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How To File a Moving Insurance Claim | iMoving

One of the most beautiful things is always having to move from your former place to a new place. We know how much you have planned this moment and the way you look forward to settling down. But the most disappointing thing is when you discover that some of your items and belongings are not in the same condition that you met them. This can be a very big discouragement. If you are not so pleased with this type of situation and need to do something,  then we recommend you filled an insurance claim to your local moving company.

 

What is a moving insurance claim?

 

In simple terms, this is the complaint you lay down when you have any of your property damaged after your move. This is a claim you tender to show that your belongings have been damaged or are not in the condition you left them. It is very essential that we all have insurance on our belongings when moving because we can never tell what will happen, or what might accidentally break.

 

So if you notice anything scratch on your TV, a defect in one of your formally standard belonging, or even a broken or cracked expensive item, then you might need to file an insurance claim. Continue reading this informative piece so that you can learn the detailed procedure on how to file a moving insurance claim.

 

Be prepared before the move

 

Planning to make your move a successful one does not start from only making a well-detailed list of all your beginnings. It also spills over into making sure you get your stuff insured. Prepare all your belongings as though you were expecting damage. We know you don't wish for any of your items to be broken or get missing but you should be able to take precautionary measures by planning to file a moving insurance claim even before it happens, just in case you might need to file an insurance claim later.

 

First thing's first, you must have a well detailed and comprehensive list or inventory of all your items, and belongings. In this inventory, you should add the details of their current state, and the monetary value of all these items. If you still have the receipts and credit card statement showing the amount you purchased these items then you should add it, as a solid proof.

 

Taking pictures and videos showing the state of your belongings prior to the time they were moved is another great way to give solid evidence. Despite the fact that your local moving company will have their own list, and inventory of all the items, it is still important you have yours. Just imagine having to file a moving insurance claim, you will have twice the evidence to back your claim. This will give you a higher chance of being attended to promptly.

 

More information should be kept. If you ever spoke with any of their customer representative, or worker, you need to also document this. You will be shocked at how handy all of those things might become for you. Thinking about the things spoken above, you will agree that it is starting to make sense. So if you find any of your belonging damaged, here is what you have to do, after you have gotten the entire document ready.

 

Accurately document the damage and monetary value of the item in question

 

This process is only kickstarted when you notice damage or harm done on your belongings. Once it is something you have noticed, be sure to take the pictures of the new state of the item, and compare it to the former state. Having both the old and new pictures would provide very solid evidence to support your claim. Also make sure that you keep this item, do not misplace or throw it away. Most insurance companies ask for this concrete evidence before further work can be done.

 

The next thing you want to make sure you do is to get the monetary value of the item in question and place it saddens by side with your claim. To make the task a lot easier for you, you can simply take the credit card statement or the receipt and take it to those who you are filing the claim to.

 

Pen down the details of your conversations

from the day you decided to hire the moving company up until the time you decided to lay the claim,  you need to have a record of all the conversation you have with them. this will help you with accurate information on the timeline involved when you made the claim. You should also include all the hard copies of documents, bills, receipts, and every form of paperwork gotten from the moving company. This will help you in providing something you can give to the insurance company hen you want to file a claim.

 

You shouldn't stop at having all the conversations you get from your moving company, but you should also make sure the new conversations and details you get are equally recorded. Pen down the name of everyone and anyone who speaks to you within that period. Always ask for the names,  and addresses of those who spoke you. If they do not provide it, you should ask from them and they will provide you with it

 

Look into your moving company's contract once again.

 

The next thing for you to do is to make sure you go through the contract with your moving company over and over again and with scrutiny. There are many parts of the contract you have to pay attention to. Some of the sections you should dwell on are the inventory and bill of lading sections. 

 

The inventory sections show you how the total amount of items and belongings you have in your possession. You have to crosscheck this part because it contains the information about the items you have gathered by the moving company. You should crosscheck it with yours to see if it is consistent. If you have found it to be consistent then you can agree to what they have on their list. Be sure to go through this list so you don't get surprises that some of your items were already damaged before the move.

