Categories
General

Are Movers Responsible for Damage

In an ideal world, nothing would ever get damaged during a move. Unfortunately, that’s not always the case and while professional movers work their hardest to ensure the safety and security of your items, sometimes accidents happen. To avoid potential headaches for your move, it’s important to know when movers are liable and what steps you can take in case your items are damaged or missing.

The Truth About Moving and Damages

When you hire NJ movers, you spend a decent amount of money not just for convenience but for protection. In theory, hiring movers should be the safest way to transport your belongings. After all, movers have training and experience on the best way to pack the truck and drive without damaging your things. So when something does get damaged, it’s usually due to improper packing, cluttered moving space, or even simple accidents. The reason for the damage will ultimately decide whether the moving company is liable or not.

When Are Movers Responsible for Damage?

Your choices and actions can play a significant part in whether the moving company is held liable for damages or not. Some factors include:

  • Packing hazardous materials – if you pack these items without letting the movers know and they damage something, the movers may not be held liable.
  • Self-packing – when you pack your own boxes, movers might not be responsible for any damage to the contents. With that said, if you can prove that you packed the box appropriately and the damage comes from neglect and poor handling from the movers you can open a claim.
  • Coverage selection – your belongings are automatically covered by released value protection coverage, but that means movers are only liable for no more than $0.60 per pound per item. You can purchase full value protection and if something gets lost, damaged, or destroyed the movers can choose to repair, replace, or compensate for the current market value
  • High value items – even if you purchase the full value protection, movers cannot be held liable if you don’t declare all the high value items. These tend to be items that are worth over $100 per pound so think an expensive SLR camera or your TV. Luckily, you just need to declare these items in the inventory.
  • Signing delivery receipt – be careful when signing these as some might have provisions that release movers from their responsibility once the document has been signed. Always inspect your belongings before signing anything.
  • Delay in reporting – if you notice that an item is damaged or a box is missing, report it as soon as possible. While most valuations allow customers to report within 30-60 days, the longer you wait, the harder it will be to claim compensation
  • Weather conditions – some valuations and even third party insurance companies have a special addendum if you move during extreme weather conditions where some damages might be considered unavoidable. Make sure to read over all the information beforehand.
  • Pre-existing damage – If there are already some chips or dents on some items, additional damages might not be covered.

So when you put everything together, in order for movers to be responsible for damages you should properly pack everything, declare the value of your shipment, notify the movers of any high-value items, and inspect your belongings after the move before signing anything! While this might seem like a lot of extra work, it’s worth the peace of mind. 

Hire Reputable NJ Moving Company

Your best bet for getting compensated for damaged or missing belongings is to use a trustworthy moving company. They might be more expensive, but hiring unlicensed movers can lead to significant risks like unsafe moving trucks, potential for theft, extortion, and more chances for your stuff to get damaged. Stick with the pros, like NJ Great Movers, and you can rest easy knowing we’ll provide you with the best service possible.

Categories
General

Everything You Need to Know About Moving Insurance

If you’ve ever hired a moving company, you’ve probably heard about moving insurance, but not too many people look into it beyond what might be listed on the site. While technically moving insurance isn’t actually insurance (it’s a valuation), it offers similar protections. So if something gets lost or damaged during the move, the moving company will provide appropriate compensation. So what options are available and how do you choose the right one for you? The handy guide below can provide you with more information.

Discover the Different Types of Moving Insurance

All registered moving companies must offer two specific kinds of valuations when going over state lines, but most reputable companies will also offer them for local moves. Asking about valuation coverage is a great way to filter out bad or scam companies as they often won’t have any. If you’re looking for movers, NJ or beyond, make sure to ask about their valuation protection!

Released value protection

This is the most basic coverage most NJ movers offer and comes completely free with your professional move, you just have to ask and contractually agree to the coverage. While it might not come at any extra cost to you, it’s also the most limited option. You will only be reimbursed up to 60 cents per pound per item. That might work fine for cheap items, but you’ll lose a lot of money if something expensive gets damaged like your TV, art, or fine china. Plus, there’s no option to replace or repair an item when filing a claim. All you get is the flat rate.

Full value protection

As the name suggests, this option protects your belongings for its full value. While more comprehensive than the released value, you likely will have to pay a premium – around 1-2% of your property’s value –  for this valuation and, in many cases, meet a deductible.

In general, full value protection means the moving company will be liable for the full replacement value of the goods they damaged. It’s up to you to declare what you think they are worth per pound. Many moving companies will have their own policy and most will have a minimum value you have to claim for your belongings.

Some states even have regulations on what the minimum level of coverage is. If you’re not sure, you can always ask the moving or insurance company for information. Typically, the value is anywhere between $4-$6 per pound. So if you are moving 5,000 pounds and you declare the value to be $6 per pound, the maximum amount you can receive is $30,000 if everything is damaged or lost during the move.

When you file a claim, the moving company has three options:

  • Repair the item
  • Replace it with an item of comparable value
  • Make a payout for the cost of repair or current market value of the item

Be forewarned that opting for full value protection also allows moving companies the right to limit their liability for high value items like antiques or expensive shoes. If you happen to have a lot of expensive/priceless items, make sure to bring it up to the movers to see if they will be covered or not. You might be able to purchase additional coverage for these high-value items, but you’ll need to pay a higher premium.

Third-Party Insurance for Hassle-Free Local Moving

Not all NJ movers provide a full value protection option, especially if you’re moving locally. In these cases, you can supplement it with a third-party moving insurance policy. Unlike the value protection you get from movers, the coverage you receive from third-parties is a form of liability insurance. The movers will still reimburse you for the $0.60 per pound per item if anything gets damaged. However, they will work with the insurer to make up the difference up to the limit of the policy.

How much you pay for third-party insurance depends on how much you’re moving and how far. In general, companies will weigh your property and charge a fee of $1.25 multiplied by the weight. With that said, every company will calculate the cost differently so make sure you get that information ahead of time so you’re not surprised by the final cost. Speaking of information, you should also ask what the insurance covers. Some policies might only apply to boxes that you haven’t packed yourself.

One important thing to remember is that your homeowners and renters insurance most likely will not cover your belongings during a move. You’ll have to check your moving insurance to read the caveats. In some cases where you keep the same policy your items might be covered while they’re in transit, but it’s not guaranteed.

Determining the Best and Most Suitable Options

So now that you know your options, how do you choose the best option? The first step is figuring out the value of all your belongings. That means creating a comprehensive list of everything you own before you move. While you’re at it, take a video or pictures of every object and note any existing damage.

As you create your spreadsheet, do a little research on the value of your items. Do you happen to have an expensive shoe collection, rare art, or antiques or is most of your furniture and decor from Target and Ikea? Once you’ve determined the value of your items, estimate the weight.

From there, you just need to do a little math. Say your belongings weigh a total of 5,000 pounds. The basic released value coverage will only provide a max of $3,000. If you’ve estimated that everything you own is worth $3,000 or less then there’s no need to get the full value protection.

When considering the full value protection don’t forget to factor in the cost of the insurance as well as the deductible. If you’ve decided the value of all your belongings is $80,000, then the basic $3,000 coverage won’t cut it. Even with the premium and deductible, it’s still worth it to cover your more expensive items like TVs, furniture, etc.

Protect Your Belongings Easily by Hiring the Best Movers

Having peace of mind during a move is important, especially when you are trusting a moving company with your most precious belongings. That’s why you want to hire NJ movers that provide value protections. That way, if something gets damaged or lost, you’ll receive some compensation.