Moving Insurance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this financial resolution is satisfactory to men whereas their rationale is incorrect
Regards,
*** ***

Horrible experience!!!
We moved states and hired a moving company to assist usWe also used movinginsurance.com to provide insurance in case something was broken (which has happened with all of our prior moves)After going through all our belongings, we noted that various items were broken and one box was missingGiven the large number of items (160+) and the inconsistency of counting items - we trusted the driver to count everything as it came off the truckOnce we'd been through our items we realized one box of expensive dishes had been lostWe called the moving company and notified movinginsurance.com as quickly as possibleMovinginsurance.com said they'd hanlde itAfter completing the required paperwork in the timeframe they outlined in their email response, the insurance company denied 90% of our claim because we had not written down the obvious damages on the inventory listing and had not notified them within hours of delivery for everything elseI've worked in the insurance industry for years and we've moved several times (including internationally) and we've never had problems filing claims with our other moving insurance companiesI'm disappointed at how movinginsurance.com handled our claim and their reliance on fine print to avoid paying legitimate claimsSave yourself a headache and do NOT use movinginsurance.com

Complaint: ***
I am rejecting this response because: The insurance claim form requested an inventory number for each claimed itemI found only one item called Lamp so gave that inventory numberThe insurance company initially denied that as not being carrier packed. My response was that the entire move was carrier packedTheir retort was that it was clearly blanket wrapped.Then I realized it was most likely a floor lamp and not the table lamp for which I entered the claim.All my table lamps were in boxes.I asked Ms *** if I had put a different inventory number for the table lamp, showing it was carrier packed as specified, would she have paid the claimNO RESPONSE. She would either have had to say NO therefore proving the company had no intention of honoring the claim or if she said YES then payment would have to be made
However, her entire excuse for not paying the lamp is invalid The inventory item does NOT indicate blanket wrapping as it does for other articles.Both she and I have that documentation
Ms ***'s insistence that my damaged table lamp which was carton packed is blanket wrapped and non-covered shows that she and/or her company does not want to honor a contract
Regards,
*** ***

Ms*** 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, Mr*** checked four separate boxes acknowledging her acceptance of the
termsPer condition (ab)* furniture damage must be noted on the Movers Bill of Lading, Inventory or Delivery Receipt or reported to Moving Insurance within hoursMoving Insurance also provided a pre-move email on 1/11/and a pre-delivery email on 1/23/advising that “you must note damage at delivery or report it within hours to Moving Insurance”Further, Ms*** was contacted by phone on both dates as wellTherefore, the furniture items not noted damage at delivery nor reported to Moving Insurance within hours of delivery are excluded from coverage*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 will 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 deliveryMs*** was given the option to add mechanical/electrical coverage to items when she purchased the policyAs mechanical/electrical coverage was not purchased, the electrical/mechanical damage claimed to the exercise bike is not covered per Exclusion (f)**Exclusion (f) Any internal electrical or mechanical component of any device unless exceptions are noted at the time of delivery for external damage to such propertyLoss of data and recalibration are also excludedElectrical or mechanical malfunctioning coverage may be available for a nominal additional premiumIf such coverage is purchased, it is required that any electrical or mechanical item covered by this insurance must be inspected at origin and destination by movers, with a specific note on the carrier's inventory indicating the operable condition of this itemFailure to do so will cause denial of claim in case of loss and/or damage to the items and will not constitute refund for this insurance coverageAny item inventoried by the mover as MCU (mechanical condition unknown) will not be coveredThe policy requires items to be insured for their replacement valueIf an item is insured for less than the replacement value, co-insurance* is appliedMs*** insured a TV Console for 80% of its value and a Glass Demilune Console for 88.8% of its valueAs such settlement was limited to 80% on the TV Console and 88.8% on the Glass Demilune Console *Co-Insurance - The amount of insurance purchased must be not less than the Replacement Value of the propertyIf it is, the Insurance Carrier will not pay for the full value of any item lost or damagedThe Assured shall, to the extent of such deficit, bear his, her or their proportion of the lossIf a valued inventory has been submitted with the insurance document, the maximum liability shall not exceed the indicated amountIf any item is insured for less than the replacement cost, co-insurance will be applied to the insured amount in determining the insured valueIn no instance, shall the Insurance Carrier's total liability exceed the insured value declared on this documentMs*** claimed damages include some that have been acceptedHowever, we cannot reimburse for damages specifically excluded from coverage

I have moved a number of times, once as far as miles and this whole experience of moving yards, was by far the worst I've ever hadThe movers, which is another story, dropped my curio cabinet off the truck and destroyed it....completely unsalvageable, destroyed!!
We called the moving company and they said to call the insurance company because we were covered fullyI called them and put in a claim and got no response from them until I emailed themThey kept stalling, I kept emailing and finally they sent a guy from a furniture restoration company to evaluate the damageHe told my wife that the cabinet was a total loss.....keep this in mind....it's been sitting in my hallway with broken glass in it for two weeksI got an email a couple days later stating that it wasn't covered because it was made of particle boardOne part of the trim was particle board, the rest of the frame was woodThe cabinet itself was 80% glass/mirrorThe Claims Manager, Jeff H , was very arrogantI knew from his first email to me that they were not going to pay up on my lossHorrible company!!

