Choose between released value and full value
For an interstate move, FMCSA says movers must offer released-value protection and full-value protection. Released value generally provides limited liability based on shipment weight rather than an item’s replacement cost. Full-value protection generally requires the mover to repair an item, replace it with a comparable item, or make a cash settlement, subject to the contract’s terms. Review the declared shipment value, deductible, additional charge, exclusions, and treatment of unusually valuable articles. Do not assume a homeowners or renters policy covers damage in transit; ask that insurer directly. Interstate customers should also receive FMCSA’s Your Rights and Responsibilities When You Move booklet. Source: FMCSA — Consumer Rights and Responsibilities (https://www.fmcsa.dot.gov/protect-your-move/consumer-rights).
Document condition and value before moving day
Create a dated inventory for furniture, electronics, artwork, and other items that would be difficult to describe after damage occurs. Photograph each item from several angles, including existing scratches or dents, model and serial numbers, and packed high-value contents. Keep purchase receipts, appraisals, repair records, and replacement-price evidence when available. Read the mover’s rules for items packed by the customer and for articles exceeding a stated per-item value; declare qualifying items in writing when the contract requires it. Store digital copies somewhere accessible after the move rather than only inside a packed device or box.
Protect your position at delivery
Inspect belongings and visible packaging as items arrive. Compare numbered inventory sheets, note missing cartons, and write specific damage exceptions on the delivery paperwork before signing when practical. Take photographs without discarding cartons, padding, broken parts, or labels that may help establish what happened. A delivery signature may acknowledge receipt, so read any release language carefully and retain a complete copy of every signed document.
Report damage and build a clear claim file
Notify the mover promptly and follow the claim method and deadline stated in the bill of lading or valuation documents. Identify each affected item, describe the loss or damage, state the remedy requested, and attach contracts, inventory records, delivery exceptions, dated photos, receipts, appraisals, and repair or replacement estimates. Preserve damaged property until the mover has had a reasonable opportunity to inspect it. Keep a dated log of messages and copies of everything submitted. For interstate moves, FMCSA provides mover-search, complaint, and consumer resources, although filing a complaint is separate from proving and resolving a private claim. Source: FMCSA — Protect Your Move (https://www.fmcsa.dot.gov/protect-your-move). For a future estimate request, include unusually valuable or fragile articles so the written quote can address handling and valuation questions.