we contract. In the event an item cannot be repaired, a replacement piece can be purchased (in the same condition as the item damaged). Should an item be difficult to locate for replacement, our customer would be reimbursed for the item, as determined by fair market value (the amount expected at a local auction house). The Depreciation value of a product will increase by 13.5 percent each year since the item was originally bought. This is a coverage plan for up to $30.000. Valuation Coverage applies only to items packed by the movers. Valuation Coverage doesn’t apply to antique items (over 50 years old). To inquire about the cost of this coverage plan, please contact our sales agents.
Note: $300 deductible applies to all claims.
In any case, claims of damage will not be entertained unless there is some visible damage/neglect apparent. This mostly applies to electronics as often older electronic components no longer work after the process of moving (example: DVD player worked properly prior to move, however, isn’t working after your move, and there is no evidence of negligence, this item would not be covered). This can be due to the surges from “plugging and unplugging” into outlets and/or heat and exposure during transport (none of which would constitute negligence by the crew).
Claims on any IKEA furniture or furniture assembled from “particle board/wood” will not be accepted. Particle wood does not hold up over time, thus deteriorating during changes of humidity. The glue holding this wood together degrades over time as well. In addition, the cam locks typically used to hold multiple pieces together fail often. The parts of what makes some IKEA furniture cheap is that it’s made of particle board which is inexpensive but also somewhat fragile. Properly packed into its original packaging, there’s almost no risk of damage, but if you’re disassembling one of your old pieces or moving a fully assembled item, there’s a reasonable chance that accidents will happen especially during cross-country moves where the risk of breakage is increased.
Load Only Services: claims of damage on items transported via equipment NOT driven by our crew will not be entertained. This mainly refers to rental trucks (loading of).
Boxes: Please pack carefully. Any items packed in a box/container, that is NOT packed by one of our team members, that incurs damage, will not be covered.
The other coverage option would be to contact your personal homeowner’s/renters insurance carrier to inquire whether they offer coverage above the standard 60¢ per lb. coverage. If offered, this is typically done in the form of a rider added to the policy (the cost varies, however, will typically fall between $50.00-$100.00).
These guidelines are in no way an attempt to avoid negligence on our mover’s part. We feel it extremely important to be transparent as these guidelines are in place to create an environment of honesty and integrity.
To file a claim, please contact our Claims Department at email@example.com
Please download the full version of Claim Policy.