Insurance/Valuation, Coverage & Claims...

Moving Labor Services is proud to say we’re truly the only self service moving company offering cost effective alternatives to full service moving while also being able to insure your move just like the large Van Lines. Insurance/Valuation Might be the most problematic and misunderstood part of any moving contract. You can buy three levels of insurance/valuation coverage:

Limited Liability...

Is the minimum coverage required by law, and is included in the base price. You will receive 30 cents per pound (60¢ per pound if moving long distance) for any lost or damaged item. While this coverage is better than nothing, limited liability insurance places your more valuable objects at a greater risk.

Lump Sum Value...

Coverage requires that you declare how much each of your items is worth. Based on this valuation, you pay a premium that is generally less than 1% of the value covered. For example, if the value of your shipment is more than $1.25 per pound, you pay $7 per $1,000. Therefore, the premium for a 4,000 pound shipment valued at $5,000 would be $35.

Full Value Protection...

is the Rolls-Royce of insurance coverage. This policy guarantees that the insurance company will replace any article that is lost or damaged beyond repair with either a like item or a cash settlement. Any cash settlements made will be in the amount of the current market replacement value.

Important Notes

• Check your homeowner's insurance. Some policies cover property in transit.
• Consider purchasing short-term insurance that covers the move if your property is very valuable.
• Unlike most property insurance, valuation does not automatically pay for any damage. It must be clearly shown that the mover was responsible for the damage.
• Items in boxes not packed by the mover are not covered, unless the outside of the carton provides clear evidence that the entire box was damaged during the move.
• Moving Labor Services Agents are responsible for any electronic item that does not function after the move only if there is clear evidence that the item was dropped or mishandled during the move.
• The customer has 45 days to notify us of intent to file a claim then 90 days to file an initial claim.
• Moving Labor Services will acknowledge any claim within 3 days and to resolve it or offer a settlement within 120 days. Moving Labor Services has an average claim settlement time of 21 days and less than 1% of customers experience damage.
• The customer is legally responsible to pay for the move, even when claiming extensive damages. The customer must go through the claims process to receive compensation for any damages.