Moving Insurance LLC

The insured purchased an insurance policy on our website after completing an online applicationIn so doing, she verified that she read all provisions of the insuring contractIn fact, before affixing her electronic signature, she checked four separate boxes acknowledging her acceptance of the termsIn the terms and conditions (attached), it states, in bold black, the following exclusion “(b) Non-delivery of a shipping package if the delivery receipt shows that all packages were delivered to the final destination” and in bold black under Condition (ab) of the policy: “Loss or damage to any items will not be covered unless loss or damage is noted on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all parties”We also followed up with an email when the policy was purchased with Quick Tips (attached)In these it states “At the time of delivery, immediately document any damages using the checklist below: [redacted] Document all missing or damaged boxes on the moving company’s paperwork”When the claim was filed on 8/18/the nature of loss provided was as follows: “Thus far we have broken Waterford crystal glasses, a broken magnificent hand painted porcelain plate worth over $1,000, a magnificent huge Waterford crystal vase worth $And more and we have not opened all boxes yetSo far it looks like about $4,600.00, but we’ll see tomorrow”On 8/22/she reported a candelabra and silver tray missing and advised one box may be missingLater that day she advised a box of silver was missingOn 9/7/we received their claim for $22, After the adjuster reviewed the claim, it was found no exceptions were made for any missing items In addition to this policy requirement, American Home Movers Bill of Lading has a delivery acknowledgement which was signed and states “the shipment was received in apparent good condition except as noted on the inventory list”The Descriptive Inventory also has a WARNING just above the signature, which states: “before signing check shipment, count items and describe loss or damage in space on the right above” As no loss was documented, on the shipping documents, for any of the items/cartons shipped, the items reported missing are not covered under the policyThe boxes she claims were not checked off by the driver, when he left the warehouse, are actually boxes and a chairOf of these items, a chair was not claimed missing and the picture box would not have contained the items claimed missingThis leaves boxes that he did not check off and all of these are packed by owner boxes, not items the mover packed, which is what is being claimed missingOwner packed boxes are covered for $each up to $2,totalThis is outlined in the terms and conditions as well as the Quick Tips sent by our customer serviceAdditionally, at the top of the inventory it is noted items did not have numbersThis accounts for the items that did not check offFurther, the policy purchased was for $25,$24,of this was dedicated to Valued Inventory items(attached)This would leave $to cover the items not listed on the Valued InventoryA minimum of $3,was needed based on lbsinsured at $per lbTherefore, she was only insured for 4% of what was neededAs such, co-insurance is applied to items that were not listed on the Valued InventoryThis is outlined in both the terms and conditions and the Quick TipsOn the claim form she has listed $7,for items that are not on the Valued InventoryThis does not account for items that were not on the Valued Inventory and not claimedThis shows the shipment was under insuredOne of these items is a mirror that she has claimed $4,This was not packed as required and due to it being over $1,it is required to be listed on her Valued Inventory Both of these requirements are in the terms and conditions and the Quick TipsShe took pictures of the movers packing an lbshipment, but claims she was not aware a $4,mirror was not packedWe also want to point out that the porcelain plates claimed for $each were reimbursed at $each based on a comparable itemIn further research we found the same plate sold for $at: http:// [redacted] /271915227969?_trksid=p2047675.l2557&nma=true&si=uFmgfVZaIIebt1A7dyJluGqXaXI%253...⇄ Based on the above information we respectfully maintain our position

Mr [redacted] went to the Moving Insurance website and purchased the insurance himselfHe was asked to read all provisions of the insuring contract, and had to check off in four separate places, before signing electronically, that he read and agreed to these termsAll information relevant to his claim was disclosed in the contract he signed prior to purchasing the coverageMr [redacted] insured a Bed set which included a mattress, box spring, and metal frame for $The policy states “The Insurance Carrier reserves the right to replace the damaged or missing items with items of like kind and qualityIf any item of a "set" is lost or damaged, payment is only made for proportionate value of the item damaged, not the entire setItems grouped together will be considered of equal value”The policy additionally states “Unless specifically listed, all items of a pair/set will be considered of equal value”Therefore, the adjuster divided the three items from the bed set by $and allowed $for the mattressI have attached the insurance certificate containing the above referenced informationI hope this will allow the Revdex.com to conclude the handling of this fileIf I can be of any further assistance, please let me know