 

The bill of lading section of the list would contain information about your confirmation of certain information like the pickup and delivery date,  your signature, and the type of insurance coverage you chose. Do well to have this copy for yourself too. Filing a moving insurance claim would require a whole lot and you don't want to be stuck halfway without having the right amount of tools to fight with.

 

Be also aware of the type of insurance, you have chosen. There are essentially two types. We have value coverage and full coverage. The full coverage grants you a full sum of money stated for each item you have placed. It gives you the exact same amount, but the values coverage only makes your moving company accountable to pay you 60% of whatever the value of the item costs.

 

Inform your moving company about the claim you want to file

 

The next thing you want to make sure you do is that you want to inform your moving company about filing a moving insurance claim. There are two outcomes you can expect from telling your moving company. One is that you can expect that they might want to settle things amicably with you. If they choose to settle things with you, and you like the terms then you can go ahead. But if you don't quite agree with their settlement, then you can let the second option take place. 

 

The second option is that they can provide you with a detailed analysis of the types of moving insurance claims there are. They will give you the best information, and you can go ahead to choose the best you want. They can also hint you on some of the additional steps and costs you need to have taken when you are trying to file a claim. If your materials are not complete, they can guide you on what else you need to provide so that the filing process is easy.

 

Go right ahead and file the claim

 

After putting all the necessary things in place, you need to start your moving process as soon as you can. There is a law that you have to file your claim within nine months of noticing the damage. The best thing is to start early that is why it is advisable to have all of the things mentioned earlier even before you have any case of damage so the process is easier for you.

 

After the moving company must have given you the things you need to provide,  you should also try as much as possible to add the following even when they are not demanded. A copy of both your personal and company inventory so they can be cross-examined. The monetary value evidence of the item in question, videos, and pictures of the item that was damaged, little information that you can provide in words describing the damage on the item.

 

After you must have successfully filed an insurance claim. The company is now left with the work of acknowledging that they have received the claim. This is meant to be within a time frame of 30 days.  After the acknowledgment, the revolution comes next. The moving company now has about a month of 120 days to bring a resolved answer to you. The method and manner in which the issue is resolved are solely dependent on the type of insurance you choose. You need to make sure you have a full understanding of what the company is to cover and what they are not going to cover.

 

Before you can even think of laying an insurance claim, you should be sure of the company you are choosing. Make sure you only choose the best company for your moving needs.  When you are not sure about the company you want to choose.  You will not have a firm grip on them when it comes to handling cases of an insurance claim. Before hiring,  you should be well aware of the company you are choosing.

 

Make sure they explicitly stated that they have insurance. Moving companies without insurance can make you regret if anything goes wrong. All the information provided above is only in the context of having a company that is insured. So you really need to be selective when it comes to choosing a moving company. Moving is a serious business, so you need to devote serious time to selecting the best company for the job.

 

Also, try as much as possible to remove any barrier that might make you not earn the insurance claim. Remember that what you put in is what you get. If you claim that your belongings are less than the actual amount, then when you are to be paid, you will give the full amount of what you have stated in the insurance coverage. You should also try to get all the necessary documents so you are not refused a chance to get restitution for your items.

 

In conclusion

 

we believe that anything can happen during a move. you're fine China could get damaged, or even your antique table. Any item can get damaged,  and what you need is an insurance claim. We strongly advise people to take their insurance claim serious even before they see any sign of damage.  It is always better to be safe than sorry. Moving is not something you wake up one morning to do. A good plan is what makes the entire process successful,  and this is one of the plans you can make in bringing it to success.

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How To File a Moving Insurance Claim

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  • Best Cross Country Move Tips
    Moving Tips

    You never really know what it means to move ‘cross country’ until you move cross country.

