Filing a claim for damages can be a daunting process, but it doesn't have to be. In this comprehensive guide, we'll walk you through the process of filing a moving insurance claim, from start to finish. When it comes to filing a claim for damages, the most important thing to remember is that you must do so within 45 days of delivery. Once you file your claim, you will receive a claim package with specific instructions.
You will then have up to 60 days from the date the claim package is emailed to you to send the requested information. Most claims are resolved within 7 days or less, provided that you and your moving company have submitted all the required documentation. It's essential to understand that every company applying to join our system is thoroughly checked for their relevant state and federal transportation licenses, their valid liability, auto, cargo and warehouse insurance policies, their previous loss history (in terms of previous claims), their history of Better Business Bureau (although we do not require that they be a member of the BBB) and their experience general in the transportation of household items. We have an internal process for classifying companies in our system; however, this process is not open to public review. We rank companies affiliated with us first based on their loss ratio (claims paid versus premiums collected), but we also consider other factors.
The quality of our affiliated companies is checked periodically and continuously, as insurance is purchased or claims are filed by their customers. Licenses and insurance are validated quarterly per year, or more frequently if we receive customer complaints. It's also important to note that while the moving company will make its own inventory of your belongings on the day of the move, having both your list and that of the moving company will ensure that no items are lost. This sheet contains mobile stipulations that you will need to transmit to the insurance company so that it can start the claim process for you. It's also a good idea to take photos and videos of your items so that, if you have to file a moving insurance claim, you can provide concrete evidence of the item's previous condition. Plus, having two lists means you'll be able to submit twice as much evidence if you're forced to file a moving insurance claim later on. Your goods are covered for up to 90 days if they are stored in the storage facilities of the moving company (SIT), as well as if they are moved out of the warehouse.
When filing a moving insurance claim, the most important sections will be the bill of lading and the home inventory sheet. Rates vary depending on your type of insurance and also depending on the final destination of your household items, whether you're moving locally, out of state, or internationally. If moving companies can blame you for the damage, you'll have a hard time filing a moving insurance claim. Each moving company has a slightly different process and policy, so contact your moving company to learn about any additional steps or documents needed. It might seem strange to prepare to file a moving insurance claim (no one wants their items to be damaged). However, a little preventive vigilance can make the process easier if you end up having to file a moving insurance claim later on.
If you don't realize that there are damaged or missing items before the move is complete, most moving companies allow you to file a claim within nine months of delivery of the items. If you need to give a timeline of events when filing a moving insurance claim later on, it's important to keep records such as photos and videos taken before and after delivery. This way, you'll have concrete evidence if something goes wrong during transit. Filing a moving insurance claim doesn't have to be difficult or time-consuming. By following these steps and keeping records throughout your move, you can ensure that your claim is processed quickly and efficiently.
