Moving Insurance

The insurance underwriter has reviewed this file and agrees that the foot board was insured for $Per the insurance contract "The settlement based on Full Value Replacement insurance and Replacement insurance will be the lesser of repair costs, replacement value or as stated on the valued inventory."Therefore,the maximum amount payable is $The insurance underwriter has further agreed that strictly as a gesture of good will, they will cover the repair cost of this item in the amount of $After applying the deductible of $100, the underwriter will offer a payment of $65.00.Per exclusion (i) of the insurance contract, sales tax is specifically excluded from coverage:(i) Appraisal fees, estimate or inspection fees, shipping or transportation charges, sales tax, damages caused during assembly or disassembly of items that require third party service, items having no commercial value, items of sentimental value or property damageA release form reflecting this offer will be sent to the insured for signature

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution, although not satisfactory, is acceptable

We have already provided the documentation showing how the claim was adjustedFor clarification purposes, this customer did in fact accept all of the terms and conditions PRIOR to purchasing the policyShe accepted the following terms, ALL of which were BOLDED in the contract, AND were brought to her attention specifically during the application process, on the page where she could list her high value items (Specifically stating that any items constructed of MDF/particle board type of materials are NOT covered by the insurance, AND that any breakable/fragile/delicate type of items needed to be professionally packed by the mover in order to be covered), and again on the payment confirmation page.Two items were denied because they are constructed of MDF/Particle board, and a specific exclusion of the coverage.This customer packed her own lampshades, vases, plates and toasterThe only time that the underwriter will cover damage to items packed by the owner is when the owner documents damages to specific boxes at the time of delivery and photographs these unopened boxesThere is nothing documented regarding damage to any boxes that would have caused damage to the contents of those boxes, therefore, the items are not covered by the insuranceTwo lamps were deniedThey were not professionally packed into lamp cartons as requiredThat is the specific condition of the coverage for lamps specificallyAs this was not done, they were broken, and not covered by the insuranceAnd finally, the mattress was not professionally packed into a mattress carton as requiredWhen the mover loaded the mattress, they documented that it was stained and worn, and the bottom and side corner were tornShe signed this at origin as a true and accurate inventory of the goods tendered to the mover, and their conditionAs this damage was present PRIOR to the move, this was not covered by the insurance.We maintain that the claim was handled per the terms and conditions of the coverage, and therefore respectfully maintain our position on all itemsAn offer to repair damaged items was made to the customer for certain items, and she has until November to return her signed release, at which time payment will be processed

Complaint: [redacted] I am rejecting this response because:I was at all times in contact with Jeff H and I even offered that he can send an insurance adjuster to my home, I still have all the damaged goods stored away.He never responded to my offerI always complied to his requests right awayIn regards to his last email see as follow: I requested more information why I was only offered $ To this day I did not got an answerI also requested information on the movers documents, that in regards to his prior email was so important for the settlementI guess the movers report, who trashed my content is more important than my respons who paid the additional $ for the insuranceTheir is most definitive something wrong with this picture!His last email before sending the settlement offer was Jeffs last email: Ms [redacted] , For and on behalf of [redacted] Insurance Company, inreviewing the facts of the loss, the mover's documents and the terms andconditions of the certificate of insurance we will settle this claim per theattachedPlease carefully and thoroughly review the attached letter forcomplete details Sincerely, Jeff H, Claims Adjuster, Moving Insurance, LLC dba Relocation Insurance Group, LLCI deserve a better explanation than just I didn't complySorry I responded to all his messages, he didn'tI paid times, I paid the movers in full that damaged my contentI paid $ to Movers Insurance to cover my content, and now I am suppose to pay for all the damages wow :-( If somebody rejects the settlements, thats it for an insurance company, just keep quite than we don't have to pay anything instead of responding???? I have no words Regards, [redacted]

Complaint: [redacted] I am rejecting this response because: your insurance clearly does not cover container units and there should be a refunded The cows container was damaged but that does not mean that the vehicle was damaged Your insurance was not written for container which three independent companies handle.Your company rules do not seem cover container units such cows or pods Regards, [redacted]

