Prevent Having to File Moving Insurance Claims

8 Tips to Prevent Having to File Moving Insurance Claims

No one on the planet enjoys dealing with moving insurance claims. When it comes to claims, your best offense is your defense. This means your key strategy should be to prevent items from getting damaged. First thing to look for on your contracts is was the contract agreed with a 60 cents per pound insurance? Also was a “Revised Estimate” issued and was the same insurance applied?

Here are two common scenarios when it comes to moving insurance claims:

Scenario One:

Your moving insurance policy has specific guidelines involving mattresses. It states that your mattresses must get packed into a carton or 4 mil plastic. You are aware of this guideline.

You tell your moving team in advance of the moving date to bring a carton. What happens? The moving team fails to bring a carton. They say, “Don’t worry. We’ll do a great job. Your mattresses are in safe hands.” What happens as a result? The mattresses get damaged during the move. You’re then stuck filing a moving claim.

Scenario Two:

Your moving insurance policy has specific guidelines. It states what to do with large office equipment. It also says the equipment must get unassembled. But that is not all. It also states that the equipment must get moved based on the manufacturer’s guidelines. You email these guidelines to your moving team in advance of the move. But guess what happens on move-in day? The moving team ignores the guidelines. Instead, they move the office equipment based on their own terms. Some of your items get damaged. Next, you have no choice but to file a claim.

What happened in each scenario? You got put in a bad position despite doing what you needed to do. It is not unreasonable to expect your moving team to do what they need to do. But workers can get lazy or ignore their superiors. Here are eight tips to prevent moving tariff problem scenarios like these from occurring. Make sure that your workers follow these instructions on a regular basis.

1) Provide your workers with a manual.

The manual should be easy-to-read and understand. Otherwise, the workers will ignore it. The manual should have a section about quality control. The team should get trained based on the quality control guidelines.

2) Train your workers on how to handle the two most important items.

What are they? Electronics and mattresses. Why are these the most important items? Because they are, most often, the two items that workers damage the most.
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3) Understand the items you need to maintain coverage on your published Tariff.

There are two items that are often excused from coverage. What are they? Box springs and mattresses. But there is a ways to get them included in coverage. All you must do is pack them in moving cartons that have mattress cardboard. Never assume covers, mattress bags, and shrink-wrap are good enough. None of them offer enough protection.

4) Pack all televisions in a flatscreen TV carton.

Use a wooden crate or styrofoam. Your company will get rejected if you use moving blankets or cardboard.

5) Create an official packing policy that will prevent issues from occurring.

For example, ensure that all the trucks get packed with needed supplies in advance of moves. For example, each truck should have mattress cartons ready-to-go.

6) Create an official quality control document.

The document is there to prevent your workers from taking reckless actions.

7) Conduct regular training for existing employees.

Make sure your workers have empathy for their customers. This means asking them how they would feel if X occurred.

8) Remind your team that bad reviews will kill the business.

If the company gets enough bad reviews, the entire workforce will not have jobs any longer. Protect you moves with correct moving paperwork and published tariff from us.