Moving to the Dallas - Fort Worth Metroplex? Get your answers and make your buying decisions easy by using our resource guide.
| Moving To Dallas-Fort Worth |
After the rooms above have been addressed, then you can rearrange furniture already place by the movers in the bedrooms, living room and dining room. If you need to assemble large pieces of furniture, do it only when you know where furniture will be placed. One good tip is to organize your closets before you unpack other boxes. This way, you can hang up your clothes and sort your shoes.
The last place in the home to consider unpacking is the garage. While items in the garage can be bulky and heavy, like lawn mowers, power tools and gardening equipment, they aren’t essential. It’s best to have garage shelving available so you can store boxes until they can be unpacked along with other non-essential items.
Claims
Best practices from the American Moving and Storage Association suggest that if any of your household goods are damaged or lost, report the facts promptly and in detail on the van driver's copy (original) of the inventory sheet before you sign it. If you notice damage after unpacking, a claim must be filed within nine months after delivery. However, it is to your advantage to report damage as soon as possible. The mover must acknowledge receipt of your claim within 30 days and must deny or make an offer within 120 days of receipt of your claim.
When making a claim or considering a settlement offer, keep in mind the amount of liability that you declared on your shipment. For example, if the value declared on your shipment was $5,000, the mover’s maximum liability for loss or damage to the articles in your shipment is $5,000. Claims for more than this amount will be declined because they are in excess of the mover’s liability that you declared on your shipment.
MOVING INSURANCE
You may assume that your goods are automatically covered by your transportation provider, whether it’s a moving company, mobile storage company or a rental truck company. The basic coverage a moving company is responsible for is 30 or 60 cents per pound per item depending if your goods are shipped within the state or across state lines. In the case of a mobile storage or rental truck company, this liability is set as low as 10 cents per pound per item.
Here’s a summary of the types of insurance coverage provided by most moving companies. When interviewing potential moving companies, ask what coverage each provides.
Released Value is the basic insurance provided by most moving companies. The coverage of this insurance is 60 cents per pound for each one of your articles. If, for example, you have a table that weighs 100 pounds, the insurance will cover the table up to $60.
Declared Value is the coverage of the declared value insurance based on the total weight of your items times the amount paid per pound. Usually the coverage is $1.25 per pound. If the total weight of your items is 1,000 pounds, the insurance will cover you up to $1,250. In case of damage, the insurance will be based on the depreciated value of the damaged item up to the maximum value of all the items that you shipped.
Lump Sum Value insurance provides you the option to insure by the actual value of the items and not by the weight. You will need to declare a specific value for your items and write it down on the bill of lading.
Full Value Protection covers all damaged or lost articles by replacing, repairing or by sending you cash back for the value of the damaged or lost articles.
Beyond the general coverage noted above that moving companies provide, you may want to consider buying specific coverage from a company that specializes in moving insurance. An agent can review additional coverage options, including those noted below, to ensure your household goods are protected during a move.
— Full service – All risk (They load and drive)
This type of coverage applies to goods transported or stored by a full service moving company, and there are two options to consider.
Full Replacement Value - Valued Inventory
This is the most comprehensive insurance option available and provides the best coverage. This insurance is offered for interstate (moving from state to state), intrastate (moving within the same state) and international shipments. With this option, you must list and declare a replacement value on all of the items that you wish to insure. Items may be categorized as a group, such as “living room set, 7 pieces.”
Full Replacement Value - Lump Sum
This insurance is offered for interstate shipments only (moving from state to state) and for international shipments. The total coverage amount is determined when you, place a lump sum value on all of your goods to be insured considering the declared value of the shipment equals no less than $6 times the weight of the shipment. Any items individually valued at $500 or more need to be listed separately in order to be covered at their specific replacement value.
— Full service – Named Perils (They load and drive)
This type of coverage applies to goods transported or stored by a full service moving company.
Named Perils insurance covers only losses that result from causes explicitly listed in the Terms and Conditions. Coverage is available for both the transit period as well as the storage. Causes of loss for the transit and storage periods can be reviewed in the Terms and Conditions for this insurance type. There are two options within this choice to consider:
Named Perils - Selected Inventory
This provides coverage based on an itemized and selected inventory prepared by the insured prior to the shipment date. For your benefit and for proper coverage, you must list and declare a replacement value on all of the items that you wish to insure. This option is the most comprehensive and is the best coverage available, as it does not reduce the settlement amount for depreciation or a co-insurance penalty. This completed inventory could also act as a base for your homeowners or renters insurance policy at the new location.