     

    It means as little as 2,092 miles from the shortest point from coast to coast in the U.S., or as many as 3,500 miles at the greatest distance from coast to coast. Either way, you’re looking at a week’s worth of travel- at least.

     

    Unless you’re moving with your two kids, one dog, and 50 boxes of your most valuable possessions; then you’re looking at a lot longer traveling time.

     

    Don’t make cross country moving harder on yourself than it already is.

     

    If you’re moving cross country, hire the best interstate moving companies to pack up your troubles so you don’t have any. These professional moving companies will have the expertise needed to get you and your things across the country with the least amount of hassle, in the fastest time possible.

     

    Moving cross country doesn’t have to be as hard as it may seem, all it takes is this guide for the ultimate know-how.

     

    How do you prepare to move cross country?

     

    Moving can be stressful, but it should be equally as exciting. With a new place comes new opportunities and adventures. The secret lies in your preparedness.

     

    Especially if you’re moving cross country, make preparedness first on your list. The more prepared you are, the more you might be able to let some of that excitement in.

     

    If you’ve never prepared to move cross country before, these are the best tips and tricks to get you there and back with ease.

     

    1. Plan ahead: Did we mention preparedness? This is number one on our list because it should be number one on yours. As soon as you know that you will be moving cross country, start preparing. Make a spreadsheet, a checklist, write everything down-you’ll be grateful you did.

     

    1. Stick to your schedule: If you’re going to plan ahead of time, don’t make it all for naught. Make sure you stick to it, otherwise all that planning was pointless.

     

    1. Minimize before you pack: You already know you’re going to be moving a lot of stuff, but don’t pack more than you need to. This is true for every move but especially cross country moves. Sell, give away, and toss whatever you don’t need to start fresh in your new state.

     

    1. Make an inventory: Once you’ve downsized quite a bit, now you can create an inventory. This is especially important for cross country moves because depending on the variety of ways that you can get your things from one point to another, you want to make sure it is all accounted for.

     

    1. Pack with an organization: The last thing you want after traveling 3,000 miles is to open a box full of random goods. Organize items based on what room(s) they go in and you’ll find that setting up your new space won’t take nearly as long as the travel did.

     

    1. Pack with care: When packing to move cross country, distance is a factor. Unlike other, shorter moves, your stuff will be packed up longer, on the road longer, making more turns, hitting more bumps, etc. So be sure to pack your fragile items extra carefully.

     

    1. Label with your name: This isn’t something you would think about for a typical move, but since your stuff could travel without you, or via different methods of travel, having your name labeled everywhere will help ensure nothing gets lost.

     

    1. You go first: Labeling your name is great, but you also want to make sure your stuff doesn’t get there before you. When it comes time to move, it’s okay to travel without your stuff and before it, so that you’re there when it finally arrives.

     

    1. Double-check your belongings: This goes without saying; if you want all your stuff to end up with you, make sure it is all accounted for, and then count it again.

     

    1. Triple check your route: Typically moving across the country requires several vehicles and clearly, several hundred miles. It is important to make sure you know where you’re going and where your stuff is going, so triple checks the route to your new home.

     

    1. Leave it to the professionals: Of course, the best way to move cross country stress-free is to leave it to the professionals. Sure you can rent a truck and drive it yourself, or you can sit back, relax, and let the experienced professionals pack your stuff with care, drive that heavy truck, and keep track of your belongings for you.

     

    How can I move cross country cheaply?

     

    It’s true, anyone can move across the country, but not everyone can afford it. Although oftentimes you don’t have a choice.

     

    If you have to get your stuff across the country, then money can’t stop you from doing so. Even if you know how to get your stuff across the country, most people are more concerned with knowing how to get it there cheaply. Fortunately, saving a few extra dollars in your wallet is possible.

     

    Moving cross country cheaply requires these things:

     

    • Choose the ideal moving time. Not everyone knows this, but there is actually a moving off-season. This is typical during the fall and winter when moving companies experience less business. During this time they will likely offer better prices and discounts.