The check was mailed on 3/24/We apologize for the inconvenience

To whom it may concern, Mr [redacted] purchased a Valued Inventory insurance policy on our website after completing an online applicationIn so doing, he verified that he read all provisions of the insuring contractBefore affixing his electronic signature, Mr [redacted] checked four separate boxes acknowledging his acceptance of the termsPer exclusion (j) [redacted] of the policy items not shipped are not insuredAs such the bed that was not transported by the mover is not a covered lossMr [redacted] was aware the bed wasn’t being shipped as it was crossed off his inventory (attached page of inventory) and per his email (attached) he had it hauled away and disposed of*Exclusion (j) Items not listed on the movers' inventory prepared at originItems not shipped are not insured The damage to the office chair and brass bed were not noted damaged at delivery, nor was this damage reported within hours of delivery as required per condition (ab)*We understand that Mr [redacted] would not know the extent of the damage until the second part of his shipment deliveredHowever, this does not prevent him from noting damages at the time of both deliveriesNor does it prevent him from reporting damage within hours of those deliveriesThe first delivery occurred on 8/31/and the second was on 9/9/and his claim was not filed until 10/1/Therefore, the items claimed damaged were respectfully denied per condition (ab)*Condition (ab) The inventory as prepared by the Assured and/or the moving company must be noted and signed by all parties at loading and unloading for current conditions of the insured itemsRefusal to sign the mover’s documents forfeits your right to file a claim for loss or damageLoss or damage to any items [redacted] not be covered unless loss or damage is noted on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all partiesThis condition does not apply to: Concealed damage to items packed into boxes, cartons, or containers by the movers; Damage to furniture items that is discovered after the bill of lading, inventory or delivery receipt has been signed as long as such damage is reported in writing to Moving Insurance, LLC via email or fax within hours of delivery I hope this [redacted] allow the Department to conclude the handling of this fileIf I can be of any further assistance, please let me know Thank you, [redacted] Claims Manager

Initial Business Response /* (1000, 5, 2015/08/26) */
This customer came to our website, completed an online application, and then had to go through the terms and conditions of the policyAll information was disclosedShe actually had to check off in four separate places, before signing
electronically, that she read and agreed to these terms
She purchased insurance for a total of $25,She listed five individual items that she identified as high value, and their cumulative value totaled $19,This left a total amount of coverage for everything else she owned at $6,
Almost the entire first page of the terms and conditions was a description of the coverage requirements, and exactly how co-insurance is applied in the event of a claim, including examplesThis customer underinsured her shipment by over 75%
The claim was adjusted per the terms and conditions of the contractShe states that our system was down, however, we have confirmed with the management that carries our servers that there was never any time the system was downWe assume this person simply forgot to click "Submit"
At this point I note that when the customer submitted her initial claim online, she was sent a claim packet with full instructionsShe was instructed to complete the claim forms fully, and submit these, along with photographs of the damaged items and a professional estimate to repair the damages for any items claimed damagedShe was given days to submit all information requested, as was specified in the contract and accepted by her prior to purchasing the coverageWe received claim forms that did not have all fields completed, and photographsShe did not submit the required repair estimates
From the insuring contract, Examination Under Oath below, and specifically relevant to this claim (b), (e), (f):
EXAMINATION UNDER OATH: Before recovering for any loss you will, if requested: (a) permit us to inspect the damaged property before it is disposed of or repaired; (b) send us a completed claim packet containing the information we request to settle your claimYou must do this within days of our request or your file will be closed; (c) agree to examinations under an oath at our request; (d) produce others for examination under an oath at our request; (e) provide us with all pertinent records and reports needed to prove the loss; (f) cooperate with us in the investigation or settlement of the loss
Initially we denied furniture items she claimed as she did not document the damage to these items as is required per the insuring contract, and also the legal manifest she signed with the moving company, which is the only way to determine if the damage occurred while the goods were in the possession of the moving companyShe did dispute this, but was unable to provide any documentation to support her position that she complied with the insuring contract
We offered arbitration to this customer, which she declined
We then offered her a good will settlement of the replacement value of all but items (which were two items she packed herself and specifically excluded from coverage), having applied the co-insurance, as she must bear her portion of the loss by underinsuring her items and not paying the full premiumShe also declined this
In fact she did state in writing after she declined this that she would be either throwing her items away or donating them to "a not for profit that provides fine art mentoring scholarships to homeless and high risk children."
Due to the nature of communication she has directed to our company, the matter has been referred to our attorney

