At Done Right Moving, we recognize that your belongings hold not only material but also emotional value. For this reason, we offer various levels of protection in compliance with federal regulations, allowing you to select the option that best fits your peace of mind and protection needs.
What is Valuation Coverage?
Valuation coverage is a system that defines the moving company’s liability for loss or damage to your property during the move. It is important to understand that this is not full insurance but a regulatory standard that offers a baseline level of financial responsibility. When planning your move, we conduct a thorough inventory and valuation of your items to determine the potential compensation amount in case of loss or damage.
Types of Coverage
- Basic Protection (Released Value)
Included automatically in your move, this coverage limits liability based on the weight of damaged items, providing minimal compensation. It is best suited for moves involving property of lower value. - Full Value Protection
An optional higher level of protection where compensation may cover repair, replacement, or the full value of damaged or lost items. This option is ideal when moving valuable possessions such as antiques, electronics, or artwork. - Third-Party Insurance
For additional peace of mind, you may purchase supplementary insurance from external providers. This option offers extended protection tailored to unique or high-value items beyond standard coverage.
How Valuation is Determined
- Client Self-Assessment: Based on receipts, appraisals, or personal estimation.
- Professional Appraisal: For antiques, artworks, or highly valuable items through independent experts.
- Inventory Assessment: Our specialists evaluate and record the condition and estimated value during the property inspection.
Items Typically Not Covered
- Flammable or hazardous materials
- Cash, securities, and essential documents
- Jewelry without specific declaration
- Perishable goods
- Self-packed items or improperly packed belongings
- Living plants and animals without prior notice
- Electronics without original packaging or proper protection
- Items with existing damage or hidden defects
Common Exclusions from Liability
- Natural wear and tear
- Damage caused by insects or rodents
- Climate-related deterioration (mold, rust)
- Force majeure events such as natural disasters or accidents outside the mover’s control
Claims Process and Guidelines
- Notify of any damages within a specified timeframe (typically within nine months).
- Submit a written claim supported by documentation and photographic evidence.
- Claims are reviewed promptly with assessments based on replacement value, actual cash value, or repair cost.
Additional Protection Measures
- Professional packing using certified materials and techniques
- Special handling and clear marking for fragile items
- Climate-controlled transport and storage for temperature-sensitive goods
At Done Right Moving, insurance is not a mere formality but a commitment to protecting your belongings and your peace of mind. We strive to prevent damage through careful handling, provide clear and fair review processes for claims, and ensure equitable outcomes even in complex cases.
Selecting appropriate insurance coverage is a valuable investment in confidence, offering comfort and security throughout your move.
