I’m surprised that in this day and age, a lot of people still assume that hiring movers automatically means that the movers can be held liable for whatever items are damaged or lost. In fact most people who get their moves insured with us, something we call mover's valuation, are not really aware of the difference between true value and replacement value coverage. Moving can be and most often is, a logistically complicated process with thousands of variables and things that can go wrong. Certainly in cases where movers are hired, this is the case.
Professional movers are the right people for the job, and because moving is a business where customer satisfaction is everything. For our part, we do the very best we can to see to it that nothing is lost or broken. Because of all the variables involved though, if you want your movers to be held responsible for your cargo, and in particular your more expensive items, it does cost extra.
When you get mover’s valuation, you should always insist on replacement value coverage, especially for expensive items; the alternative “declared value” coverage just doesn’t cut it for things like LCD TVs, Blu-Ray players or high end sound systems. Under declared value coverage, you “declare” the value of your expensive items, the catch is that your movers need to agree on the value you declare, otherwise there is no deal. Under replacement value, your movers will compensate you, not based on the depreciated value of whatever it is you lose, but on the full cost of replacing it with an identical item or something similar. It’s never fun losing good stuff during a move, but you can save yourself a lot of grief with the right coverage.
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