Accidents happen, especially during the hustle and bustle of moving day. If the movers damage your home in any way, they are held liable and need to pay to fix those damages (or give equal value as a discount).
But, what else can happen during a move, and who is in charge of dealing with the aftermath of those issues? Let’s take a look at accidents, injuries, damages, and other problems that may happen during your moving day experience.
What Happens if Movers Damage Your Home?
So, say that the movers are moving a piece of furniture into your home, and in the process, they run into the door frame. Part of the wood on the door frame breaks off, which means that it’s not as safe or stable as it was. This can be a huge security issue, among other things.
What happens next? For the majority of companies, you’re just going to need to fill out some paperwork, and so are they. They’ll take pictures of the damage and get a statement from you about what happened.
Then, they’ll use that paperwork to determine fault and to get things in motion regarding the money you need. Whether they go through their insurance company or they pay for the repairs outright, the end result will be that your door frame (or whatever else they damaged) will be repaired.
Also, the process should be the same whether it’s the home you’re moving out of or the one that you are moving into. You may have to contact your real estate agent (seller) if it’s the home you’re moving out of, but otherwise, you should be good to take care of everything.
What Happens if Movers Damage an Apartment?
Apartments (or other rental properties) are a little different in regard to these situations. While your landlord is typically in charge of some things related to damages to the apartment, movers are different. You are the one who hired the movers to come in, so they are your responsibility to deal with.
The same process that you see with home repairs should be adhered to when it comes to dealing with a rental repair. The only difference is that they may need to talk to your landlord in order to get repairs taken care of in the appropriate fashion.
Your landlord may have some questions for you or they may have a company that you need to work with regards to repairs to your building, so you want to be sure that you go about that process properly. If you have questions about the damage that occurs, just talk to your landlord and keep in touch with the movers – it will make the process simpler in the long run.
What Happens if Someone Gets Injured During a Move?
In most states, moving companies are required to have specific types of insurance, including workers’ compensation, in order to be licensed. So, if one of the movers on your team gets injured on moving day, they should be covered by the appropriate insurance for the situation at hand.
In rare cases – specifically, where your negligence was to blame for their injuries – you may have to deal with homeowners insurance or other things in order to get their bills taken care of. In the worst cases, you may have a legal situation on your hands.
On the other hand, if someone in your family is injured, then there are some other complications that may arise. Sometimes, it can be covered by the movers’ insurance because it’s supposed to cover all sorts of liabilities.
Granted, if the injury is due to your family member’s negligence, then you will have to go through traditional channels of health insurance and whatnot. But, if this were caused by negligence on the moving company’s fault, they should have to pay.
If you have difficulty getting what you need in this regard, then you may want to go ahead and hire a lawyer to assist you with the process. That way, you can be sure that you get proper compensation based on what happened.
Keeping Family Safe on Moving Day
Your family’s safety is a big part of what you need to think about when it comes to preventing problems on moving day. Because of that, you want to have a plan in place that keeps everyone as safe as possible.
If you have small children, you definitely want to be sure that you connect with a friend or family member that can be in charge of corralling them during moving day. If they’re able to take them somewhere else while the movers are around, then let them – it’ll be a lot less stressful for everyone.
The same goes for pets – if you have animals that could end up underfoot, then you want to be sure that you have friends or family that can keep them safe. If you have caged pets (rodents, birds, etc.), be sure that they are ready to be transported and/or they are already at your new residence, if possible.
In short, the fewer kids and pets that are on the property on moving day itself, the fewer accidents you’ll have, and the easier it will be to keep your movers and your family as safe as possible.
Considering Moving Insurance
Moving insurance is a type of insurance that focuses on moving. While your movers should have some sort of insurance of their own (we’ll discuss what happens if they don’t, next), you may still want a little more protection so that you can deal with everything properly.
Moving insurance covers all of your property – whether it’s the house you’re moving into or the items that you’re moving. As a result, you’re going to have some additional cushion in terms of money if the moving company’s insurance doesn’t cover everything that happens.
Moving insurance is typically quite affordable, so it may be worth taking a little extra money to give yourself the cushion that you may need in a circumstance. You may be able to get moving insurance alongside your homeowner's insurance or from the moving company that you work with.
Dealing with Movers with No Insurance
If you get into a situation where the movers you hired end up not having insurance, you are in a difficult situation that may take some time to sort out. The fact is, they probably aren’t a legitimate company, and it could be difficult for you to get your damages sorted out.
In those cases, you are going to want to connect with an organization like the Better Business Bureau in order to get things going. More often than not, you are going to have to sue the company in order to get the money that you need.
Basically, if they claim there’s no insurance, then you’re going to want to get with a lawyer as soon as possible so that you can get repairs done within a reasonable amount of time.
Frequently Asked Questions
Does homeowners insurance cover damages to your home during a move?
Homeowners insurance typically does not cover damages to your home because of movers. That’s because movers are not one of the “perils” that are usually listed in your policy. Because of that, you will have to take other avenues in order to get things taken care of, whether that’s working with the moving company’s insurance or going through another route to establish financial liability.
Does renters insurance cover damages to your home during a move?
Like a homeowners insurance policy, renters insurance only deals with certain “perils,” like floods and fires. They will deal with theft if that happens, but they cannot take care of home damages, because they see that as the moving company’s responsibility. Your landlord will likely charge you for those damages, which means you’ll need to deal with getting money from the movers.
How long do I have to wait to get a payment for damages?
It depends on the company. Some moving companies will give you a discount on the final cost of your move. Others will sort out the necessary repairs and schedule a repairperson that they pay. And even others will make you jump through a lot of hoops. Ask for moving companies’ policies in this regard before you make a choice on which movers are best for your moving experience.
Keeping Everyone and Everything Safe During a Move
Safety is a big priority during your move and, because of that, it’s essential to do what you can in order to keep everyone and everything as safe as possible. If you’re aware of these things and do what you can to stay ahead of safety, you’ll be less likely to deal with the problems discussed in this article.