The Moving Planner Blog

One of the biggest mistakes we make when we move is to underestimate the insurance coverage offered by most movers. Often we check that the company offers insurance and then assume it will cover us for all eventualities and forget about it. This can cause a lot of problems.

Whilst most moves are smooth and trouble-free, accidents and damage to our property can be a real headache. Insurance cover for moving is therefore a vital part of the moving process. Without it you risk losing or damaging your possessions with no recourse to compensation. You have two ways of ensuring adequate cover - you don’t have to choose one over the other and may opt to utilize both:

1. Talk to your current home insurers and ask them if your existing policies cover you during the move. If they do then check if there are any exclusions etc., and, if you don’t have cover for the move in writing, ask if they will provide you with a copy. If your insurer won’t cover you under your existing agreement or you are worried that the cover is inadequate ask if you can pay a premium for special short-term cover.
2. Talk to your movers before you agree to move with them. Ask them to explain their insurance cover, limits, exclusions and so on and take care to read any policy documents they provide. You should NEVER choose a moving company that does not offer insurance.

Individual moving companies and home insurers will offer varying degrees of insurance cover and claims levels and you’ll only really find out how this applies to you by reading the small print of your contract information and by talking to the company about it in depth. In most cases you’ll be expected to know how much cover you need and to provide a list of valuable items (you may have to pay extra for these depending on their value). Some insurers will not include certain types of valuables as standard within their policy - they may be willing to insure these items but you will most likely have to pay a premium. Remember that many moving companies won’t allow you to claim for damage in transit if they didn’t pack your goods themselves. So, unless you can prove that it was their fault, their insurers simply won’t pay out if something goes wrong. It’s vital therefore to make sure you assess their moving liability in the event of a claim.

It’s also worthwhile checking to see if your moving company’s policy includes damage to your premises. The majority of movers are experienced and careful but accidents can happen to your homes as they remove and move furniture etc. Most companies will offer cover for this eventuality - do be aware that if a mover does cause damage to your home on the day of a move you will need to tell them about it immediately (or as soon as you notice it). In all moving insurance policies you’ll likely find that there is a specific time-limit for claims. If you discover damage outside of this limit you won’t be able to make a claim. Again, check the terms and conditions for actual regulations on this.

You may come across various types of moving insurance cover. Primary types include:

1. No charge for the actual insurance cover as it is included in the moving quote. In this case you may only be able to claim back a percentage of the value of your goods if you experience damage/loss.
2. You buy a policy and pay according to the weight of your goods (generally this works by the pound). This type of policy is often limited by depreciated value so you may not get back what you paid for an item but an estimate of current worth. This is often termed ‘like for like’ cover.
3. You pay extra to cover value instead of just weight. In this case you may have to declare the value of your insured goods to the insurer/mover.
4. You pay for a full value policy, which will give you current market value in the event of problems. This is often termed ‘new for old’. This can be in the form of repair, replacement or a payment.

Some movers will ask you for a ‘guestimate’ of the total value of your goods. Although this is hard to get right, it’s essential to be as close as possible to get the best levels of protection. If you have a lot of really valuable items to move, be prepared to have to produce a list of them, with assessments and perhaps even photos before you can have cover. You’ll find that many movers’ insurance policies are calculated on a percentage of the removal cost rather than on the value of your goods. This may not be enough for your needs and most will recommend you then to pay a premium for extra cover. You need to check the maximum premium that they will allow for one item and also how much of the claim you will lose if you need to claim on the policy.

For many of us the basic insurance policy of our chosen moving company will be enough. We need to pay particular attention, however, if we are planning a long-distance or international move. If you are moving internationally especially it’s essential to have full cover. Your goods may be passing borders and may be subject to custom checks and so on. With these moves you’ll have to factor in increased possibilities of accidents, theft, loss, damage and so on. It makes sense here to go with a moving company that is well experienced in these types of moves for best advice and cover. If your goods may be in storage for periods during your moving process then you also need to check the insurance cover for the storage facilities.