The information included in the complaint is incorrect and not factualThe first notification of claim was actually made July 1, 2014, not June 1, I have attached a full copy of the insurance certificate that was purchased.The customer did submit photographs and a statement from a repair firm that his items were not repairableBased on the photographs, it was very evident that the items were in fact repairableWe sent in a professional repair firm, that is a member of the national organization CPPC (Claims Procedure and Prevention Council) to perform an estimate to determine if items were repairable, and if so, the cost.All file information was then submitted to the insurance underwriter for their review.The insurance underwriter allowed the repair cost of all items, and an additional good will offer of $700, for a total amount of $(Six Thousand Two Hundred Fifteen Dollars and 00/100) as evidenced by the signed release attached (which does effectively disallow this person to pursue any further funds for this loss, as he accepted this amount as full and final settlement).I have attached a copy of the release signed accepting this amount, along with our letter with the offer including the good will offer and an offer to arbitrate if he disagreed with the insurance underwriter's position.As the customer accepted the offer, this is a closed file and the insurance carrier will not change their position

Complaint: [redacted] I am rejecting this response because: Be careful all potential users of Moving InsuranceThere are a lot of fine print exclusions, all written to help the insurance company deny your claimSame old storyOur apartment was totally destroyed because of incompent and neglected maintenenance by our landlordAs a customer of Moving Insurance, you are supposed carefully read and know the fine print exclusions that was never presented to you in the first placeNever mind that your life is a catastrophe because of the flooded apartment; it's much more important that you read the Insurance ContractSo, when I asked what was covered the reply was from Moving Insurance "everything on the list." Yeah rightLook at these examples of statements we got from Moving Insurance (quote): "The entertainment unit and nightstands are constructed of a veneered chipboard, particle board, MDF or similar; therefore damage to these items is specifically excluded from coverage." Why were we told by Moving Insurance that furniture is covered by the insurance? That's simply not true"The sculpturesand paintingswere not professionally crated in solid wood crates as required; therefore damage to these items is a specific exclusion of the coverage." Indeed they were not "professionally crated", but this puts an unreasonable burden on the customer (us) to be able to know what needs to be "professionally crated"We believed that the horrible moving company " [redacted] ***" would know and inform us, since they recommended "Moving Insurance" in the first placeThis whole move has been a disaster and has been arrogantly neglected both by " [redacted] ***" and "Moving Insurance." Both " [redacted] ***" and "Moving Insurance" benefits from this; " [redacted] ***" makes an extraordinary sloppy move and saves money on packing material and on man hours spent; "Moving Insurance" in turn can deny reimbursing because of inadequate packing.However, we need to get on with our life and we are going to accept the offer from Moving InsuranceGreat! You pay over $to insure your property and get half backWe are not going to use Moving Insurance or [redacted] if we ever need to move again, that's for sure." Regards, [redacted]