     

    • Look for discounts. If you’re not moving during the off-season, still look for discounts. Coupon codes, military discounts, student discounts- you’ll never know what a moving company has to offer unless you ask.

     

    • Check if your company can pay for some or all of the move. Often times if you are required to move more than 50 miles away, at your job’s expense, your employer may be required to assist you. All you have to do is speak with Human Resources.

     

    • Find free stuff. There is nothing better than free when you have to move 3,000+ miles away. Find free boxes and remember that backpacks and suitcases can store items just as easily, and all those towels and blankets you have are great for keeping fragile items protected.

     

    • Drive your own car. One of the biggest ways for you to save money when moving cross country is by driving your own car there. This takes care of the cost of you and your car, without having to put you on an airline or transport your car via trailer.

     

    • Hire moving labor. Whether you want someone to pack, unpack, load, unload, or all of the above, if time is money, you will save significant money by saving significant time, if you hire some help. That’s what they’re there for.

     

    How much does a cross country move cost?

     

    Once you’ve saved a pretty penny or two by following our cost-effective tips and tricks, you might be wondering how much it does cost to move cross country anyway?

     

    Of course, there is not one standard cost. Moving from New York to California is still different than moving from South Carolina to Arizona. Then you have to factor in a number of bedrooms, amount of stuff, and overall mileage. To put it in perspective, a move of only 1,000 miles, starts around $4000.

     

    While you might not get an exact answer here, it is important to know what you will be paying for when it comes to a cross country move.

     

    Some of the factors to consider for your cross country move include the size of your move, packing fees, travel fees, storage, moving supplies, and liability and coverage.

     

    Specifically, travel fees are important to factor because most people can’t simply drive a week straight without stopping. So it is important to consider where such as in what hotels you might be staying at and when. Travel fees also include gas if you are driving yourself.

     

    When moving such a far distance and using professional movers, liability and coverage is also a fee that several people forget to include. It is important to have this coverage however to protect and insure your goods.

     

    How long does it take to move cross country?

     

    After the chaos and commotion of packing, the only thing you’ll want to know is: when do we get there? When moving cross country, the journey might be interesting, but admittedly it’s all about the destination this time.

     

    Everyone wants to know when they and their staff will be in their new location, and the truth is that it is all dependent upon where you’re going. Typically a move across the country can be completed in as little as 2 to 5 days but can take as long as 7 days to move from coast to coast.

     

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    For the first time ever our company takes the stress out of your move and puts all the control into your fingertips. You would hire a professional to do any other kind of job, so hire professional movers to do just that, move.

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  • 8 Things to Look For When Trying to Avoid Moving Scams
    Before Your Move

    The whole process of moving to a new place can seem overwhelming and stressful, especially when you’re picking up your life and moving it elsewhere. When you’re getting ready for a big move, you are going to find that there are a lot of different things that you need to think about.

     

    One of the biggest concerns is that, now with the internet, there are a lot of ways that you can get scammed by “moving companies” that are not legitimate. These scammers come in a number of varieties, so how are you supposed to know who is actually going to take care of your move and who is just looking for your money?

     

    While there’s no absolute, surefire way to know what companies are legitimate and which ones are not, there are definitely some indicators that can give you a heads up.

     

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    1. Keep an Eye Out for Fake Credentials

     

    There are not a lot of credentials out there when you start looking at moving and storage options for your big move. Many times, scam companies will make up credentials to make themselves sound legitimate.

     

    In short, there are two credentials that you want to look for when you’re looking for legit companies: the American Moving and Storage Association and Better Business Bureau. If the company has high ratings and/or certifications from these entities, then they are definitely legitimate and you can go with them for your move.

