Filing a moving insurance claim

How To File a Moving Insurance Claim

Once you start preparing for the move there are many things you need to cover. In all honesty, most of them are not cheap. Moving is not easy, and it takes a lot of time and money, and that is a fact. But, there are some things you just can’t skip. And one of them is definitely a moving insurance. Did you ask yourself at any time what is moving insurance and do I need to purchase it? Well, in short – yes. It is something you need to do at all costs. This is one of the most important things you need to cover when relocating. In case of any unfortunate case of events, your belongings might get damaged or broken. That is when you need to file a moving insurance claim. And here is how to do that.

Make sure you have a moving insurance for your relocation

Even with all precautions, there can be some troubles during the moving day. A bump on a road could damage your belongings in the back of the moving truck. Those things happen, and there is nothing you can do to prevent them. But, you can ensure that in that case, you will have a plan B. And that plan B is the moving insurance. Therefore, before you even hire movers, you need to ask around how does this works. Let’s say you are moving to Brooklyn. As there are many movers around New York City, your job will be to find the most suitable ones. The first thing on that road is to get as many moving quotes Brooklyn as possible in order to identify good and reliable movers. Once you get the offers, make a short list of ones that have moving insurance as an item.

broken glass
If anything gets broken during the move, a moving insurance will cover it

Once you make sure that you have a moving insurance, you can relax a little bit. In case something bag happens, all you need to do is to file a moving insurance claim. This can be a bit longer process, but you will get what is yours in the end. Important to realize is that you will have no rights in case you do not have this insurance. That is an essential thing and your only cover in case of an accident. Therefore, the first step in the process of moving insurance claim is to actually have an insurance.

Your first steps when you need to file a moving insurance claim

Even though you did everything you could, an accident happened, and your moving truck Brooklyn now contains damaged goods. Your movers called you to inform you about the accident, and you simply do not know where to start. Well, the very first step is to remain calm and not stress about this. Keep in mind that you have a moving insurance and everything will be ok eventually. Take a deep breath and go to meet your movers. Once you come to the scene, the first thing you are going to do is to take a picture. Actually, a lot of pictures, as you will use them as an evidence later on in the moving insurance claim process. In case your belongings are damaged during the unloading process, the procedure is the same.

a girl with a camera
Make sure you take pictures of damaged items

After you finish with pictures, it is time to make a document stating the monetary value of damaged items. In case you have receipts of these items, you can skip this part. Otherwise, make sure you know how big the damage is in order to get what is yours.

Involve your movers in the process

It is important to involve your movers in this process. If you are lucky enough, they will be able to help you a lot. Otherwise, you will need to file a documentation that is containing details of communication between you and movers. Therefore, make sure you keep all documents in soft and hard copy during the relocation process. Here is what these documents include:

  • Your moving contract
  • Official letters you received from your movers
  • Moving service receipts and bills
  • Communication proof in form of faxes, phone communication, and emails

Additionally, when you want to file a moving insurance claim, there are two most important documents:

Make sure you inform your movers that you are filing a moving insurance claim. Sometimes they will offer a solution without going through the official channels. If it works for you – take it. If not, make a claim.

It is time to file a moving insurance claim

The last step is to gather all necessary documents and file them to the insurance company. Here is what you are going to need for this part:

  • Copy of your inventory list
  • Copy of the inventory list the moving company made
  • Photos of damaged items
  • Receipts of damaged items
  • Document where you will state what happened

Once you do this, you will need to wait before you get your money. Keep in mind that this process can take up to 120 days, even though often it is resolved in a much shorter notice. There is a possibility that someone will contact you in the meantime for additional info. Make sure you reply promptly in order to speed up the whole process.

a woman filling insurance claim document
You will need to fill some forms and documents

Filing a moving insurance claim is something you need to do very carefully in order to get what belongs to you. Make sure you cover everything from the above and pay attention to details. Even if something goes wrong during the move, try to stay calm. It is not the end of the world. That is exactly why you paid extra for the insurance, and everything is going to be ok in the end. Do not blame your movers as well, and try to stay positive and talk everything through. The only important thing is to finish your relocation at the earliest possible convenience. That is why you need to focus your strength on speeding up the moving insurance claim process.

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