I know how much you have prepared for this time and how eagerly you anticipate settling down. But the worst part is discovering that some of your possessions are not in the same condition.
Undoubtedly, this may be discouraging!
If you are not satisfied with this scenario and feel compelled to act, you must make a moving insurance claim. I recommend filing an insurance claim with your local moving firm.
Are you confused about how to go about this process?
In this article, you will learn how to file a moving insurance claim.
Guess what?
It’s not as difficult as you think!
Let’s get started!
What Is A Moving Insurance Claim?
Moving insurance claim is the complaint you file if any of your belongings are damaged following your relocation. Furthermore, it is a claim that you submit to demonstrate that your goods have been harmed or are not in the same state as when you left them.
It is essential to have your belongings insured for the intent of all purposes and peace of mind.
Whatever occurs, your claim will be more valid if the damaged or missing item is on the moving inventory list created by your mover when inspecting, packing, or loading your things.
Prepare ahead of time for the Relocation
Getting ready to make a moving insurance claim may seem strange (no one wants their items to get damaged). However, if you need to submit a moving insurance claim later, a little forethought can make the process go more smoothly. It extends to ensuring that your belongings are covered.
At first, to get ready to make a complete inventory of your stuff and belongings is to have a thorough and precise list. Include the present status of each item, credit card bills, and the monetary worth of each item in this inventory as solid proof.
Also, it’s a better concept to take pictures and videos of your belongings so that you can give verifiable documentation of their former state if you need to make a moving insurance claim. Even though your local moving company will have its list and inventory of all the stuff, you must have your own to ensure no items are missed.
So, once you’ve completed the entire document, if any of your belongings are harmed, start the process of filling a moving insurance claim.
Document the Monetary Value of the Damaged Item
Only when you observe damage or injury to your items does this procedure begin. Once you’ve spotted something, make sure to photograph the item in its current state and compare it to its previous state.
Having both the old and new photos documented would be pretty helpful in proving your point. Some moving firms will request this tangible evidence to submit a claim.
Following that, make a note of the item’s monetary value. If you bought the item yourself, look through your credit card accounts and receipts to verify its worth.
Note down All Communications With your Moving Company
You must record any discussions with the moving company from when you decide to engage them until filing the claim. These documents will provide you with correct information about the time frame in which you filed your suit. Insert all the hard copies of documents, bills, receipts, and faxes from the moving company, as this will serve as solid evidence when filing a claim.
However, you shouldn’t only document all of the discussions you have with your moving company; you should make sure that any additional conversations or details you get are captured accurately as well. Also, make a list of everyone who you speak with during that time.
Examine the contract with your moving company once again.
The next step is to read over the contract with your moving company, again and again, paying close attention to every detail. There are several aspects of the agreement to which you must pay attention. The inventory and bill of lading parts are two that you should focus on.
The Bill of Lading is a file that verifies the agreed-upon pick-up and delivery dates for your things, as well as your insurance coverage, by requiring your signature. Ensure that you have a copy of this document on hand. Besides, filing a moving insurance claim will take a lot of time and effort, and you don’t want to get stuck halfway through without the necessary documentation.
Further, the inventory sections show you the total amount of belongings in your possession. Double-check this section because it provides information on the things retrieved by the moving company. You should compare it to yours to ensure that it is accurate.
Inform the moving company that you are submitting a claim.
Next, inform your moving company that you are submitting a claim with your moving insurance. Every moving company has a somewhat different method and policy, so check with yours to see any additional processes or paperwork you’ll need.
Additionally, inform the moving company of the damage or loss, inquire whether they require tangible documentation of the harm, and inquire about their dispute resolution procedure. The moving firm may decide to resolve the matter directly with you. If not, they should provide you with the necessary documents for filing your moving insurance claim.
File the Moving Insurance Claim
You must begin your moving claim within nine months of discovering the damage, according to the law. The ideal thing is getting started as soon as possible, so it is recommended you have all the items listed above.
After the moving company has provided you with the items you need to bring, you should strive to include the following items as much as possible, even if they are not required:
The moving company has thirty days to acknowledge your claim once you file a moving insurance claim. They have 120 days to resolve the dispute after that. The type of moving insurance you agreed to determines how the moving business handles the claim. You have to know how much your moving company is responsible.
Final Words
Before filing an insurance claim, you must make sure you have a couple of items ready for review as before mentioned. Being prepared will help in making sure the process is completed smoothly and in a timely manner.Being prepared will also prevent any obstacles or delays with your insurance claim. For example, you must make sure you are adding the correct values of your items; receipts or credit card statements come well into hand. You should also strive to obtain the relevant paperwork so that you are not denied the opportunity to receive restitution for your belongings.
