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Questions to Ask Before Moving

What Happens If Your Items Get Damaged?

By Rob Rimeris

Moving is a complex process, and sometimes, despite the best efforts, damages can occur. Understanding how moving companies handle these situations and the role of insurance can help you navigate any issues that may arise during your move.

Types of Damages

  1. Property Damage: This includes harm to your walls, floors, or any part of your property during the move.
  2. Cargo Damage: Refers to any damage to your personal items.

Handling Damages: The Process

  1. Inform the Team Leader: If you notice any damage, the first step is to inform the team leader. They are trained to handle such situations and will try to resolve the issue directly.
  2. Escalation to Management: If the team leader cannot resolve the issue, it will be escalated to management. You or the team leader will contact the moving company’s office to start the resolution process.

The Role of Insurance in Moving

  • Different Types of Insurance: Moving companies offer various kinds of insurance, each with its own coverage details. It’s important to understand these options before your move.
  • Educating Customers: Good moving companies emphasize informing their customers about insurance choices at multiple stages – during booking, in confirmation emails, and before starting the move.
  • Choosing the Right Coverage:
    • Basic Coverage Insurance: Offers limited protection. If you opt for this, any damage will be handled within the limits of this coverage.
    • Full Coverage Insurance: Involves direct dealings with the insurer. The moving company will assist with contact information and support, but the insurer handles the claims.

Bill of Lading and its Importance

  • The bill of lading is a critical document that you will sign, stating that all items were delivered in good condition. Be aware that some companies might use this to avoid responsibility for damages.

What to Expect if Damage Occurs

  • Ethical Practices: Reputable moving companies will strive to do what’s right within the coverage limits you have chosen.
  • Customer Support: Good movers will assist you throughout the process, whether it’s handling claims within their purview or helping you contact your insurer for more comprehensive coverage claims.

Making Informed Decisions

  • Read and Understand Coverage Options: Before the move, familiarize yourself with the insurance options and what they cover.
  • Document Everything: Keep a record of your items’ condition before and after the move, and document any discussions about insurance or damages.
  • Be Proactive: If you have valuable items, consider opting for full coverage insurance for added peace of mind.

In conclusion, while damages during a move can be frustrating, understanding the process and having the right insurance coverage can make resolving these issues smoother. Remember, a reputable moving company will not only provide information but also support you in case of any unfortunate events during your move.