Many moving companies only provide Released Valuation, which is required by federal law. This is coverage that all moving companies must provide at no cost to you. Released valuation is basically a default payout of $0.60/lb per item, it is not based on value. For example, if your LCD TV weight 40lbs and is broken the movers only pay $24.00 in damages.
In addition to the federally mandated, released valuation coverage, we offer full value insurance at no additional charge on our normal, household goods moves.
This is how it reads in our standard contracts.
“4WH is not responsible for damage to items while not in our possession, not properly boxed, protected or fully disassembled and any made of particle board.”
and
“Damaged items will be repaired or replaced at our discretion with items of like kind and quality. Claims are figured at replacement value minus a $200 deductible. 4WeHelp Cincinnati Movers reserves the right to require documentation and use reasonable standards to verify any claim.”
If loading/unloading a rental truck, storage space or moving container, we cannot be responsible for any damage once out of our possession.
If an item is damaged on site, please notify the crew leader immediately. Any damage or loss must be noted on your contract before your moving crew leaves. We provide ample space for you to note any claims or concerns on our standard contract. You will receive a copy of this for your records.
Damage claims are a separate service from your move. Our office will contact you with instructions on how to file a claim. Claims are accepted only once payment for the move is made in full. Claims must be made directly with our company and not through any 3rd party. Submitting clear pictures and receipts does expedite the handling of your claim.
Examples of exclusions or exception for the customer:
- If a customer provides the truck or container and fails to provide adequate furniture pads during a load no claims are excepted. Furniture pads are necessary to properly load a truck and prevent damage. Pads are not provided by our movers unless we are also providing the truck or you purchase them from us in advance of your moving day. We recommend at least 2 moving pads for every 1 foot of moving truck. For example, a 26″ truck needs at LEAST 50 moving pads.
- Poor packing or failure to pack fragile and valuable items with proper protections such as bubble wrap and a rigid frame to support glass, marble or similar pieces.
- Older boxes being reused that no longer hold their rigidity and structure.
- Boxes that are not properly closed and taped at their flaps on both their top and bottom.
- Furniture that is not emptied of its contents.
- Art work, objects of art, posterboard, stretched canvas, mirrors, marble, glass or ceramic items not packed in a properly sized box.
- DLP, LCD and Plasma TV’s that are not in the original box with proper spacers or a box specifically designed for their protection.
- Press board or particle board furniture that is not fully disassembled- Examples being the furniture that you buy in a box and assemble yourself such as Sauder desks or Ikea dressers.
- The above insurance only applies to normal household goods moves. The above quoted mandates do not apply to corporate, commercial and business moves. These are insured as agreed in the commercial contract.
Accidental Damage To Your Home:
- Damage to your home is not regulated by any state or federal law.
- Our liability insurance only covers damages over $500.
- Damage to walls or doorways larger than the size of a nickel will be repaired at our cost
- If any damage needs to be painted we will paint only the repaired portion. The customer is responsible for acquiring and providing any needed paint or stain.
- Damage to hardwood floors by furniture is not covered when the feet of the furniture do not have the necessary padding or protection.
- All repairs are done at our discretion.
If you have any questions about our coverage coverage please feel free to contact us.
