Hi there! So, you're moving in Chicago and about to settle into a new house? Well… there's some stuff you should know-like moving valuation, which is probably the thing that comes to mind if your stuff ends up broken or missing while you move. Some people want to ignore it, but when you receive a dresser that used to be beautiful but now has a broken leg, you'll wish you'd paid attention!
Here's what you might be thinking.
How is moving valuation different from moving insurance?
read more usually provide several liability choices with different conditions, limits, and prices.
Be sure to review the valuation terms before signing your contract.
A very cheap estimate might seem like a good deal, but the protection it provides might be rather small.
- What Protection Does Moving Valuation Offer?
Moving valuation refers to the amount of liability your mover has for your goods. The protection varies according to the company and the level of service you select.
But some may only pay you a fraction of the worth of your stuff because it's defined by weight, not dollar value. That could be a problem! Imagine a light, expensive TV. If something happens to it, weight-based coverage isn't going to give you the payout you were expecting.
There could be extra protection plans that provide more comprehensive coverage, at an additional cost. Dig into the specifics rather than relying on the advertising.
- What Makes Chicago Moves Different
A typical Chicago move: Narrow stairways, old apartment buildings and elevators, short hallways, heavy traffic, and the occasional crosswalk stretch make for quite the adventure. You may have to swear your sofa through a few doorways.
Where valuation really starts to hit home.
Be sure to ask what is covered if something is damaged while being loaded, moved, or unloaded. Are there extra rules on things like antiques, expensive furniture, jewelry, art, or fragile items?
Don't just rely on verbal promises: document anything you agree on.
- Ways to Weigh Your Valuation Options
Let's begin by simply taking a starting inventory of things of value. There's no need for a complicated spreadsheet—your list is probably fine.
2. Write down each item, its cost, and its condition. It's a good idea to take a few shots of each item or at least the more expensive ones before the move. Clear photos can really come in handy when trying to settle a disagreement down the road.
Then, compare the valuation options your mover has available. Research into deductibles, exclusions, maximum limits, documentation requirements, and claims procedure.
A cheap option isn't always a poor one, and the most expensive isn't always required. It's all about what you've got and how much risk you're willing to take.
- Things to Ask Before Your Move
Ask your mover about the claim process. For instance, when and how to file a claim, what documentation you need to submit. And whether your damaged belongings can be repaired without the need to replace.
Most of all, if there is any explanation given, ask it in plain English. If it is anything that sounds like legal jargon, then put the phone down and ask them to clarify.
If you're planning to move in the Chicago area, be sure to learn about moving valuation in Chicago. You don't want to be caught off guard down the road! Your furniture has seen years of daily wear and tear—give it a safe journey to its new home! You'll get through it just fine!