The last place in the home to consider unpacking is the garage. While items in the garage can be bulky and heavy, like lawn mowers, power tools and gardening equipment, they aren’t essential. It’s best to have garage shelving available so you can store boxes until they can be unpacked along with other non-essential items.
Claims
Best practices from the American Moving and Storage Association suggest that if any of your household goods are damaged or lost, report the facts promptly and in detail on the van driver's copy (original) of the inventory sheet before you sign it. If you notice damage after unpacking, a claim must be filed within nine months after delivery. However, it is to your advantage to report damage as soon as possible. The mover must acknowledge receipt of your claim within 30 days and must deny or make an offer within 120 days of receipt of your claim.
When making a claim or considering a settlement offer, keep in mind the amount of liability that you declared on your shipment. For example, if the value declared on your shipment was $5,000, the mover’s maximum liability for loss or damage to the articles in your shipment is $5,000. Claims for more than this amount will be declined because they are in excess of the mover’s liability that you declared on your shipment.
MOVING INSURANCE
You may assume that your goods are automatically covered by your transportation provider, whether it’s a moving company, mobile storage company or a rental truck company. The basic coverage a moving company is responsible for is 30 or 60 cents per pound per item depending if your goods are shipped within the state or across state lines. In the case of a mobile storage or rental truck company, this liability is set as low as 10 cents per pound per item.
Here’s a summary of the types of insurance coverage provided by most moving companies. When interviewing potential moving companies, ask what coverage each provides.
Released Value is the basic insurance provided by most moving companies. The coverage of this insurance is 60 cents per pound for each one of your articles. If, for example, you have a table that weighs 100 pounds, the insurance will cover the table up to $60.
Declared Value is the coverage of the declared value insurance based on the total weight of your items times the amount paid per pound. Usually the coverage is $1.25 per pound. If the total weight of your items is 1,000 pounds, the insurance will cover you up to $1,250. In case of damage, the insurance will be based on the depreciated value of the damaged item up to the maximum value of all the items that you shipped.
Lump Sum Value insurance provides you the option to insure by the actual value of the items and not by the weight. You will need to declare a specific value for your items and write it down on the bill of lading.
Full Value Protection covers all damaged or lost articles by replacing, repairing or by sending you cash back for the value of the damaged or lost articles.
Beyond the general coverage noted above that moving companies provide, you may want to consider buying specific coverage from a company that specializes in moving insurance. An agent can review additional coverage options, including those noted below, to ensure your household goods are protected during a move.
— Full service – All risk (They load and drive)
This type of coverage applies to goods transported or stored by a full service moving company, and there are two options to consider.
Full Replacement Value - Valued Inventory
This is the most comprehensive insurance option available and provides the best coverage. This insurance is offered for interstate (moving from state to state), intrastate (moving within the same state) and international shipments. With this option, you must list and declare a replacement value on all of the items that you wish to insure. Items may be categorized as a group, such as “living room set, 7 pieces.”
Full Replacement Value - Lump Sum
This insurance is offered for interstate shipments only (moving from state to state) and for international shipments. The total coverage amount is determined when you, place a lump sum value on all of your goods to be insured considering the declared value of the shipment equals no less than $6 times the weight of the shipment. Any items individually valued at $500 or more need to be listed separately in order to be covered at their specific replacement value.
— Full service – Named Perils (They load and drive)
This type of coverage applies to goods transported or stored by a full service moving company.
Named Perils insurance covers only losses that result from causes explicitly listed in the Terms and Conditions. Coverage is available for both the transit period as well as the storage. Causes of loss for the transit and storage periods can be reviewed in the Terms and Conditions for this insurance type. There are two options within this choice to consider:
Named Perils - Selected Inventory
This provides coverage based on an itemized and selected inventory prepared by the insured prior to the shipment date. For your benefit and for proper coverage, you must list and declare a replacement value on all of the items that you wish to insure. This option is the most comprehensive and is the best coverage available, as it does not reduce the settlement amount for depreciation or a co-insurance penalty. This completed inventory could also act as a base for your homeowners or renters insurance policy at the new location.
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