When you are working with a professional moving company to move your belongings, even with all precautions taken, accidents can happen and items can be damaged during the move. Limited valuation coverage is required by most states for moving companies. This is what HuberWilmot Moving & Storage provides for local and intrastate moves. This will cover 60 cents per pound, per article with a fifty dollar maximum.
For any long-distance moves, HuberWilmot Moving & Storage provides basic valuation coverage, which is also $0.60 per pound, per article.
If you have any questions about valuation or about how claims are settled, please read our service contract, and contact us with any questions.
Limited valuation coverage means that the moving company will cover $0.60 per pound, per article with a maximum of $50 at no additional cost. So, if you are moving a television component valued at $1,000 that only weighed 25 pounds, the moving company is only liable to pay $15. Age and depreciation of items are also considered in the claim.
There is a full valuation protection plan that you are available to purchase, this will cover your shipment for its full value. So, that same television component that is worth $1,000 will be covered for $1,000.
Insurance and valuation coverage are two separate options available to you. Moving insurance is something that is not offered by a moving company but rather something that you receive through an insurance company. Purchasing insurance through an insurance company for your household goods means that you will need to insure them for the exact amount they are worth. HuberWilmot Moving & Storage is not an insurance company, however, it will settle any in-house claims through its claims department in accordance with the limits of liability on the service contract.
Valuation coverage is what is offered by the moving company for any loss or damage that occurs during the move. Valuation coverage is offered in varying levels of protection. Whatever plan you choose will predetermine the limit of liability provided by the moving company by the wording on the bill of Lading. This has no relationship to the actual value of the shipment. Like most local moving companies, HuberWilmot Moving & Storage provides limited valuation coverage at $0.60 per pound, per article up to a maximum of $50. Additional valuation coverage options for different levels of liability are available to purchase from HuberWilmot Moving & Storage.
Limited valuation coverage is included with your move. This will be coverage of $0.60 per pound, per article up to $50, whichever is less. If there are any deductibles, this applies to the customer and not HuberWilmot Moving & Storage.
Increased Value Liability Coverage is not automatically provided. If purchased, it must be done 48 hours prior to the commencement of services.
Additional coverages/lower deductibles are available, and these extra coverages must be declared/approved before 48 hours prior to commencement of services.
What is an Inventory?
The driver will generally inventory your shipment as he or she loads it (although it is not required by law). When completed, the inventory provides a detailed, descriptive listing of your household goods, along with the condition of each item when received by the mover.
Be sure that everything listed on the inventory is correct. This is not always the easiest task, as you will find things written on the inventory such as “PBO,” which means “packed by owner.” The contents of this carton cannot be listed, as the driver is simply not able to see inside each box. You will also sometimes find “CP” on a line item in the inventory, which means “carrier packed” container.
You may also notice, in the middle column on your inventory form, a line that has many seemingly random letters and numbers associated with a specific item. This is where a driver uses inventory code to make note of the condition of an item. To understand this code, you can refer to the top of the inventory sheet for a legend that will explain what each code means. For example, SC means scratched; C means chipped; the number 3 refers to the right side of piece; and 8 refers to the top of the piece. This is a simple (and consistent) way for the driver to make note of any irregularities or existing damage.
Remember, this inventory is for you to keep track of what is loaded, and the condition of each item. If damage occurs on a certain piece during the loading process, make a note of the inventory tag number on that item and indicate it in the far-right hand column on the line that corresponds with that piece. This is the document that will be scrutinized when the claims process is initiated, so it is important to have the damage clearly noted.
This inventory should also be used at-destination when your shipment is delivered. Use the inventory to verify the articles that are delivered and, again, note an exception to the condition of any items as they are brought into your home. Point out the damage to the driver.
What often occurs is that a piece of furniture has been in your home for many years and you grow accustomed to looking at it in a certain place and in a certain light. When you bring that same piece into your new home, you may notice damage that may have been there for a long time. The driver will have noted the scratch or chip at your origin residence. If you are not sure if it was existing damage or new damage, ask your driver to explain the condition of the piece as he noted it on the inventory during the loading process. This is the quickest way to distinguish new damage from what was there all along.
Our drivers are incredibly careful about the way they handle your items, and the inventory is their safeguard against potentially fraudulent damage claims. Use this inventory to your advantage in making sure that you are protected, just as the driver uses it to protect himself or herself.