What Happens If Something Gets Damaged During Your Move?

It is one of the biggest concerns people have when hiring movers: what happens if something breaks? Understanding how moving liability works before your move helps you set realistic expectations, make informed decisions about coverage, and know exactly what steps to take if something does go wrong.

How Moving Liability Works

Moving companies in the United States operate under federal regulations that define two types of liability coverage. Every licensed mover must offer both options, and you choose which one applies before your move begins.

Released Value Protection

The default option, included at no additional cost
The mover is liable for no more than 60 cents per pound per article
A 20-pound television damaged beyond repair would result in a maximum payout of $12
For most items, this coverage falls far short of actual value

Full Value Protection

The upgraded option where the moving company is responsible for replacing, repairing, or paying the current market value of any lost or damaged item
Typically comes with an additional cost and may include deductibles
Specific terms vary by company, so ask for the details in writing before you commit

What Is Not Covered

Even with full value protection, certain items may be excluded or subject to limited coverage:

High-value items like jewelry, antiques, artwork, and collectibles often require separate documentation before the move to qualify for coverage
Items you pack yourself rather than having movers pack may be subject to reduced liability if damage is attributed to improper packing

Ask your moving company specifically about their policy on customer-packed boxes before moving day.

Third-Party Moving Insurance

If the mover’s coverage options do not feel sufficient for what you are moving, you can purchase separate moving insurance from a third-party insurer. These policies are independent of the mover and can provide broader coverage at full replacement value.

It is also worth checking with your homeowners or renters insurance provider. Some policies include coverage for belongings in transit, which may save you from purchasing additional coverage separately.

What to Do If Something Is Damaged

If you discover damage after your move, act quickly and follow these steps:

Document everything immediately with photographs before anything is unpacked or touched further
Note damage on the delivery paperwork before the movers leave if damage is visible at the time of delivery. Signing without noting damage can complicate a later claim
Contact the moving company in writing within the timeframe specified in your contract. Federal regulations require that claims for interstate moves be acknowledged within 30 days and resolved within 120 days
Escalate if needed by filing a complaint with the FMCSA for interstate moves, or contacting your state consumer protection office for moves within Rhode Island, Massachusetts, or Connecticut

How to Reduce the Risk Before Your Move

The best outcomes start with preparation:

Work with a licensed, insured moving company with a verified track record
Ask about their claims history before you commit
Confirm all liability options in writing as part of your contract
Note high-value items specifically in your inventory before the move starts
Consider full value protection or third-party insurance for any move involving irreplaceable or high-cost items

Correia Brothers Moving and Storage is fully licensed and insured. We are transparent about coverage options before every move so you know exactly where you stand. Our local moving and long-distance moving services are handled with the care your belongings deserve.