There are two types of liability coverage under Federal Law:
- Full Value Protection which covers the full replacement value per item of your shipment and is often obtained from your mover for a fee; and
- Waiver of Full Value Protection which is offered by the mover at no cost to you. This level of protection only covers your shipment at $0.60 a pound per item, and you have to agree to this coverage from the mover in writing. For example: If you have a 42” flat screen TV that weighs 50 pounds, the mover is only obligated to offer you $30 as a settlement. (Calculation: 50 x $0.60 = $30)
The type of liability you signed for at the pickup determines how your claim for loss and/or damage will be handled. If you signed and paid the fee for Full Value Protection, the loss and/or damage to your shipment will be processed based on the replacement value of the damaged or lost item. However, if you signed for Limited Value Protection, your loss and/or damaged goods will be based on $0.60 per pound per item, regardless of the value of the item.
If you are not satisfied with the outcome of your claim filed with the m over, you should first attempt to work out an agreement with your mover to resolve the dispute. However, if both you and the mover are not able to agree, you have two options:
- Seek an arbitration hearing; or
- Initiate legal action against your mover.
The Law Office of David Piotrowski has been publishing interstate household goods tariffs for years and can publish your tariff and customize it to fit your needs.
For help in publishing a household goods tariff, visit the tariff publishing page.
For more blog entries on household goods transportation issues, click this link: https://www.attorneydavid.com/blog/category/hhg/