What People Moving from San Antonio Should Understand about the Valuation of Their Possessions.

The valuation of items being hauled in any move of a person, family, or business from San Antonio to another location – or from anywhere to anywhere – is strictly regulated by the federal government.

man putting books in a moving boxIt is true, generally, that your moving company is legally liable for any loss of or harm to your belongings at any time during the haul. It’s also liable for loss and damage while its crews are handling your possessions in fulfillment of any other San Antonio moving services for which you contracted. Such services should be spelled out on the bill of lading: packing, unpacking, disassembly and reassembly, for example.

There are, however, limits to your moving company’s liability. Those limits are set by the federal Surface Transportation Board’s Released Rates Order. You can review a current copy of it here.

The critical thing is, know what options are open to you for the safety of your belongings. And know your San Antonio moving company. Just because a mover asserts that his firm is “fully insured and bonded” is no assurance that your belongings themselves are automatically covered. In that regard, your local mover being affiliated with a major national van line is no guarantee that you’re protected either. In both situations, you could be forced to acquire additional third-party liability insurance. Your mover could offer to sell it to you, but he has no legal obligation to sell it to you. Ask questions when you first discuss your needs in order to figure out  precisely what your course of action should be.

Keep this in mind when you’re looking into your choices here in San Antonio: Two different measures of moving-company liability are relevant to interstate moves – Full Replacement-Value Protection and Waiver of Full Replacement-Value Protection, or Released Value.

 A-1 Freeman Moving Group San Antonio Moving Terms Infographic


Without doubt, Full Replacement-Value Protection gives you the most comprehensive coverage. But going for it means you’ll pay more for your move. With this measuer of liability (subject to allowable exceptions in your mover’s tariff), your mover will either arrange for whatever repairs are needed to return a damaged piece to the condition it was in when he first got it from you … or he’ll replace it more. Whatever valuation you and your mover agree upon, it must appear on your mover’s tariff. Note also that movers are authorized to limit their Full Replacement-Value liability for loss or damage of pieces valued exceedingly high. Those would be pieces valued at $100 or more per pound, such as jewelry, antiques, silverware, china, oriental rugs, and the like. Ask for further information on all this from your mover. In the end, though, it falls on your shoulders to make the appropriate declaration.

If you opt for a Waiver of Full Replacement-Value Protection, or Released Value, you will, of course, get minimal liability protection. But it won’t cost you anything. What this level of protection does is limit your mover’s liability to no more than 60 cents per pound, per article. Certainly, that wouldn’t give you enough of a reimbursement to replace any piece valued above 60 cents per pound! Goods like stereo equipment, gym equipment, computer hardware, and computer software are thus considerably more at risk. That’s something to think about before you [[commit in writing to|contract with]150 any mover!

You may, though, have one more option: your current homeowner’s policy. Re-examine it and talk with your insurance agent to discover if there’s anything in it about coverage of possessions during a relocation. If so, you could find the minimum level of mover liability coverage – Released Value – sufficient.

Just make sure you’re onboard with what degree of protection your moving company is including in his quote: Full Protection or Released Value. That way, your move won’t punch you with any absolutely extraordinary surprises!


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