At Independence Moving, we understand that client property has not only material but also emotional value. Therefore, we offer different levels of protection, regulated by federal legislation, so you can choose the appropriate option for your peace of mind.

What is Valuation Coverage?

Valuation coverage is not a comprehensive insurance service, but a damage compensation system that determines the carrier’s level of responsibility for client property. When arranging your move, we conduct an inventory and record the value of items, which becomes the basis for calculating potential compensation.

Insurance and Liability Protection for Your Move

Types of Coverage

1. Basic Protection (Released Value Protection)

Coverage: $0.60 per pound of damaged item
Cost: included in moving cost
Suitable for: moves with lower-value property

2. Full Value Protection

Coverage: repair, replacement, or full value compensation
Cost: additional premium (typically 1-2% of declared value)
Suitable for: valuable items, antiques, electronics

3. Additional Insurance through Third-Party Companies

Coverage: extended terms depending on policy
Suitable for: unique and particularly valuable items

Valuation Alternatives

Client self-assessment (based on receipts or personal opinion)
Professional appraisal (by independent expert for antiques, art)
Inventory assessment (by our specialist during property inspection)

Items Not Covered by Insurance

Completely Excluded:

Flammable and hazardous substances
Cash, securities, documents
Jewelry without separate declaration
Perishable products

With Limited Liability:

Self-packed items
Plants and living organisms
Electronics without original packaging
Items with hidden defects

Damage Cause Exclusions

Natural wear and tear
Damage from insects or rodents
Climate damage (mold, rust)
Force majeure circumstances

Guidelines and Settlement Procedures

Damage notification within 9 months
Written claim with documentation and photo evidence
Claim review within 30 days
Damage assessment: replacement cost, actual cash value, or repair cost

Additional Protection Measures

Professional packing using certified materials
Special handling and marking of fragile items
Climate control for temperature and humidity-sensitive items

At Independence Moving, insurance is not a formality, but real protection for your peace of mind. We do everything possible to prevent damage, ensure a transparent claims review process, and offer fair solutions even in disputed cases.

Properly chosen insurance coverage is an investment in confidence and comfort during your move.