No matter how good your moving company is –accidents can take place anytime. These sudden mishaps are absolutely unpredictable therefore can break through the toughest security anytime. A good and proper moving insurance coverage can make your move smoother.

• Filing a moving insurance claim
• Explain the situation in detail in the original inventory sheet.
• If you discover damage after unpacking, make sure you file a claim within 9 months after delivery.
• The mover should send you a receipt acknowledgement within 30 days.
• Within 120 days of receipt of insurance claim the mover has to make a decision either they will deny or offer settlement.
• Refer the liability amount while making a claim, you will not get anything more than the liability amount

By default most movers offers valuation, valuation is an amount pre-defined as a liability mentioned in a moving contract or bill of lading. It isn’t a type of moving insurance but a part of your contract with no extra charge, moreover bears no relation with the actual value of your goods.

Types of Insurances:

Declared Valuation- A valuation depends on the total weight of the goods or possessions multiplied by a specific amount per pound.

Lump sum Value- Sometimes some goods do not have a proportionate weight in compares to price, therefore look for something that will compensate the price. You can buy insurance for a definite amount for $1000 value. It should be clearly mentioned in the bill of lading.

Full Value Protection- This valuation deals with damaged, broken, destroyed and lost goods. This particular coverage pays for repair or replacement of the goods.

Probably this little piece of information will make a lot of difference if applied in the correct order. A good mover should be judged by the amount of effectively solved claims and how efficient they are in offering you the right type of moving insurance coverage.