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Ask Allied: Under What Circumstances Can a Claim be Denied?

by Jackie Heath on Aug 7, 2015
Under What Circumstances Can a Claim be Denied? Few things are worse than trusting your belongings to a moving company only to have them returned to you in scratched or damaged condition—or, in some rare cases, not returned at all. After all, that’s why you chose a reputable moving company and took out the extra insurance protection, right?

AskAllied-Claim-DeniedFew things are worse than trusting your belongings to a moving company only to have them returned to you in scratched or damaged condition—or, in some rare cases, not returned at all. After all, that’s why you chose a reputable moving company and took out the extra insurance protection, right?

While we work hard to make the claims process quick and easy when these sorts of unfortunate events occur, there are situations in which your claim may be denied.

> Your Coverage is Minimal: Every family that moves with us gets a basic coverage package known as Released Value. Because it is included with every move (and doesn’t cost you any money), it provides only a very basic level of protection, and isn’t recommended to be your only coverage. If an item gets damaged, you’ll only get $.60/lb per article, regardless of the actual value of the item.

> You Signed Off on the Inventory: When the movers pack the truck, they’ll fill out a checklist of all the furniture items and boxes, which you sign in agreement. When they unpack the truck, this same process occurs. If you sign the inventory sheet, the move is considered final and you can’t make any further loss claims, so be sure you double check very carefully to make sure everything has arrived safely.

> The Item was Already Damaged: As homeowners, we don’t often notice the wear and tear on our belongings when they’re inside a house. It’s only after they change position or venture into the sunlight that scratches and dents may appear. Always examine your valuable items carefully and make sure the movers note their condition (you can even take pictures, if you want to be thorough). Unless you can prove a scratch wasn’t already there to begin with, it can be difficult to get a claim through.

> Too Much Time Has Passed: There is a statute of limitations on many types of moving claims, so always act early if you notice something is missing. If you wait too long, your loss or damage may no longer fall under our claims responsibility.

> The Item Can be Repaired: When it is at all possible to repair an item, we are happy to do so. It saves everyone time and money to fix a damaged item rather than replace it, especially since many belongings carry personal value. If an item can be repaired, we are most likely to make that attempt first, rather than simply pay out a lump sum.

Above all, remember that your movers and claims adjustors are people just like you. Mistakes can and do happen, and everyone is sorry when something goes missing or is damaged. Be patient, take care over your inventory, and always act swiftly when you want to put a claim through, and we’re all much more likely to achieve a positive outcome.
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