|
 |
 |
FREQUENTLY ASKED QUESTIONS (FAQ) |
|
> General Advice for peolple Seeking house removal |
|
|
|
 |
|
 |
What is never insured
Don't risk it. There are things that are not insured, even if you pay for coverage! The most common example would be jewelry. Best to pack them up and take them yourself. Other items not normally insured are coins, stamps, documents, food. There is no insuring items of sentimental value. A photograph will only be covered up to the cost of the film, for example. The same goes for software data. The loss of data is not covered, so back up your disks before moving!!
Generally, the interior workings of appliances, televisions, stereos, etc., are not covered by the mover unless the mover does some obvious physical damage to the piece. If the item was handled properly and something does not work after the move, it's your responsibility. If there is obvious damage to the item, there is a 99 percent chance the internal damage was a result of the rough handling and the movers will pay (up to your protection selection) for the repair.
Again, contents of boxes are not covered under cargo protection policies unless the mover (or an agent of the mover) has packed and unpacked the cartons. Usually, the mover will cover goods (up to the coverage you selected) for clear mishandling of the carton. If there is obvious damage to the exterior, generally the mover will compensate you.
Sets of furniture and appliances are not covered. That is, if you have a matching couch, love seat and chair, and the chair gets ripped, the mover is only liable to repair or replace (up to your coverage selection) the one piece and does not have to touch the matching pieces, even though they may not match after repair, recovering, or replacement of the one piece.
Extraordinary Value
You will have to declare items of extraordinary value. For example, if the movers are taking your car, they will need a value for the car. You may have a painting or a sculpture worth a fair amount. The idea is, that despite all the cargo coverage there will be a limit on the amount the insurance company will pay out on one given item. Ask your moving consultant what the limit is. If you have any item in your place that exceeds that value, then you must tell the mover. The item(s) of extraordinary value will be noted on the bill of lading and you will be covered.
Dangerous Goods
Do not pack an item classified as dangerous goods. If any damage resulted from a dangerous good, your insurance would be void. You wouldn't even get $0.60 per pound. Ask your moving consultant where your local disposal site is.
Generally speaking, each moving company will charge you a premium for cargo protection. When you move locally, the rates and methods of assessing rates will vary from company to company. Some may charge you a flat rate, some will charge based on how long the move takes (hourly), and some include it in their rates. No matter which way you get charged, you should be asking some important questions.
- What is the total coverage you get?
- What is the limit per individual item?
- What is the deductible?
- Is the coverage market value or replacement value?
- Ask who the company uses for furniture repairs. This will provide an idea of the quality of repair you can expect if you have damage on your move.
Storage Insurance
Generally, if your goods will be stored in a warehouse for an extended period of time, you will need separate insurance for this. This can be arranged through the storage facility, your mover or your own insurance company. Storage facilities generally charge between $1.00 and $2.50 per $1000 of declared value per month of storage. The rules about dangerous goods and items of extraordinary value apply here as well.
Six Weeks Before Move:
- Call for moving estimates (Call MoveSource).
-
- Call the Chamber Of Commerce and Visitors & Convention Bureau in your new town and get their new resident information packages.
-
- Inventory all household items to be moved, and start packing NOW!
-
- Remove all items from basement, storage sheds, attics, and plan a garage sale or charity donation for all items you don't want to move.
-
- Start using things up that you can't move, like cleaning supplies and frozen food.
-
- Discuss tax-related moving expenses, liabilities, and deductions with your tax advisor.
-
- Make a list of all people/organizations to contact about change of address.
-
- Complete U.S. Postal Service change of address forms and mail them to all applicable publications, stores and organizations.
-
- Get copies of (or arrange for transfer at both ends of move) all school, medical, dental, veterinary, legal, and accounting records.
-
- Contact insurance agents to transfer or cancel coverage.
-
- If it's a company move, check with your employer to find out what moving expenses they cover.
-
- Get a mail subscription for the local paper in your new location to familiarize yourself with the new community, its activities and issues.
-
- Locate and obtain all automobile licensing and registration information.
-
Four Weeks Before Move:
- Get an itemized list of all moving related costs and review with mover, including packing, loading, special charges, insurance, vehicles (if needed), etc.
- Contact all current and new location utility companies (gas, water, electric, cable TV, phone & trash collection) to set connect/disconnect dates. Remember to keep current utilities hooked up until move day.
- Make arrangements for relocation of pets and plants.
- Move valuables to safe deposit box to prevent loss during move.
- If you are packing yourself, acquire packing materials/boxes and pack items you won't need for the next month.
- If professional mover is packing your goods, schedule packing day(s) 1 or 2 days before move.
- Prepare any mowers, snow blowers, boats, snowmobiles (or other vehicles you won't be using before the move) for the move by servicing and draining gas and oil, to prevent a moving van fire.
- Repair, send out for re-upholstery, or clean furniture, drapes, carpeting as needed.
Three Weeks Before Move:
- Make travel arrangements for family for moving trip, allow for unexpected delays and cash needs that often occur in moves and house closings.
- Collect all important papers (insurance, will, deeds, stocks, etc.).
- Arrange to close all local bank accounts and open new ones in new location.
Two Weeks Before Move:
- Prepare auto(s) for trip to new home. Check tires and have vehicles serviced.
- Terminate newspaper and other delivery services at old address.
- Give away all plants you don't intend to move.
- If you're moving out of a building with elevators, arrange with management for use of elevators on move day.
- Schedule for appliance disconnects on moving day or the day before the move, if necessary.
- Contact your moving company counselor to review and confirm all arrangements for your move.
- Withdraw contents of any safe deposit boxes, return library books & rental video tapes, pick up any dry cleaning, etc.
- Prepare specific directions to your new home for your moving company, including your travel itinerary and emergency numbers.
One Week Before Move:
- Defrost refrigerator/freezer.
- Plan simple meals for moving day to avoid using appliances.
- Make plans for care of small children on moving day.
- Transfer or withdraw all funds from local banks.
- Separate cartons and luggage items you need for personal travel so they don't get packed on the truck.
- Pack a box of items you will need immediately upon arrival at your new home and have movers put this box on last (clearly mark box as PACK THIS LAST or UNPACK THIS FIRST) or take it with you.
- Have appliances disconnected and prepared for move.
- Set aside one room for packers and movers to work in freely.
- Arrange to have utilities turned on at new home.
- Notify friends and neighbours of new address and phone number (if available).
- Fill any necessary prescriptions, medications needed for the next two weeks.
- Set aside manuals and instructions for your current home for new owner.
- Do NOT disconnect your telephone until the day after loading.
Moving Day:
- Plan on spending entire day at house with movers. Don't leave until movers have gone.
- Record all utility meter readings (gas, electric, water).
- Stay with moving van driver to oversee inventory of goods.
- Give moving van driver directions to new home and numbers where you can be reached prior to delivery.
- Get routing information from moving van driver.
- Review carefully and sign bill of lading and inventory, and keep your copy in a safe place until all charges have been paid and all claims (if any) have been settled.
- Make final walk-through of house, including basement, attic and closets, to make sure it's empty.
- Lock all windows and doors, and drop off keys with Realtor, neighbor or new owner.
|
|
 |
|
|
|
|
|
|
|
|
|
|
|
|
 |
|
|
|
|
No Coverage
|
|
|
|
|
|
|
|
|
|