You are preparing for a move into your new home and it is an exciting time to be in. The first and foremost thing to be decided is if you will be hiring a packers and movers team. After weighing all your conveniences and the date for moving, you book the team. The next step to be done is insuring your move.
If you don’t know much about it, worry not. Most of the companies offer an inclusive insurance along with the move as it is their way of assuring a safe move.
This should include any damage while packing, loading the items, transit, and unpacking. We will break down the scenario if the company doesn’t offer you an inclusive insurance and you have decided to avail one by yourself.
We will help you understand the need for it and some factors regarding it.
1. Make a list of the items that need insurance
Spend some time on making an estimate of all the items that you think needs to be insured. Most of the companies expect coverage of all the items you move and insurers calculate the risks and premiums as per the entire list of items provided. It could change from person to person and trying to compare with your friend or neighbor’s insurance plan may not help you much.
2. Check with your homeowner if moving is covered for insurance
A lot of property owners cover the property while you move. This is to avoid damages that may happen while you move out. Check with your owner or agent involved with the property and see if the house is already insured.
3. Furnish as many details as possible to the insurance company
It is always advisable to fully disclose about the items that are going to be moved from the old house to your new one. The price and the quantity will have to be listed out and try to stick to the accuracy as much as possible. If a business/company is being moved to a new location, having an inventory is a must. One of the pioneers in the industry of packing and moving, www.hudsonmovers.com says that an inventory would mostly be used by the company that will be packed and moved.
4. The insurance possibility if you are doing the move yourself
If you have decided to not hire packers and movers, you are sure to be hiring a truck for the move. The truck rental companies offer insurances that include the protection of the driver, passengers, and the cargo, as well
5. Make sure to include the value of expensive items
This is an important step if you have decided to go for insurance. You will have to provide the estimate of all your items and this includes the valuables as well. The companies could ask you to prove the ownership of valuables too.
Take photographs of these items, print them out and add to the inventory list which will be given to the insurance company. No precaution will be deemed unnecessary when it comes to expensive or valuable items.
6. How do you file the claim if something is damaged?
This is the last of the steps and the most important of them all. You will have to prove that an item was damaged while moving and not before that. Having a well-documented inventory is the key to make your claims easier. This includes having before and after pictures of items like electronic appliances, jewelry, documents and so on.