Mr. [redacted] purchased an insurance policy on our website after completing an online application. In so doing, he verified that he read all provisions of the insuring contract. In fact, before affixing his electronic signature, Mr. [redacted] checked four separate boxes acknowledging his acceptance of...

the terms. After his move, Mr. [redacted] advised of his intent to submit a claim for damaged goods. Mr. [redacted] eventually documented some of the damages he now claims, MovingInsurance.com offered to pay an amount adjusted in accordance with the terms of the insurance contract, and Mr. [redacted] disagrees with that amount. In general, MovingInsurance.com agreed to reasonable documented replacement values and costs of repair, and MovingInsurance.com provided allowances for items presented with excessive and undocumented values. Coverage for several other items was denied because the alleged damages were raised well after the time permitted for the submission of claims. Other items were denied for the failure to provide required loss documentation and for falling within specific exclusions. For example, damages to owner packed items, laptops, and certain types of particle board/chipboard furniture are clearly excluded and were necessarily denied. Pursuant to the terms accepted by Mr. [redacted], claims must be filed within 45 days. With respect to the several items excluded for untimely presentment, Mr. [redacted]’s initial submission included the following statement: “Significant damage has occurred to items professionally packed/moved. The claim $ amount of $202,000 is a preliminary figure based on items reviewed thus far. Initial list of damaged items has been sent to Jane McCarthy as the online claim submission option only allows a limited number of characters.” Contrary to Mr. [redacted]’s representations, we did not require an online submission of all claims and accepted the paper submission which was received on 7/29/15. None of these items were denied for late submission. Mr. [redacted] sent us another list on 8/21/15, stating this was his “final list of damages.” None of these items were denied for late submission. On 9/20/15, Mr. [redacted] sent yet another list of new claimed losses. These late noticed losses were excluded from coverage as they were past the 45 day deadline, and Mr. [redacted] has no serious contention the claims were timely presented. The agreement does not just require that losses be claimed. It requires that the party seeking coverage cooperate with the investigation of the claim, and it requires that all damages be documented by the completion of claim packets containing the information requested by MovingInsurance.com. We sent a claim packet to Mr. [redacted] on 7/29/15, the day he filed his claim. This claim packet contained full instructions and specific forms that had to be completed along with information he was required to provide, including photographs of each item showing the claimed damage. Mr. [redacted] was instructed in the claim packet cover letter that the supporting documentation must be received no later than 9/28/15 consistent with the agreement’s 60 day deadline for the provision of supporting materials. On 8/31/15, I again notified Mr. [redacted] in writing that all information requested must be submitted no later than 9/28/15.  On 9/9/2015, I again sent written notification requesting photos and proof of value for the items being claimed. On 10/1/15, I again sent written notification via email regarding submission of the required photos from Mr. [redacted]. After six request, he replied “I was not aware you needed these.” On 10/2/15, I explained we need photos of all damaged items and that he needs to provide substantiation of value for the items he is claiming. On 10/12/15, Mr. [redacted] advised he would have pictures to me by 10/18/15. On 11/4/15, we advised Mr. [redacted] that the photos had still not been received and we would have to close the claim if not received by 11/5/15. We did receive photos for most items on 11/5/15. However, several items of claimed damage were never properly documented, and these claimed damages were excluded. With respect to the damages timely claimed and supported by documentation, we researched the item values and compared the claimed damages to the photos and repair estimates. I called the repair firms and spoke to them. In doing so I found the IT company used to inspect electronic items is a business associate of Mr. [redacted]’s and their website does not list any information that they are a repair firm. While we did point this out in our correspondence, we did not deny any items for this reason.  I discovered that an aquarium company had never viewed claimed damage to an aquarium, and no photos were provided of this item. Additionally, due to the value and fragile nature of this item, Mr. [redacted] was required to have the aquarium crated which was not done. In the report Mr. [redacted] provided from [redacted] they state “[redacted] realizes from the many calls and email correspondence we had with Mr. [redacted] that he values these items way beyond their intrinsic value due to the circumstances of how they were acquired, who they were given from and the history behind these pieces.” [redacted] also lists replacement values for items on their estimate which are much less than the amounts claimed. We advised Mr. [redacted] the policy does not cover sentimental value per Exclusion (i) and the insurance carrier reserves the right to require substantiation of any claimed amounts, value of items claimed, or proof of ownership. As this was not provided, I researched each item in an effort to find the items replacement value or an item of like kind and quality, per the terms and conditions of the policy. In doing so, we found the claimed amounts to be much higher than the replacement values. For other items, we proposed reasonable values based on their apparent quality and condition, and we advised Mr. [redacted] that if he has receipts, appraisals, etc. to substantiate the amounts claimed that he should provide this information for review. These items are outlined in detailed correspondence to Mr. [redacted]. At this time, Mr. [redacted]’s claimed damages include some that have been fully accepted, many more partially accepted in accordance with their reasonable value and/or in lieu of proper documentation or meaningful response, and others that were denied as untimely filed, wholly unsubstantiated, or subject to clear exclusions. While MovingInsurance.com remains willing to discuss these issues with Mr. [redacted] in an effort to resolve his claim, we simply cannot reimburse him for undocumented assertions and excluded damages.