As stated previously, we had notified the customer that we did not receive the completed claim packetI have checked with the UPS store where the package was received, and they confirm receipt at their facility on July 10, However, the employee that signed for this is no longer with the company.If the insured had provided the tracking information previously, when we requested, it is possible we could have recovered the packageNow that is not possibleAdditionally, if they were able to provide the Revdex.com with photographs electronically, I am not sure why they could not simply provide these and the other requested information to us directlyI have again attached the claim reporting instructions that were sent to the insured, along with the claim formI do not see that the claim forms listing each item, it's corresponding inventory #, description of damage, replacement values, claimed amount and the required repair estimates included in the attached.As the information was accepted on our behalf on July 10, we can accept that information, however, it does not appear that ALL of the information was submitted, which would allow us to complete a thorough review of the claim.If the insured has this information and can provide to us by next Friday, November 20, 2014, we will complete a review of the claim, and adjust this based on the terms and conditions of the insuring contract

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

The customer's settlement check was mailed on 4/12/17. They should have received it by this time. Our apologies for the delay.

All claim forms that are submitted we require that the insured identify by name and inventory number exactly what they are claiming, along with the nature of damage, value of the item, and the amount being claimed. At the time the moving company packs and loads the shipment, a sticker is placed on every item by the moving company, and they then complete an inventory form identifying these items to correspond with the stickers.
This customer is the one who identified the item on the claim form by the inventory number; we accepted this information in good faith. This inventory number is in fact inventoried as blanket wrapped, which would not be covered by the policy.
As an act of good faith, with no admission of liability, we will allow the $400 claimed for the lamp. We will send this offer with a release form directly to the insured.

Please do NOT purchase any insurance from these people.The moving insurance was a total waste of my money. During the move I purchased the insurance from Moving insurance LLC. The following claims were refused
1. My sofa had mould and the legs were missing. They said that they wont cover mold and the legs I can purchase off a fuzzy website for cheap..
2. My computer desk was broken which was wood and my bed frame had scratches. they told me that my desk which was wood didnt look like wood. I told them to come and verify but they didnt settle the claim and wont take the claim.
3. My TV stand was broken which they said that they wont cover as I didnt report it within 48 hours of delivery. They told me I had 45 days to file a claim but when I filed a claim they had a small point in there big contract that we have to inform them within 48hours. Seriously, What is the difference between claim and inform. So they wont cover that too
And later the lady told me to file it with the movers and get whatever they would give.
Please do not waste time and money on these.
My claim number is : [redacted]
My policy no. is [redacted]

The policy is for Mobile Storage (containers). The policy covers the contents of a container during transport when the loss/damage is due a vehicle accident, rollover accident, fire, lightning, smoke, theft, or burglary. Contents of a Container damaged in other ways (forklifts moving containers, loading/unloading containers, etc.) is not covered. Ms. [redacted] checked off in four separate places, before signing electronically, that she read and agreed to these terms and the covered causes of loss. There is no refund due, nor is there evidence the damage claimed, to the dresser, was due to the covered causes of loss. Therefore, we respectfully maintain our position.

This customer hired a moving company to move their items. They then came to our website, filled out an online application and purchased insurance. The coverage they purchased was subject to specific terms and conditions. The customer did check off in four separate places, before signing...

electronically, that they read and agreed to these terms.I have attached the insurance policy, which includes the full terms and conditions of the coverage that the customer accepted PRIOR to actually purchasing the coverage. Additionally, I have attached a copy of the settlement letter.We are legally required to adjust all claims based on the insuring contract. The customer was instructed to provide any additional information they had to support their position that they complied with the terms and conditions. We do not show that any additional documentation was provided. As the claim was adjusted based on the terms and conditions of the contract, we must maintain our position on all items. An offer was made to the customer, and upon their return of the release form, payment will be issued.

This customer did file a claim notification with our company on April 12, 2014. 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 insurance. We sent the customer a Reservation of Rights letter as part of the claim packet on May 15, 2014. This is attached.Part of the contract allows the insured up to 60 days from the date we send them the claim packet to provide us with the requested information to support their claim of loss or damage. We did not receive anything from the insured at all within 30 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 closed. Nothing 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 7/10/14. 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 company. They 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 complaint. Based 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.