This customer came to our website, completed an onlineapplication, and then had to go through the terms and conditions of the policy.All information was disclosedShe actually had to check off in four separateplaces, before signing electronically, that she read and agreed to these terms.She purchased insurance for a total of $25,Shelisted five individual items that she identified as high value, and theircumulative value totaled $19,This left a total amount of coverage foreverything else she owned at $6,Almost the entire first page of the terms andconditions was a description of the coverage requirements, and exactly howco-insurance is applied in the event of a claim, including examplesThiscustomer underinsured her shipment by over 75%.The claim was adjusted per the terms and conditions ofthe contractShe states that our system was down, however, we have confirmedwith the management that carries our servers that there was never any time thesystem was downWe assume this person simply forgot to click “Submit”.At this point I note that when the customer submittedher initial claim online, she was sent a claim packet with full instructions.She was instructed to complete the claim forms fully, and submit these, alongwith photographs of the damaged items and a professional estimate to repair thedamages for any items claimed damagedShe was given days to submit allinformation requested, as was specified in the contract and accepted by herprior to purchasing the coverageWe received claim forms that did not have allfields completed, and photographsShe did not submit the required repairestimates.From the insuring contract, Examination Under Oathbelow, and specifically relevant to this claim (b), (e), (f):EXAMINATION UNDER OATH: Before recovering for any lossyou will, if requested: (a) permit us to inspect the damaged property before itis disposed of or repaired; (b) send us a completed claim packet containing theinformation we request to settle your claimYou must do this within days ofour request or your file will be closed; (c) agree to examinations under anoath at our request; (d) produce others for examination under an oath at ourrequest; (e) provide us with all pertinent records and reports needed to provethe loss; (f) cooperate with us in the investigation or settlement of the loss.Initially we denied furniture items she claimed as shedid not document the damage to these items as is required per the insuringcontract, and also the legal manifest she signed with the moving company, whichis the only way to determine if the damage occurred while the goods were in thepossession of the moving companyShe did dispute this, but was unable toprovide any documentation to support her position that she complied with theinsuring contract We offeredarbitration to this customer, which she declined We then offered her a good will settlement of thereplacement value of all but items (which were two items she packed herselfand specifically excluded from coverage), having applied the co-insurance, asshe must bear her portion of the loss by underinsuring her items and not payingthe full premiumShe also declined this.In fact she did state in writing after she declinedthis that she would be either throwing her items away or donating them to “anot for profit that provides fine art mentoring scholarships to homeless andhigh risk children.”Due to the nature of communication she has directed toour company, the matter has been referred to our attorney

Terrible serviceI would never recommend this companyRun away from them! They will find excuses for not paying for either damaged or lost itemsDo not recomend it

Ms [redacted] purchased a Mobile Storage policy from MovingInsurance.com on June 26, She chose a company called COWs (Containers On Wheels) to move withThey rent containers to pack your belongings inOnce loaded, COWs then transports the container(s) to the destination you requestOur customer service spoke to Ms [redacted] on September 7, She said she was looking for her goods and stated that COWs is not telling her where the goods are locatedShe wanted to know if we had the address and we informed her that we don't have the location as we are not part of the moving company, we only have the information that she entered in our systemWe contacted COWs and on September 13, [redacted] from COWs advised us “It is at our Dealers location in Sanford, FLThe customer does not yet have a delivery address in ArizonaAs we have multiple locations in AZ, we typically do not send the container until we have a confirmed delivery address”He provided the following address where the goods were at: [redacted] ***Our customer service followed up with Ms [redacted] September 14, and made her aware thisShe advised she was closing next week and was told she would be able to get delivery within weeksWe advised to make sure she gives the mover as much notice as possible because it must be planned for delivery and then will go on a truck from FL to AZOn September 28, 2016, Ms [redacted] called stating that she is still waiting for delivery and cannot reach anyone to get her goodsWe provided the phone number where her goods were stored and she said she would contact themWe informed her that her policy ends today, so if she needs to extend coverage to purchase an extensionMs [redacted] did purchase an extensionHer items were shipped the following day September 29, 2016, from [redacted] ***The same address COWs advised they were at I have attached the Bill of Lading showing thisThe shipment delivered to Ms [redacted] on September 6, (one week after she called requesting delivery)She contacted Moving Insurance September 7, 2016, advising she had a teak dresser that was destroyedThe damage was not found to be due to any of the named perils covered by the policyIt was determined to be from loading/unloading which is not coveredThe policy requests “any documentation or official reports from local police or fire department agencies, supporting the claim be provided” because damage occurring due to an accident, fire, theft, etcshould be supported by a police/fire department reportWe would not expect a police report filed for the type of damage reported by Ms [redacted] as it is not the type of damage covered by the policyBelow are the covered named perils: COVERED CAUSES OF LOSS WHILE GOODS ARE TRANSPORTED VIA THE MOBILE STORAGE FACILITY: 1) Vehicle Accident 2) Rollover Accident 3) Fire 4) Lightning 5) Smoke 6) Theft 7) Burglary, except as excluded under Exclusion (e) COVERED CAUSES OF LOSS WHILE GOODS ARE STORED AT THE MOBILE STORAGE FACILITY: We cover direct loss to the insured property by the following causes of loss, except as otherwise excluded: 8) Fire or Lightning 9) Explosion of Sonic Boom 10) Strikes, Riots or Civil Commotion 11) Aircraft, Self-propelled Missiles or Spacecraft 12) Smoke 13) Falling objects, provided the building is first damaged by such falling objects 14) Vandalism or Malicious Mischief 15) Earthquake or Volcanic Eruption 16) Weight of Ice, Snow or Sleet 17) Sudden Collapse of Buildings or any part thereof 18) Sink hole collapse 19) Burglary, except as excluded under Exclusion (e) In conclusion, we did confirm where the property was located, advised Ms [redacted] of the whereabouts, and the shipping documents confirm this was where her belongings were storedAdditionally, after advising this to Ms [redacted] she purchased an extension knowing her items were stored in FloridaAs such, there is no reason for a refund, due to Moving Insurance not knowing where the property was at Sincerely, [redacted] Claims Manager

