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Moving? Thinking about doing it without moving insurance? That’s a risky decision that could cost you in the end. Even if you have hired a reputable moving agency, making the investment in a moving insurance policy is the smart thing to do.
The U.S Department of Transportation’s Federal Motor Carrier Safety Administration (FMCSA) states that every moving company is liable for the amount or value of anything they transport. Meaning, there is no guarantee your items will arrive intact, but it does mean that they are responsible for any damage they cause. Many moving companies provide “valuation”, but that is not the same as insurance. It may be a part of your contract, so it looks like there are no extra fees. This may be appealing if saving money is a factor, but a false sense of security as damages are common especially while moving long distance.
THE AVAILABLE COVERAGE
There are levels of liability, two, basic, that every moving business must offer: “released value.” and “Full value.”
Full value protection: The mover holds the responsibility for the full value of the shipment. This is offered for an extra fee, the mover is left with these choices: replace, repair or give you the cash value for any damages.
Released value: Free of additional charge, this greatly lowers the amount the moving company is then obligated to pay should something become damaged. This option ensures that the company is only held responsible for up to a faction of the item’s value based on it’s weight, at 60 cents per pound for each damaged item. For example, say you own, and are having, a 25-pound bookcase worth $500 that is moved and gets damaged, it is the mover that is then obligated to pay you $15 ($0.60 x 25). You would be required to sign and agree to the conditions of a waiver prior to the move, if you opted for this. The requirements of valuation are not regulated at a state level, they fall under federal jurisdiction.
It may seem overwhelming, so here are a few things to consider when committing to moving insurance:
1) READ THE CONTRACT BEFORE SIGNING ANYTHING.
Know what you’re agreeing to. Once you have signed a bill of lading agreeing to the terms, you will have no legal recourse, should something go wrong.
2) DO YOUR RESEARCH.
There are many reputable insurance companies, including third-party insurers. Call your home insurance provider and ask if they have any recommendations. A little extra footwork on the front end can save you major headaches in the long run.
3) MAKE THAT CLAIM!
So something went wrong and your favorite chair got ruined in the move. The good news is that you were smart enough to get insurance! But be sure to file your claim within 9 months. After 9 months, the time limit has expired and you are stuck with a broken chair and no way to pay for a new one.
4) LIFE HAPPENS.
Bad things sometimes happen to good people. And to good furniture. But bad things can be made right if you take the steps to acquire moving insurance. Research and hire a reputable NYC moving company, and make a timely claim if the moving company damages any of your household goods.
Don’t take the risk…get moving insurance. It’s a relatively inexpensive one-time investment in your peace of mind. Our moving consultants are ready to discuss in detail the best optional moving insurance for your upcoming move!
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If you are looking to move into a new area, it’s especially important that you pack accordingly to avoid any possibility of damage when moving. For this, you need a watertight plan to protect your goods when planning a move. Here are the few ways to protect your goods using proper moving boxes:
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Pack Properly: If you are taking a move into a new area then make sure that you have packed your goods properly. If you have done this thing in a proper way then you may avoid most of the damaging issues. So it would be your first priority to pack your all of the goods in a proper way. And it’s not a good idea to do hurry while doing packing job. Start by sorting and categorizing: things that seldom find any usage should be packed away first. This is also a great opportunity to throw out, donate, or move to a storage unit anything that you’re certain you won’t need in your new home and minimize clutter. Next, pack clothing- keep only the more versatile outfits that you’re certain you’re going to wear for the few days before moving. Finally, pack away everything else. Pay special attention to the stacking of items- some items, like clothing, are stackable, whereas others, like electronics are not. Also, be careful with the orientation in which you stack items. Long, thin items, like lampposts, should be stacked on their sides as that may cause them to bow or break. After packing all of the things, make sure to recheck them.
Use the proper moving or packing boxes: One common mistake that people make when moving is assuming that a box is a box. Not all boxes are created equal- for moving you’re going to want specialized plastic moving boxes, or reinforced cardboard boxes. Pay attention to the weather forecast before you move. If you intend to primarily use cardboard boxes, they’re being cheaper, either go for the waxed kind or move on a day that has a zero percent chance of rain. Purchase different sizes of moving boxes as per requirements of your goods. Generally speaking, clothing goes in bigger boxes because there’s no risk of damaging it no matter how many layers you stack, whereas electronics and precious antiques should be placed in smaller boxes, surrounded by an insulating layer of shock-proof pellets or air bags. And don’t try to stuff more objects in a single box. If you put your goods in the proper boxes then you may avoid damaging your belongings.