     

    2. Talk with Friends and Family Members About Who They’ve Used

     

    One of the best ways to avoid scams is to talk to others about what companies that they have used for moving services in the past. Many people will tell you about their thoughts regarding the moving companies that they have used, chatting with you about what they liked, what they didn’t like and how they wanted to try and accomplish their goals. You can hear about the options that will work best and help you to make some solid choices.

     

    3. Use a Reputable Website to Connect with Moving Professionals

     

    When you use a reputable site like iMoving.com, you will find that there are a lot of pluses to the whole thing. One of the best things is that these reputable sites put a lot of time and effort into ensuring that the companies that they recommend are legitimate companies that do what they say that they are going to do.

     

    There is so much that needs to be done during a move, and everyone has different needs. So, if you use a reputable website, you can actually look at everything that is available, seek out what you need to get and make sure that, in the long run, you’re going to get some solid value and that you’re with a good company. 

     

    4. Be Concerned If the Cost of Moving is Way Off of the Mark

     

    Moving is a pretty pricey thing. Local moves can be relatively cheap – a couple of hundred dollars will usually cover everything that needs to be taken care of. But, long-distance moves definitely cost a lot more – estimates average somewhere between $1200 and $1800 depending on where you are moving, what you’re moving and how long it’s going to take to deal with everything.

     

    If a company lowballs the cost –for example, saying that a cross country move is only going to cost a couple of hundred dollars – you definitely want to avoid them because they’re likely just looking to get some money out of you without doing the work. Also, keep an eye out for overestimates as well.

     

    5. Don’t Agree to an Unusually Large Deposit for Your Move

     

    While many moving companies will require some sort of deposit, it’s usually no more than 5% of the initial move estimate – almost all of the companies that we at iMoving.com work with only require a small deposit in order to hold your date and do what they need in order to get you scheduled as needed.

     

    Talk with the company about your deposit and make sure that it seems like a fair number. You should be especially concerned if you see that they want the entire move as a deposit, or even half of the estimate – steer clear and go with a more reputable company in order to get everything worked out.

     

    6. Watch Out If The Contract is Incomplete or Doesn’t Make Sense

     

    Many times, moving companies that are not legitimate will send you a blank document, or one that doesn’t make a lot of sense in relation to the move that you have been considering. If so, then you may be looking at just another scam - they probably threw it together hoping that people wouldn’t read it and wouldn’t pay attention. Be sure that you look the entire thing over and see what they’re saying in the contract before making any sort of decision.

     

    7. Does the Company Have a Name or Do They Go By a Generic Name?

     

    What’s in a name? A lot, especially if you’re looking at a moving company. If they only appear to be called “movers” or “moving company” without any other sort of name, it’s likely that they are a scam.

     

    You want to be sure that you are able to look the company up, by name, so that you can see ratings and such. If you can’t find them on the web or via any other fashion, then they should also be something that you are going to want to avoid. It makes more sense and you can know that you aren’t going to lose money on whatever you’re trying to do.

     

    8. If They Don’t Offer to do an In-House Estimate, Steer Clear

     

    Moving companies will, more often than not, offer to do an in-home estimate for your move, especially if it’s a long-distance move. If they don’t offer at first, be sure that you say something. If they refuse, say it’s not necessary, or just tell you that it’ll be a number or flat rate, then you may want to avoid hiring them. Not only could it be a scam, but you don’t want to get low-balled (like we mentioned above) or end up paying too much after you were told a certain estimate.

     

    Be sure to have a mover them come in and take a look, especially with a long distance move, so that you can get a true estimate of how much that you’re going to have to spend in order to make sure that your move goes as you plan it to.

     

    Above all else, do your research. We have plenty of suggestions here at iMoving.com, and we can help you to find the legitimate, trustworthy moving companies that can assist you with everything that you may need here.

     

    Look around as much as you can so that you can learn as much as possible and, when you work out what is necessary here, you can figure out the details and know that you’ve got some options that will make sense for what you need to do and how you want to get ahead of everything.

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