The best way to assess moving insurance policies is to read the small print carefully. Look for exclusions - i.e. clauses that mean that you are not covered by insurance or that will not pay out in certain circumstances. This will give you the clearest idea of the extras you might need, how comprehensive the policy is and the things you might need to look out for. For example, many movers have a ‘pairs’ or ’set’ clause. This means that if a part of a set of goods is damaged like a dining room chair or a piece of a dinner service the insurers will agree to pay for the damaged item. However they will not pay to replace the whole set if there is no other damage to it even if you cannot find a matching piece. So, if you have a set of four dining room chairs and your movers break one in transit, they’ll pay for a replacement for that chair. However, if you cannot find a replacement that matches your set you’ll no longer have a matching set and they will not pay to replace all four. Source:moving-company-guide.com

Plan Ahead

Summer time is the busiest time of the year for moving companies. In addition, the beginning and end of each month are traditionally busier than mid-month, regardless of the season. If you are planning to move during one of the times, plan well in advance so your mover’s schedule will fit yours.

Now it is time to contact the movers on your list. Inform them of your destination and the timing of your move. Ask movers to provide you with a written estimate, and have them explain the services listed in the estimate in detail. Carefully compare each estimate to see which company best suits your needs and budget.

Check out our moving planner, Countdown to Moving Day, to be sure you don’t forget anything.

Packing

Proper packing by a trained packer using specially designed cartons and materials is crucial to a good move. Schedule packing with the mover a day or two before the moving van is loaded. If you are packing yourself, it is never too soon to start. While packing yourself can save money, movers will not usually accept liability for damage to items packed by owners.

Be present when your goods are packed. An inventory of your goods will be made and it is important to resolve any disagreements prior to signing the inventory. Make sure all copies are legible and all items are numbered. Have valuable items listed separately. Some appliances may require servicing prior to the move. Your mover can schedule these services for you.

There are several options for insuring your goods. All household goods shipments move under limited liability. However, you may purchase additional liability coverage from your mover.

Planning Your Moving Day

Your mover may ask you to select several consecutive days during which your goods can be loaded and a second series of dates during which your goods can be delivered to your new home. A spread of days gives you and your mover the flexibility needed to keep your move on schedule. Remember that summer months are the busiest, and some movers offer lower prices between the months of October and April.

Moving Day

• Be on hand when the movers arrive.
• Discuss the delivery arrangements fully with your mover.
• Have beds stripped and ready to be packed.
• Save your energy - let the moving crew disassemble goods.
• Read the Bill of Lading before you sign it.
• Tell your mover how to reach you at your destination.
• Keep in contact with the mover’s agent at your destination while you are in transit.
  Delivery

Generally, your belongings will be transported in a van lines along with those of other families in the same general direction. This helps to keep your costs down. Delivery is made on any of the several consecutive days agreed upon before the move began. Make sure the mover knows how to contact you to schedule actual delivery. If you cannot be reached at destination, the mover may place your shipment in storage to avoid delaying other shipments. This can mean additional charges for storage and handling.

Upon delivery, check your goods for damage. Do not sign the inventory until you have inspected your furniture and the exterior of the cartons.

Claims

If any of your household goods are damaged or lost, report the facts promptly and in detail on the van driver’s copy (original) of the inventory sheet before you sign it. If you notice damage after unpacking, a claim must be filed within nine months after delivery. However, it is to your advantage to report damage as soon as possible. The mover must acknowledge receipt of your claim within 30 days and must deny or make an offer within 120 days of receipt of your claim. When making a claim or considering a settlement offer, keep in mind the amount of liability that you declared on your shipment. For example, if the value declared on your shipment was $5,000, the mover’s maximum liability for loss or damage to the articles in your shipment is $5,000. Claims for more than this amount will be declined because they are in excess of the mover’s liability that you declared on your shipment. Maryland moving companies

Source: http://www.moving.org/before/planning.html

I just wanted to add to this forum since I was researching it a lot when I moved two months ago from CA to a small town in FL.
We were moving right in the midst of the high moving season and eventhough we were moving from a 2 Bedroom in California to a town house in Florida some reputable companies (Bekins, Dahil, Central Moving & Storage) gave us the cold shoulder after their evaluator were gone. Flatrate was actually only the second choice because of the limited interstate experience here on the forum.
However, aside from small mishaps (my credit card was charged twice but the amount was refunded after 3 days - infact the foreman himself made me aware of the error). Our entire furniture paintings etc arrived without a single scratch. We had full service incl. packaging.
I have to give big thanks to the crew that packed & picked up the stuff. Rafael and the rest of the young polish guys did a tremendous job in over 90 degrees CA sweltering heat. The haul was then delivered by a  driver (flatrate-truck) named Bobby who was also great.
Overall I think we were really lucky.