All claim mail for our company is received at a UPS StoreI have spoken to the manager, who confirms that one of their employees did in fact sign for your paperwork on July 10, However, that is where the trail endsThey have no record of turning the package over to an employee of Moving InsuranceAs stated previously, if you had simply provided me with the tracking information and name of the person who signed for this package when I originally asked, the package could have possibly been recoveredHowever, as you refused to provide any information, and the employee since left the UPS store, and so many months have passed, we were unable to do anythingAdditionally, you not providing the information via email or fax also prevented us from having any information to review At the request of the Revdex.com, I am including them in my response to youWe have completed a full review of the claim information that you submitted through the Revdex.com office, and we have adjusted your claim based on the insuring contract you accepted prior to purchasing the coverage Please note that we are legally obligated to adjust all claims based on the contract Please carefully review the information included in the letter

I am rejecting this response because:As seen on USPS Tracking page (I made a jpg-file of USPS webpage) the packet we mailed was signed for 1. July 10, 2014, 12:44 pm by [redacted] (USPS to Moving Insurance Tracking Info Pic 7-10-14.jpg)The papers mailed to Moving Insurance contained: 2. CLAIM REPORTING INSTRUCTIONS.pdf This is the address to which the claim packet was sent.3. Claim PRESENTATION OF LOSS filled out.pdf4. Moving Insurance claim 4-10-14 numbered 5-21-14.pdAlso submitted were Invoices for repair of damaged items, but BBB's limited space doesn't allow for more uploads.

This customer purchased insurance on our websiteWhile going through the online application, she was prompted on three separate pages to list all items to be insuredAdditionally, the instructions specified that all items had to be individually listed and valuedFurther, the instructions specified that any items lumped together in a group would be considered of equal valueThe customer actually had to complete all information, then check off in four separate places before signing electronically, that she read and agreed to the terms of the insuring contract When she filed her claim notification, she was sent a claim packet with full instructions on how to fill out the forms and return to us for reviewThis included information identifying each item being claimed with a description of the item, its' corresponding inventory # matching the mover's inventory form, the type of damage sustained, etcThe customer completed these forms and submitted to us for our review Regarding the lamp, this customer specifically filled out the documentation identifying a damaged lamp as item# on the mover's inventory formThis item was clearly inventoried as blanket wrapped,, which based on the insuring contract, is NOT adequate protection, and therefore specifically excludes damage to this itemBased on the information available to us, we have no choice but to maintain our position of denial on this item Regarding the other items being claimed, unfortunately the customer chose not to follow the instructions of the contract, and did NOT list specific items to be insuredInstead, she lumped together as one category EXACTLY: "China, cut glass, mirrors, crystal, assorted antiques" for a TOTAL value of $2,The moving inventory has a total number of items listed under this category totalling individual boxesTherefore, based on the contract, the maximum value for the contents of any one box was $ Per the insuring contract, the carrier will not pay out more for an item than it was insured for Unfortunately, this customer grossly underinsured their goods; the allowed amount is for the total amount these items were insured forAfter applying the deductible the customer selected at the time of purchase, there would be no payment forthcoming For an on behalf of Underwriters at Lloyd's, the claim was adjusted based on the contract, and the items that were covered under the contract, the offer included the full amount these items were insured forTherefore, the offer was fair, and we must maintain our position on these items If requested, we do have all documentation supporting our positionAll of this information was already provided and explained to the insured

