How to File a Moving Insurance Claim
If Something Broke During the Move, Claim It
By Diane Schmidt, About.com Guide
If you purchased moving insurance, and some of your items are missing or damaged, then you need to submit a claim. Be aware that this will take time, patience and persistance to get the claim through. Some movers are really easy to work with, while others may try to avoid paying. If you obtained extra insurance, or have insurance through another agency, check over your records and contracts to make sure you're properly covered. To find out more about purchasing insurance and whether you need additional coverage, check out the article Should You Purchase Moving Insurance?
How to Make a Claim
Let me mention up front, that if you need to submit a claim that you have a signed inventory sheet. This is something that you should've received from the movers, a document that listed all your items. Make sure that before you sign the inventory sheet, report the facts of the damage in detail on the original inventory sheet. If you notice damage after unpacking, a claim must be filed within nine months after delivery. Remember that it's best to report the 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, refer to the liability amount you declared on your shipment. For example, if the value declared on your shipment was $5,000, the mover's maximum liability is $5,000. Claims for more than this amount will be declined because they are more than the mover's liability. Make sure you're adequately covered.
If you have problems with the mover, contact the Better Business Bureau. They'll help resolve any outstanding issues. Just remember to give the movers some time to address the claim and/or the complaint.
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