I thought I was purchasing 10,000. of insurance for my items to be moved from [redacted] to [redacted] This company has denied my claim due to unreasonable requests. I had my two most expensive items packed by the shippers and paid extra for the packing. After the movers dropped off everything in the evening they were on their way. My husband asked if they needed to inspect anything or unpack and they said they do not do that, just unload. Now the ins. company said the movers needed to unpack and document the damage on site and my pictures were not proof. So in essence I paid for nothing. Do not waste you money as this company will not pay for a claim. Check their reviews!!!

Complaint: [redacted]
I am rejecting this response because:
Be careful all potential users of Moving Insurance. There are a lot of fine print exclusions, all written to help the insurance company deny your claim. Same old story. Our apartment was totally destroyed because of incompent and neglected maintenenance by our landlord. As 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 place. Never mind that your life is a catastrophe because of the flooded apartment; it's much more important that you read the Insurance Contract. So, when I asked what was covered the reply was from Moving Insurance "everything on the list." Yeah right. Look at these examples of statements we got from Moving Insurance (quote): "The entertainment unit and 2 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 sculptures... and paintings... were 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 place. This 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 Insurance. Great! You pay over $6000.00 to insure your property and get half back. We are not going to use Moving Insurance or [redacted] if we ever need to move again, that's for sure."  
Regards,
[redacted]

The actuarial [redacted] is incompetent and undervalued my moving items in order for all of them to fall under the deductible. He does NOT work well with clientele and is not customer focused. I've mentioned to several people in Atlanta who are getting the work out not to recommend them as realtors or moving personnel.

When this customer purchased the insurance, they had to go through an online application. Before being able to purchase the insurance the customer actually checked off in four separate places, that she read and agreed to the terms of the contract. We are legally required to adjust all claims based...

on the contract, and apply the terms equally to all insured's.I have attached the insurance contract that was signed prior to the insurance being purchased, along with the settlement letter. The settlement letter identifies each item that was claimed, along with the relevant terms and conditions of the contract that apply. As you will see, two items were denied. Both of the relevant clauses of the contract that apply to these items was actually bolded in the contract to be further brought to the attention of the insured. Also part of the contract, and again pointed out to the customer was that they had a maximum of 60 days to submit all requested information in order to settle the claim. As a courtesy we actually gave a week extension for the customer to submit the information. We requested repair estimates for the damaged furniture, which were never submitted. Therefore, the insurance underwriter made an appearance allowance. Because the customer under-insured her shipment, the co-insurance clause of the contract was applied. Essentially because items were undervalued, the customer did not pay for full coverage; per the contract, the insurance carrier penalizes the insured in the settlement by the same percentage they under-insured their shipment for. Again, this is detailed in the settlement proposal. We have offered arbitration if the customer feels that the claim was not adjusted based on the contract she signed prior to actually purchasing the coverage. As we have to adjust the claims based on the contract in order to be in compliance with Dept. of Insurance requirements, we are not in a position to make any adjustments.

We have already provided the documentation showing how the claim was adjusted. For clarification purposes, this customer did in fact accept all of the terms and conditions PRIOR to purchasing the policy. She 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 toaster. The 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 boxes. There 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 insurance. Two lamps were denied. They were not professionally packed into lamp cartons as required. That is the specific condition of the coverage for lamps specifically. As this was not done, they were broken, and not covered by the insurance. And finally, the mattress was not professionally packed into a mattress carton as required. When the mover loaded the mattress, they documented that it was stained and worn, and the bottom and side corner were torn. She signed this at origin as a true and accurate inventory of the goods tendered to the mover, and their condition. As 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 items. An offer to repair damaged items was made to the customer for certain items, and she has until November 16 to return her signed release, at which time payment will be processed.

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 deserve. I ran out of patience, time, and money to pay for arbitration and legal representation. But that doesn't mean it's a fair settlement. What they do is predatory and anti-consumer. They wait months without responding, take 2-4 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 nothing. The repairman I hired (at their request) was independent and impartial, and his message/verdict indicated I deserved the full claim. They 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 claim. Then they refuse to share the language of his findings/verdict, only offering me a pittance. Their 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 2-4 times to get any response, sometimes not for weeks. I 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 claim. Just 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.

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 offer. I always complied to his requests right away. In regards to his last email see as follow: I requested more information why I was only offered $ 110. To this day I did not got an answer. I also requested information on the movers documents, that in regards to his prior email was so important for the settlement. I guess the movers report, who trashed my content is more important than my respons who paid the additional $ 300 for the insurance. Their 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 theattached. Please 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 comply. Sorry I responded to all his messages, he didn't. I paid 3 times, 1. I paid the movers in full that damaged my content. I paid $ 300 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]