Complaint: [redacted] I am rejecting this response because: To blame someone else, allegedly not with the company anymore, is extremely poor business practiceIt's not our problem to deal with Moving Insurance incompetent management and routinesDid the person(s) bring the claims with them home when they quit? Where is our claim? We are now also seriously question the lack of security routines for sensitive data and are adding this to our complaintHow about credit card information we used for paying the fees? What are the security routines? We called [redacted] some times and (even [redacted] tried to make her reply) she never once returned the phone callsMoving Insurance just claimed they never received our claim, AFTER we emailed them about the status of our caseSo why would we even begin to believe the poorly managed Moving Insurance Company without involving Revdex.comAll of a sudden Moving Insurance admits to receiving our claim after totally denying it earlierNo mail records in an insurance company? That's another proof how mismanaged business it is and that their credibility is zeroThey're fast to charge us, but faster to avoid responsibility, typical fraudulent behaviorTo overcome Revdex.com's file uploading deficiencies I will attach the documents of the claim we mailed to Moving InsuranceNOTE We have tried to attach our claim to this response, but get a Server Error and can't upload anythingI will also add that we sent the claim packet to [redacted] (the moving company), but USPS could only leave a notice because "No Authorized Recipient Availble" on Thursday July 10, PMConsidering all damage [redacted] caused to our property, it certainly adds insult to injury not even accepting our claim form, since we are supposed to notify them tooHow on earth are we going to be able to reply to a response at the latest 11/20/when we got the Revdex.com email asking for our response on 11/24/10.57AM, which after the deadline date? The day lag seems to be a Revdex.com issue and should not be held against us Regards, [redacted]

I am rejecting this response because: While I did accept their settlement, I told them when I did that I was only doing it because their deadline where if I didn't accept was coming up and otherwise I'd get nothing...and that they'd won a war of attrition with me that was designed to get me to accept a settlement less than what I deserveI ran out of patience, time, and money to pay for arbitration and legal representationBut that doesn't mean it's a fair settlementWhat they do is predatory and anti-consumerThey wait months without responding, take 2-weeks sometimes to respond to emails, introduce unnecessary and continued delays, and at the last minute offer a crappy settlement with a few weeks to accept or get nothingThe repairman I hired (at their request) was independent and impartial, and his message/verdict indicated I deserved the full claimThey refused to accept that (why they made me pay for it to begin with is a wonder), and sent their own guy out, who told me on site he agreed with my claimThen they refuse to share the language of his findings/verdict, only offering me a pittanceTheir statement that my dates are inaccurate is wrong...there were a great many dates that I reached out to them throughout the process, more often than not having to reach out 2-times to get any response, sometimes not for weeksI only included three contact dates because that's all your site allows.What they should do to effectively resolve this is pay me the entire sum of my claimJust because I have accepted their weak claim out of desperation doesn't mean it's actually right or legal, and I stand firm in my complaint to the Revdex.com so that future customers will know that this business is predatory and should be avoided

