Moving Insurance V/s Property Valuation
Moving insurance is one of the most important factor that you should consider seriously while planning your move
. Why? Because there is always the possibility of your goods getting lost, damaged, or stolen. If you think that your mover will provide you with the moving insurance and it is the moving company that is liable for all damage to your goods being transported by it then perhaps you have not properly researched about the topic. Just for your help, these are the moving insurance basics that will really make you think seriously about it.Do Moving Companies Really Provide Insurance?
No, moving companies do not provide any kind of moving insurance. What they do is property valuation which is misunderstood as moving insurance. This property valuation determines the extent of the moving company's liability coverage. Its upon you- the client- who selects one from the three types of valuation. However, both (you and the mover) must agree upon your selected valuation method before the moving process starts.
What are the Three Types of Property Valuation by Movers?
They are as given below:
Declared Value: This type of property valuation is done on the basis of the total weight of the items to be transported during the moving process. Reimbursement for this valuation depends on the extent of depreciation of your property.
Lump Sum Value or Assessed Value: This type of property valuation takes into consideration the value of your goods into account. You can consider this valuation for moves where priceless and expensive items are to be transported.
Full Value Protection: This type of property valuation will provide reimbursement for any lost or damaged items during move.
For detailed information about all these types of property valuation, often called insurance, read Moving Insurance. Whenever you have to select a valuation type, calculate the total weight and value of your shipment, compare and analyze them to determine which valuation method would benefit you the most. Always remember to check whether your selected valuation type has been included in the Bill of Lading or not. And be clear that this valuation is NOT moving insurance. Purchase a moving insurance that is an essential precaution against any damage to your moving goods.
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