Because of the many precautions we take to safeguard household goods in our care, only a small number of our customers have a need to file a claim. We are nonetheless human and, upon occasion, mistakes do happen. We want to make sure you are fully protected during your move, so when moving with Highland, you can choose to purchase a valuation option of moving insurance that protects your shipment.
Tour your home prior to moving and calculate how much your household goods are worth. Then decide what coverage suits you best. You have two options of moving insurance:
Option #1: Released Liability
At no extra charge, moving companies provide basic compensation for damage and/or loss. With this option, the carrier’s maximum liability is $0.60 per pound per article when moving long distance and $0.30 per pound when moving locally.
If a chair with a replacement value of $350.00 and a weight of 20lbs. is damaged or lost, the maximum settlement will be: 20lbs. x $0.60 = $12.00 (long distance move) or 20lbs. x $0.30 = $6.00 (local move)
Option #2: Replacement Value Protection
For an extra charge, you can increase the coverage on your shipment and ensure protection to the replacement value of your possessions. With this option, the carrier’s maximum liability is the lump-sum value declared on your shipment. The declared value is calculated and priced on the greater of:
- the replacement cost of the shipment, or
- the minimum value of $10.00 per pound of the shipment.
If a chair with a replacement value of $350.00 is irreparably damaged or lost, you will be compensated at its replacement value of $350.00.
Items of Extraordinary Value:
This category refers to individual items with an individual replacement value (and matched sets with a combined value) in excess of $10,000.00.
Items must be listed on the Bill of Lading and the value confirmed by written appraisal. The appraisal must be presented to the carrier on or before the day of packing.
Additional valuation will have to be purchased beyond the minimum of $10.00 per pound.
Items such as documents, jewelry, specimens, stamp and coin collections are best taken with you or sent by a commercial courier to provide the security such items warrant, since the mover cannot assume liability for them.
Regardless of which option is selected, any and all claims must be filed in writing within 60 days of completing the move.
The following items are not covered for either option of Released Liability or Replacement Value Protection:
- Loss, damage or delay to any of the goods described in the Bill of Lading caused by an Act of God, the Queen’s or public enemies, riots, strikes, a defect or inherent vice in the goods, the act or default of the consignor, owner or consignee, authority of law or quarantine.
- Damage to any articles that are not packed and unpacked by the carrier.
- Mechanical condition of audio/visual or electronic equipment unless servicing and preparation was performed by the carrier.
- Items of extraordinary value unless disclosed on the face of the Bill of Lading and by special agreement to do so.
- If one item in a set is damaged. Only that one item is covered by the valuation, not the entire set.
- Plants (live, dried or artificial).
- Damage to the goods at place or places of pick-up at which the consignor or his agent is not in attendance.
- Damage to the goods at place or places of delivery at which the consignee or his agent is not in attendance and cannot give receipt for goods delivered.