Valuation Coverage Options

Hammer’s Moving & Storage, Inc. is a professional moving company with experienced movers.  We seek to move your goods as safely as possible, and take the time to protect your furnishings and your home throughout the move.  We use moving blankets to wrap your furnishings, stairway banisters, etc.  We use carpet protectors to prevent dirt to light colored carpeting and put down floor coverings for hardwood and other fragile flooring.  Upholstered items are covered in shrink-wrap when coming into storage.  These are standard procedures for us, because this basic level of service promotes a damage-free move.  Unfortunately, there is a risk for damage every time an item is moved.  Therefore, we offer the Standard Valuation and Valuation Coverage options.

Standard valuation is the base level of motor carrier liability.  This means that as a licensed mover, Hammer’s is required to provide you with a coverage of $0.60 per pound per article.  This type of valuation is based solely on the weight of the piece, so if there were a scratch to a 100 lb. desk, the settlement would be $60.00 to be used towards its repair.  The actual value of the desk is not taken into consideration.  Therefore, we provide other options for increased valuation coverage.

Valuation Coverage is the type of coverage where you designate the value of your goods, and if there is some type of damage during the move, Hammer’s seeks to repair or replace, as is most appropriate, after the deductible has been met.  The charge for this additional coverage is as follows:

For additional coverage with $250.00 deductible

  • $10.00 per $1000.00 of valuation for local moving

  • $12.00 per $1000.00 of valuation for long distance moving

  • $8.00 per $1000.00 of valuation monthly while in storage

For additional coverage with $500.00 deductible

  • $8.00 per $1000.00 of valuation for local moving

  • $10.00 per $1000.00 of valuation for long distance moving

  • $6.00 per $1000.00 of valuation monthly while in storage

Valuation is a tariff-based level of motor carrier liability.  It is not insurance coverage, and if you desire the coverage provided by insurance policies, you should contact your insurance company.  Often your homeowner’s policy will have some type of coverage while in transit or in storage, but the details of the coverage vary policy to policy.  You can purchase your own insurance policy through www.MovingInsurance.com or Baker International at 800-356-0093.



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