FAQs – Furniture Removals Insurance

Here are the answers to some of the more frequently asked questions on furniture removals insurance.

Is insurance automatically included in my removals quotation?

Yes – and no!

To explain; your initial quotation may include what’s called third party or professional liability cover designed to protect your removals company in the event you claim compensation from them for damage.

This means that, typically, if one of the removals team dropped one of your boxes while loading it then you’d be able to ask them to deal with the costs of any damage incurred.

However, there is a whole group of related insurance risks that might not come under this category. To take another illustration, let’s say that when unpacking you found that a valuable antique had been broken in transit. You might struggle to prove that actually happened during the removal and even if it did, that it was directly attributable to your removers.

In that type of scenario, their insurance might not cover you and that’s why it’s advisable to have your own furniture removals insurance cover.

If I take out insurance, will it cover all of my items in transit?

To be sure what was included or not in your cover, you’d need to read the policy.

It might be rare bordering unheard-of for an insurance policy to guarantee to cover every conceivable item you might have included in a home removal. For example, almost all will exclude cover for any cash, financial instruments (e.g. saleable bonds) or jewellery in transit.

Some might exclude antiques or individual items above a certain value. Check with your insurance provider to be sure.

How can I keep the cost of my furniture removals insurance down?

You can try:

  • accepting market valuation replacements not asking for new-for-old cover (not all insurers will offer new-for-old cover though);

  • agreeing to meet a higher proportion of any subsequent claim from your own pocket. This is called ‘the excess’ (‘deductible’ in US English). Once again though, not all insurers offer lower premiums in return for you taking a higher excess on the policy;

  • reducing the total amount of cover you require – but don’t hopelessly undervalue your cover or it becomes pointless;

  • shop around;

  • move expensive items requiring special insurance cover yourself. That might include expensive antiques or very fragile high replacement cost items such as art glass.

How easy is it to claim?

This is always a controversial area.

Street-wise wisdom accuses insurance companies of doing anything they can to avoid paying out on claims but typically that isn’t correct. They ARE under a duty of care to make sure that claims they receive aren’t fraudulent and that they’re in compliance with the terms of the policy. This role is often badly misconstrued as obstruction.

Remember, there are lots of crooks out there who really do try to defraud insurers and the insurance companies need to be awake to those possibilities because it’s in the interests of all honest policyholders for them to stop this crookery.

However, it IS true that some insurers have a better reputation than others when it comes to efficiency and even interest in processing claims.

The only way you can check this is to research your insurer online through review sites and other sources to see what their past policyholders have to say about them. If you see long lists of complaints then you might wish to look elsewhere.

The Right Way of Furniture Removals

This article is designed for anyone who is moving after many years of living in the same place. These tips will help even the most seasoned of movers that have moved three or more times in their life or ones that are experiencing their first. Home relocation specialists are designed to help you throughout the moving process.

To avoid hassles and issues with former or future neighbors on moving, some preparations may be needed. Check out the following tips:

1. Find the best day and best time for the loading and unloading of your items. This is especially important if you are doing the move alone, however if you have hired a relocation company, they will help you along the way.

2. Check on the destination address, which is usually a place you don’t know well just yet. If there are restrictions on moving and/or shipping, such as fees, recreational areas, fixed times for loading and unloading-make sure you are aware of them before you move.

3. In the case of condominiums, check both the source and destination on the days and times allowed for the execution of the service. Communicate, in writing, to your new home one the day of the move, and ask the concierge to book a place at the door of the building, as well as a place to park the truck, along with protection on the walls of the elevator service. Of course this will not be needed if you are moving to a home or apartment.

Other important precautions:

1. Assign specific values to your goods, whether they are transported or stored, in order to guarantee compensation in accordance with the general rules of different removals business.

2. In cases of storing your furniture, visit your international relocation specialists and see if they provide all the services verify the location, the form of storage and security of the same.

3. Any communication between the parties (customer/furniture removals company) should always be in writing. Do not accept verbal communication. This is not smart especially if there is a problem in the midst of a move.

Summary:

• Select what you want to stay, give away, sell or throw during the move. This allows the household removals process to go more smoothly.

• When choosing a furniture removals company, make sure you perform all the necessary details to ensure you pick the right one.
• Always carry personal effects (like jewelry, checkbook etc.) with you personally.
• Check the conditions of the old house and the new one while both are empty. This is extremely important when you are performing an international relocation. For example, check the new house before you start moving your belongings in and check your old house to ensure things are straightened out before turning in keys, etc. once you have moved everything out.

Furniture Removal – Ways to Deal With Large Trash

Whether you are moving, downsizing or remodeling, these large projects can leave you sorting through a lot of extra stuff. While the smaller clutter can take the most time to sort through, it’s the larger items that can cause the most headaches. Appliances, furniture, construction material – items that can’t easily be lifted – can be difficult to deal with.

There are several options for dealing with unwanted junk. Of course you can take them to the landfill yourself, if you are able lift heavy objects and have a large truck. Another option is the scheduled bulk pickup day offered by many waste management companies. Contact them for a meeting.

If the volume of trash is too large to be left on the curb, or your provider does not offer this service, check your local business directory for dumpster rental companies. These services will schedule the delivery and pickup; all you have to do is fill them up within the scheduled time. If you do not have the time or ability to fill your own dumpster there are also services available that will remove large loads of it for you.

Junk haulers, as they are often called, will provide all the supplies, labor and cleanup of most nonhazardous trash items, even performing appliance and furniture removal. These services will provide the timely disposal of trash, eliminating the chance of it remaining piled up around the house until alternate arrangements can be made.

When it comes to furniture removal, one thing that needs to be kept in mind is that most companies will not deal with mattresses or other items in which bedbugs have been found in. Even if chemicals have been used to kill them, this type of item will require special disposal.

When looking for a trash and furniture removal service, consider a few things. First, consider a service that is committed to salvage. Some of these companies actually work to prevent about sixty percent of items from ending up in landfills through recycling and donation. Others do not, so this is the information you have to ask for or find on the website.

Also, by hiring professionals, you’ll make sure coolants from appliances are properly disposed of. Keep in mind that once hired, a professional service assumes ownership and liability for your used items. Trash, appliances and furniture removal services can help make stressful times less so by doing the physical work for you.