To whom it may concern, Mr. [redacted] purchased a Valued Inventory insurance policy on our website after completing an online application. In so doing, he verified that he read all provisions of the insuring contract. Before affixing his electronic signature, Mr. [redacted] checked four separate boxes...

acknowledging his acceptance of the terms. Per exclusion (j)* of the policy items not shipped are not insured. As such the bed that was not transported by the mover is not a covered loss. Mr. [redacted] was aware the bed wasn’t being shipped as it was crossed off his inventory (attached page 5 of inventory) and per his email (attached) he had it hauled away and disposed of. *Exclusion (j) Items not listed on the movers' inventory prepared at origin. Items not shipped are not insured The damage to the office chair and brass bed were not noted damaged at delivery, nor was this damage reported within 48 hours of delivery as required per condition (ab)*. We understand that Mr. [redacted] would not know the extent of the damage until the second part of his shipment delivered. However, this does not prevent him from noting damages at the time of both deliveries. Nor does it prevent him from reporting damage within 48 hours of those deliveries. The first delivery occurred on 8/31/16 and the second was on 9/9/16 and his claim was not filed until 10/1/19. Therefore, the items claimed damaged were respectfully denied per condition (ab). *Condition (ab) The inventory as prepared by the Assured and/or the moving company must be noted and signed by all parties at loading and unloading for current conditions of the insured items. Refusal to sign the mover’s documents forfeits your right to file a claim for loss or damage. Loss or damage to any items [redacted] not be covered unless loss or damage is noted on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all parties. This condition does not apply to: 1. Concealed damage to items packed into boxes, cartons, or containers by the movers; 2. Damage to furniture items that is discovered after the bill of lading, inventory or delivery receipt has been signed as long as such damage is reported in writing to Moving Insurance, LLC via email or fax within 48 hours of delivery.   I hope this [redacted] allow the Department to conclude the handling of this file. If I can be of any further assistance, please let me know.   Thank you, [redacted] Claims Manager

Mr. [redacted] went to the Moving Insurance website and purchased the insurance himself. He was asked to read all provisions of the insuring contract, and had to check off in four separate places, before signing electronically, that he read and agreed to these terms. All information relevant to his...

claim was disclosed in the contract he signed prior to purchasing the coverage. Mr. [redacted] insured a Bed set which included a mattress, box spring, and metal frame for $1000.00. The policy states “The Insurance Carrier reserves the right to replace the damaged or missing items with items of like kind and quality. If any item of a "set" is lost or damaged, payment is only made for proportionate value of the item damaged, not the entire set. Items grouped together will be considered of equal value”. The policy additionally states “Unless specifically listed, all items of a pair/set will be considered of equal value”. Therefore, the adjuster divided the three items from the bed set by $1000.00 and allowed $333.33 for the mattress. I have attached the insurance certificate containing the above referenced information. I hope this will allow the Revdex.com to conclude the handling of this file. If I can be of any further assistance, please let me know.

