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What happens if movers damage my belongings?

Quick Answer

File a written claim with the moving company within 9 months of delivery for interstate moves. The mover has 30 days to acknowledge and 120 days to resolve the claim. Your payout depends on whether you chose released value or full value protection.

If movers damage your belongings, you have legal recourse, but the process and payout depend on the type of valuation coverage you selected.

With released value protection (the free default): the mover is liable for only $0.60 per pound per damaged item. A 50-pound TV worth $1,000 would pay out just $30. This is why understanding valuation before the move is critical.

With full value protection (the paid option): the mover must repair, replace, or provide a cash settlement for the current replacement value of damaged items. There may be a deductible ($250-$500 is common).

How to file a claim: document the damage immediately at delivery by noting it on the Bill of Lading and taking photos. File a written claim with the moving company within 9 months of delivery (this is the federal deadline for interstate moves). Include photos, a description of damage, the item's value, and any repair estimates.

The mover must acknowledge your claim within 30 days and offer a resolution within 120 days. If you disagree with the settlement, you can file a complaint with the FMCSA, pursue arbitration (interstate movers are required to offer it), or take the matter to small claims court.

Prevention tips: take photos of valuable items before loading, note any pre-existing damage on the inventory sheet, and consider third-party moving insurance for high-value moves.

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Related Questions

How far in advance should I book movers?

Book 4 to 8 weeks ahead for moves between September and May. For summer moves (June through August), book 8 to 12 weeks ahead. Last-minute bookings within 2 weeks often cost 20-30% more and have limited crew availability.

How do I verify a moving company is licensed?

For interstate moves, search the FMCSA database at protectyourmove.gov using the company name or USDOT number. Every legitimate interstate mover must have an active USDOT number and MC (Motor Carrier) number. For local moves, check your state's licensing board.

What is a moving broker vs a moving carrier?

A carrier owns trucks and employs the crew that moves your belongings. A broker does not own trucks - they sell moves and assign them to carriers. Brokers are not inherently bad, but you have less control over which crew shows up and disputes can be harder to resolve.

What should I look for in a moving contract?

Check the estimate type (binding vs non-binding), valuation coverage, pickup and delivery dates, cancellation policy, and a detailed inventory list. Never sign a blank or incomplete contract, and never pay more than 25% as a deposit.