How Claims Work if Items Are Damaged on a Long-Distance Move (Valuation Explained)

First: Movers Don’t Sell “Insurance”

This is an important distinction.

Federal law requires interstate movers to offer valuation coverage, not traditional insurance.

Valuation determines the mover’s liability if items are lost or damaged during your long-distance move.

The Two Main Types of Valuation Coverage

1. Released Value Protection (Basic Coverage)

• Included at no additional cost

• Covers items at $0.60 per pound per article

• Based on weight, not actual value

Example:
If a 20-pound TV is damaged:
20 lbs x $0.60 = $12 reimbursement

This option offers minimal protection.

2. Full Value Protection (FVP)

• Costs additional fee

• Covers items based on declared shipment value

• Requires the mover to repair, replace, or compensate

Under Full Value Protection, the mover must:

• Repair the item

• Replace with similar item

• Pay current market replacement value

This is the most recommended option for long-distance moves.

What Happens If Something Is Damaged?

Here’s the standard claims process:

Step 1: Inspect During Delivery

Review your inventory during unloading. Note visible damage immediately.

Step 2: Document Everything

Take photos of damaged items and packaging.

Step 3: File a Claim

Claims must typically be filed in writing within 9 months of delivery.

Step 4: Claim Review

The moving company investigates and responds.

Step 5: Resolution

Repair, replacement, or compensation is issued depending on valuation coverage selected.

Most claims are resolved within 30–120 days.

Important Claim Deadlines

Under federal regulations for interstate moves:

• 9 months to file a written claim

• 2 years to pursue legal action if necessary

Always review your Bill of Lading for specifics.

What Is Not Covered?

Valuation typically does not cover:

• Items packed by the customer (if improperly packed)

• Pre-existing damage

• Perishable items

• Hazardous materials

• Mechanical malfunctions unrelated to moving

Always disclose fragile or high-value items in advance.

High-Value Items (Over $100 Per Pound)

For valuable items like:

• Artwork

• Antiques

• Jewelry

• High-end electronics

You must declare them specifically on the inventory if worth more than $100 per pound.

Failure to declare may limit reimbursement.

How to Reduce Risk of Damage

While claims exist as protection, prevention is better.

• Use professional packing services

• Disassemble large furniture properly

• Protect floors and entryways

• Label fragile boxes clearly

• Choose experienced, licensed movers

Professional packing significantly reduces damage risk.

Why Valuation Clarity Builds Trust

Understanding valuation:

• Reduces hesitation

• Prevents misunderstandings

• Protects both customer and mover

• Creates transparency

Before signing your moving contract, always review:

• Valuation option selected

• Total declared shipment value

• Deductibles (if any)

• Claim procedures

Is Full Value Protection Worth It?

For most long-distance moves, yes.

Especially if:

• You own high-value furniture

• You’re relocating long distance (increased handling risk)

• You want peace of mind

• You’re moving a full household

It’s a small percentage of overall moving cost for major protection.

Conclusion

Damage during long-distance moves is uncommon but possible. Knowing how valuation coverage works ensures you’re prepared and protected.

Understanding the difference between basic coverage and Full Value Protection helps you make an informed decision before moving day.

If you’re planning a long-distance move from New Jersey and want clarity on valuation options, M&M Movers is ready to walk you through the details.

FAQs

Q: Is moving valuation the same as insurance?

A: No. Interstate movers provide valuation coverage, which determines liability limits.

Q: How much does Full Value Protection cost?

A: It typically costs a small percentage of your declared shipment value.

Q: Can I purchase third-party moving insurance?

A: Yes, third-party insurance policies are available for additional protection.

Q: How long do I have to file a claim?

A: You generally have 9 months from delivery date.

Q: What if I packed my own boxes?

A: Damage to items packed by the customer may not be covered if improper packing is determined.