The insured purchased an insurance policy on our website after completing an online application. In so doing, she verified that she read all provisions of the insuring contract. In fact, before affixing her electronic signature, she checked four separate boxes acknowledging her acceptance of the...

terms. In the terms and conditions (attached), it states, in bold black, the following exclusion “(b) Non-delivery of a shipping package if the delivery receipt shows that all packages were delivered to the final destination” and in bold black under Condition (ab) of the policy: “Loss or damage to any items will not be covered unless loss or damage is noted on the Movers Bill of Lading, Inventory or Delivery Receipt signed by all parties”. We also followed up with an email when the policy was purchased with Quick Tips (attached). In these it states “At the time of delivery, immediately document any damages using the checklist below: * Document all missing or damaged boxes on the moving company’s paperwork”. When the claim was filed on 8/18/16 the nature of loss provided was as follows: “Thus far we have 5 broken Waterford crystal glasses, a broken magnificent hand painted porcelain plate worth over $1,000, a magnificent huge Waterford crystal vase worth $1200.00 And more and we have not opened all boxes yet. So far it looks like about $4,600.00, but we’ll see tomorrow”. On 8/22/16 she reported a candelabra and silver tray missing and advised one box may be missing. Later that day she advised a box of silver was missing. On 9/7/16 we received their claim for $22,059.00.  After the adjuster reviewed the claim, it was found no exceptions were made for any missing items.  In addition to this policy requirement, American Home Movers Bill of Lading has a delivery acknowledgement which was signed and states “the shipment was received in apparent good condition except as noted on the inventory list”. The Descriptive Inventory also has a WARNING just above the signature, which states: “before signing check shipment, count items and describe loss or damage in space on the right above”.  As no loss was documented, on the shipping documents, for any of the 23 items/cartons shipped, the items reported missing are not covered under the policy. The boxes she claims were not checked off by the driver, when he left the warehouse, are actually 5 boxes and a chair. Of of these items, a chair was not claimed missing and the picture box would not have contained the items claimed missing. This leaves 4 boxes that he did not check off and all of these are packed by owner boxes, not items the mover packed, which is what is being claimed missing. Owner packed boxes are covered for $250.00 each up to $2,500.00 total. This is outlined in the terms and conditions as well as the Quick Tips sent by our customer service. Additionally, at the top of the inventory it is noted 7 items did not have numbers. This accounts for the items that did not check off. Further, the policy purchased was for $25,000.00. $24,876.00 of this was dedicated to Valued Inventory items(attached). This would leave $124.00 to cover the items not listed on the Valued Inventory. A minimum of $3,080.00 was needed based on 510 lbs. insured at $8 per lb. Therefore, she was only insured for 4% of what was needed. As such, co-insurance is applied to items that were not listed on the Valued Inventory. This is outlined in both the terms and conditions and the Quick Tips. On the claim form she has listed $7,723.00 for items that are not on the Valued Inventory. This does not account for items that were not on the Valued Inventory and not claimed. This shows the shipment was under insured. One of these items is a mirror that she has claimed $4,790.00. This was not packed as required and due to it being over $1,000.00 it is required to be listed on her Valued Inventory.  Both of these requirements are in the terms and conditions and the Quick Tips. She took pictures of the movers packing an 895 lb. shipment, but claims she was not aware a $4,790.00 mirror was not packed. We also want to point out that the 3 porcelain plates claimed for $575 each were reimbursed at $33.88 each based on a comparable item. In further research we found the same plate sold for $22.08 at: http://[redacted]/271915227969?_trksid=p2047675.l2557&nma=true&si=uFmgfV...⇄ Based on the above information we respectfully maintain our position.

The check was mailed on 3/24/17. We apologize for the inconvenience.

Mr. [redacted] filed his claim with our office on 2/26/16. We emailed him a claim packet on 2/26/16. He returned the claim packet on 2/29/16. After reviewing the information on 3/2/16 we requested he substantiate the $975.00 he was claiming for the curio cabinet with a receipt, cancelled check, credit...

card statement, etc. On 3/4/16 Mr. [redacted] provided an item available online, but this did not appear to be of like kind and quality to his curio cabinet. Due to this, on 3/4/16 we asked to send someone to inspect the item which Mr. [redacted] agreed to. The inspection was done on 3/11/16 and the inspection states the curio cabinet is mostly made of particleboard and value is $300.00-$400.00. The policy Mr. [redacted] purchased does not cover particleboard. Mr. [redacted] was made aware when purchasing the policy we do not cover particleboard. He was also sent an email after purchasing the policy on 2/22/16 stating "Remember not to insure any furniture built of MDF or particleboard because insurers will not reimburse for those items". Our office also called Mr. [redacted] and left a voicemail on 2/22/16 after purchase and advised particleboard was not covered. I have attached all documentation to support this.