Focus more on electronics goods: If you have some of the electronics goods like TV, AC, Fridge and laptop then try to focus more on all of these products. Not only are these things more valuable and thus warrant additional care, they are also more sensitive to drops and bumps. When packing such goods, have someone spot for you to keep from blindly dropping electronics in boxes. Consider investing in a palette for your fridge, as asphalt can damage its finish. Hard disks and CD drives should be placed in electrostatic resistant bags to prevent data loss. Hollow and flat components, such as CRTs and LEDs respectively, should be placed reinforced with Styrofoam or packing rebar to keep them from bending and breaking. If you are not aware of that then you may face damaging issues. Always remember to use appropriate moving boxes to pack.
Put down goods gently and carefully: Take down your goods very carefully from moving truck or vehicle. After reaching their new destination, people often find themselves in a hurry when to whisk things out of the moving truck and into their home. It’s generally a good idea to curb your enthusiasm and avoid hurrying that time. This is vital to keep your possessions from incurring any harm.
By following all of the tips discussed above to avoid any of the damaging issues. Through this way you can protect your goods easily. For more details, ask for the assistance of New York Local Movers to protect your goods and pull off a seamless next move. We here at New York Local Movers always take care of your goods and purposefully plan your move with that sole tenant in mind.
Moving can be a stressful event, but your stress level can be significantly lowered if you take certain steps to prepare yourself for moving day. This includes making sure that some items are never handled by a moving company, even a professional mover, due to being delicate in nature or simply too important for other people to handle. This is not to say that movers cannot be trusted to take care of these items. Movers are professionals that have the knowledge and experience to move just about anything. However, there are always items that are best left in the hands of the homeowner.
- When deciding whether or not to allow a professional mover to have access to certain items, ask yourself the following questions: Do these items have high monetary value, such as electronics, gems, or artwork? Do these items have sentimental value, such as photos of deceased loved ones, baby books, or heirlooms?
- Is this item something I will need on the first night in my new location?
If the answer to any of these questions is “yes,” it is highly likely you should carry these items yourself to your next destination. Below are examples of a few items that you should pack separately and carry with you to your new home.
Expensive Electronic Equipment and Devices
Computers, digital cameras, and smartphones are just a few of the devices you should probably take with you to your new place. This is not only because they tend to be expensive, but also because these are items you tend to use on a daily basis. When you move, you may not have access to all of your belongings from day one as it can take some time to unpack your boxes. Therefore, with electronic devices it is always best to take them with you so you can use them immediately after moving in.
This one is obvious, as most people have family heirlooms that have great sentimental value. This can include jewelry, furniture, or even antique items like clothing or sewing machines. Family heirlooms cannot be replaced, so if they get misplaced, lost, or broken in the process of being moved it can be heart-breaking. Save yourself the stress and take these items with you when you leave, don’t leave them for the movers.
Artwork, Collectors’ Items and Antiques
Anything with a high monetary value should be carried with you to your next location. Items like autographed memorabilia, rare artwork, and other collectibles may get lost or become damaged during the move, which would cause both financial and emotional loss, so it is best to take care of these items yourself.
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Documents You Consider Important
Always personally carry your legal documents, as well as documents such as marriage licenses, birth certificates, passports, drivers’ licenses, medical records, mortgage papers, bank statements, and any type of written contract, including contracts related to the move itself. Place all documents and paperwork in a small safe, lockbox, or even in a locked briefcase, and place it in your car before you move to your new place.
Jewelry pieces are often small and intricate, and gems and precious stones are very valuable. Rings and brooches are especially easy to lose or misplace, and because they tend to have both sentimental and financial value, they need to be taken by hand to your new location. An added tip, place necklaces through regular drinking straws to keep them from getting tangled up during the move, and place thicker bracelets and necklaces into empty toilet paper rolls before placing them in delicate tissue paper or empty plastic bags. This process will keep your jewelry safe and in one piece for the journey ahead.
The most important thing to remember about moving is that many items are valuable to you both financially and sentimentally, so you’ll want to keep them as protected as possible and move the items yourself. Although most professional movers are reputable and experienced enough to move your belongings properly and without incident, accidents do occasionally happen so it is always best to prepare for them ahead of time.
You should also check with the individual moving company and make sure there are no rules regarding other items, such as live plants, which they may not be allowed to carry with them in the moving van. This is a last-minute step to take that, when taken with the above recommendations, can help assure that you protect your valuable items during that all-important move.