This customer did file a claim notification with our company on April 12, The insurance underwriter was handling all claims at that time, however, they said that there was some discrepancy as to whether they were actually liable for this claim, or a previous insurance underwriter, and therefore, finally on May 15, 2014, Moving Insurance decided to proceed with gathering the information and investigate the claim based on the terms of the insuranceWe sent the customer a Reservation of Rights letter as part of the claim packet on May 15, This is attached.Part of the contract allows the insured up to days from the date we send them the claim packet to provide us with the requested information to support their claim of loss or damageWe did not receive anything from the insured at all within days, so the claim adjuster sent a courtesy follow up reminder that they had until July 14, 2014, to submit the information or their file would be closedNothing was ever received, so on July 15, the file was closed accordingly.On September 23, I received an email from the insured stating we received the required documentation on 7/10/I reviewed the entire file, as well as the actual email box of the claim adjuster, and confirmed back to the customer that in fact there is no record of them ever submitting anything at all to our companyThey then replied in a very rude manner that they had proof of it "and this is a case for the Revdex.com"This is attached.I then responded again that we had no record of receiving any information from them, and asked her to please provide the address she mailed the information to, along with the signature of whomever signed for it, along with the carrier used and the tracking information.We never received another response, until the Revdex.com complaintBased on the facts to date, this customer did not ever submit any of the information to support that they even had a claim, and their file was closed accordingly

The photo of the mattress provided by Ms [redacted] shows the mover with her mattress at origin and it was not packed in a mattress carton as required by condition (ab) of the policyMs [redacted] signed and agreed top these terms an conditions prior to purchasing the policy and based on the photo she was aware the mover was not transporting her mattress as requiredWe require mattress be packed in a mattress carton as when they are only wrapped in plastic, it gets torn and due to most mattresses being white they stain easilyEspecially when they are being taken out of the home and put on a truck with other items such as lawnmowers, BBQ grills, etcWE did not need to send anyone to Ms [redacted] 's home as the mattress was not packed in a mattress carton as required, the bookshelf and desk are made or particleboard which is not covered per exclusion (g), and no exceptions were made for any damage to owner packed boxes at the time of delivery as required per Exclusion (a)We require this as when a customer packs their own cartons we no knowledge of the contents ,the condition of the contents, or the method of packingAs such, we are unable to assume liability for damaged contents of owner packed items without evidence of mishandling to the cartonWe regret the claim cannot be resolved as requested and hope this clarifies the basis for our claim settlement position

I am rejecting this response because:Upon submission of our initial claim, the company then tried to impose a new condition at the expense and burden of their customer which was not in the contractThis new condition was requiring the customer to obtain repair quotes, at their own cost, before a claim would even be considered by Moving Insurance, LLCOffering an arbitrary percent of the value of items after a minute review, or denying items coverage was purchased for stating they would have been destroyed regardless of how they were handled is not good faithClearly we are not the first to experience their deceptive business practices

The claim adjuster assigned to this claim did adjust this claim legally based on the terms and conditions of the insuring contractThe customer did not submit information that was requested in order to do a thorough review of the claimthe contract the customer signed DOES specifically state
that the customer will submit any information requested within days of our request, and will cooperate in the settlemnt of the claimAs the requested information was NOT submitted, the adjuster made a goodwill appearance allowance for those items the customer did not provide the required information onThe customer disputed this and requested arbitrationI did request the adjuster to try to negotiate a settlement prior to going to arbitration, which is part of the rules of the arbitrationThe customer declined this; I was not rude and dismissive at allI was neutral and simply confirmed to the customer that at their request the file was sent to arbitrationI am not commenting on anything because the file is with the arbitrator and we cannot discuss the claim any further until the arbitrator makes a ruling

Complaint: ***
I am rejecting this response because:BBQ's and lawn mover?? First at all I expect from a professional moving company not to put a white mattress on a lawn mover or a BBQ, I can't think of anyone who in his right mind would even do this! Second at all I moved from a townhouse to a condo without BBQ and without lawn moverAnd I moved many times before and I never had problems, but maybe this si what you get when you get moving insurance, than nobody cares anymore. I requested already times the report the moving company send to the moving insurance companySince I paid the moving insurance company $ and the moving company over $ 1,I am clearly the paying customerIf somebody ignores my request times, that makes me wonder why. For the last time I am requesting the report send from the moving company *** ** *** to the Moving InsuranceI paid two parties enough money to transport my furniture and to insure themMy contest was trashed and treated like garbage and I should pay for the damageThere is most definitive something wrong
Regards,
*** ***