The valuation of possessions being shipped in any relocation of a person, family, or business from El Paso to some other location – or from anywhere to anywhere – is strongly regulated by the federal government.
Yes, generally speaking, your moving company is legally liable for any loss of or harm
to your household goods at any time
during the haul. It’s also liable for loss and damage while its crews are caring for your household
goods in fulfillment of any other El Paso
moving services you selected. Such services should be listed on the bill of lading: packing, unpacking,
disassembly and reassembly, for example.
There are, however, limits to your moving company’s liability. Those limits are set by the federal Surface Transportation Board’s Released Rates Order. You can obtain a current copy of it here.
The crucial thing is, know what options you have available to you for the safeguarding of your household goods. And know your El Paso moving company. Just because a mover makes it known his firm is “fully insured and bonded” is no insurance that your possessions themselves are automatically covered. In the same vein, your local mover being affiliated with a leading national van line is no guarantee that you’re protected either. In both cases, you might be required to get get hold of extra third-party liability insurance. Your mover could offer to sell it to you, but he has no legal obligation to sell it to you. Ask questions when you first meet in order to learn specifically what your course of action should be.
Keep this in mind when you’re determining your options here in El Paso: Two different levels of moving-company liability pertain to interstate moves – Full Replacement-Value Protection and Waiver of Full Replacement-Value Protection, or Released Value.
If you go for a Waiver of Full Replacement-Value
Protection, or Released Value, you will, of course, receive
minimal liability protection. But you won’t pay anything for it. What
this degree of protection does is limit your mover’s
liability to no more than 60 cents per pound, per article. Certainly,
that won’t provide
you with enough of a reimbursement to replace any piece
valued above 60 cents per pound! Goods
like stereo equipment, gym equipment, computer hardware, and computer software
are therefore significantly more at risk.
That’s something to ponder before you [[commit in writing to|contract with]150
any mover!
You may, however, have one other option: your existing homeowner’s policy. Re-examine it and speak with your insurance agent to see if there’s anything in it about coverage of possessions during a relocation. If there is, you might find the minimum level of mover liability coverage – Released Value – appropriate enough.
Just make sure you understand what degree of protection your moving company is including in his quote: Full Protection or Released Value. That way, you should be fully prepared for just about anything your move throws at you!
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