The Claims Process
The Residential Claims Process
Your claim must be sent via the US Postal Service. Once we receive your claim it is entered in our computer database system and a file is created. We check the submitted claim for completeness. A claim is not considered submitted unless all the elements constituting a claim are present - a letter describing specifically what was damaged or lost; a copy of the move documents; pictures of the damaged items.
If your claim is not complete we send you a notice (via email or mail) of what items are still needed for your claim. Your file is posted in our computer system as PENDING until we receive the missing information.
if you insured your move with a third party insurance company or through your homeowners policy, contact them first. They will process your claim and get with us after settling with you.
If You Insured Your Move
Processing Your Claim
Once we receive a complete claim we notify you that the claim has been received. We use the United States Postal Date Stamp to date your claim start date. The claim then goes to our certified adjusters for review. The adjusters look at your contract to see at what
Valuation Is Not Insurance!
Your moving company cannot issue you insurance! They are however obliged by their tariffs to provide two valuation options.
the shipper, to set a valuation on their entire shipment and then, based on weight, assigns a value per pound. This has deductibles and the carrier can charge based on their tariff.
Full Replacement Value
The second option is
$0.60 cents per pound per article – there is no cost for this coverage.
The adjuster reviews your claim and compares it to the REMARKS & EXCEPTIONS made by you on the Household Goods Descriptive Inventory List (local moves do not generally have an Inventory List. Remarks can be made separately on the Bill of Lading). They compare this list with the pictures of the damaged items. They also look for items declared as "extraordinary value" such as paintings or jewelry. These items must be declared on a separate inventory list called "Items of Extraordinary Value" and must have been filled out prior to moving.
Once the adjuster determines the claim settlement amount, a letter is sent out to you. The letter contains an explanation of how the claim was adjusted and a "Release and Settlement of Claim" form. This form shows the amount of the claim and the conditions of accepting the claim. All that is required is your notarized signature. Once you mail this form back to us, we record it in your file and forward it on to your moving company for payment.
Claims Adjustor Review
Release and Settlement of Claim
Please remember, we are a third party claims company. We do not issue your check - your contract is with the moving company and they will issue you a check.
For a more information click on the link to the Federal Motor Carrier Safety Administration.
Not Satisfied withYour Settlement?
Federal regulations require companies that do long distance (interstate) moves have an ARBITRATION PROCESS. Click on the ARBITRATION link below to learn about the process.
you released your
which requires you -
This is a basic valuation of