(a) Loss or damage arising out of the acts of any government, customs authority, or official confiscation. Consequential losses due to delay or any depreciation in value are not covered
(b) Maximum recovery on damaged or lost owner-packed items, cartons, or containers is limited to $500 per item, carton, or container with a maximum per claim payment of $2,500. Claims will not be honored for shortage of any owner-packed items, cartons, or containers unless that shortage has been noted at the time of delivery and reported to the Insurance Carrier within 48 hours of delivery. In the event of a Total Loss of the entire shipment, loss of any owner packed items, cartons, or containers will be covered for loss up to the face value of the certificate and the shipment’s declared value.
(c) Loss or damage to jewelry, watches, gem stones, cash, currency or bank notes, deeds, firearms, travelers checks, coin or stamp collections, sports memorabilia,; ceramic, marble, granite or slate slabs, , motorcycles, alcoholic beverages, negotiable items, furs or garments trimmed with fur, ammunition, contraband, cigarettes, laptop or tablet computers, mobile or cellular telephones.
(d) Loss or damage caused by wear and tear, deterioration, changes in climatic conditions, mold and mildew, infestations, pre-existing damages, inherent vice, or discovery of loss or damage after final delivery made that is deemed to have occurred while the shipment was NOT in transit, and therefore is not covered.
(e) Any internal electrical or mechanical component of any device unless exceptions are noted at the time of delivery for external damage to such property. Loss of data and recalibration are also excluded.
(f) Wrinkled or soiled clothing, linens, drapes, or rugs.
(g) Marring, scratching, denting, chipping, or rubbing on items which have been received by the carrier as Condition Unknown.
(h) Items not listed on the movers’ inventory prepared at origin. Items not shipped are not insured
(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 damage.
(j) Loss caused by nuclear reaction, radiation, or radioactive contamination, whether controlled or uncontrolled, however caused.
(k) Physical loss or damage to the property carried out for political, terrorist, or ideological purposes when property is in storage.
(l) Real Estate property damage and/or any service related issues, including but not limited to mover and customer agreements, shipment delays, etc.
(m) Damage to any furniture constructed of veneered chipboard, particle board, composite board, or similar. Any reduction in quality thereof arising as the result of dismantling or reassembling of any such items of furniture is also excluded.
(n) Any damages caused as a result of these being in the shipment: hazardous materials, items that are flammable, corrosive or explosive; perishables: food, plants or living things that may die or spoil in transit.
(o) Contributory negligence on the part of the owner and/or their agents. Damages or loss attributed to an act, order, or omission on the part of the shipper.
MISREPRESENTATION AND FRAUD This document shall be void if the Assured has concealed or misrepresented any material fact or circumstance concerning this Insurance or the subject thereof. Any person who includes any false or misleading information on an application for an insurance certificate is subject to criminal and civil penalties. Notwithstanding any requirement, term, or condition of any contract or other document with the respect to which this document is issued, the insurance afforded by the certificate listed on this document is subject to all the terms of such certificate. In the event that you file a damage claim, you must file first with MovingInsurance.com. You cannot receive compensation for damages from the insurance carrier and the moving company. It is illegal to collect twice on the same item(s).
EXAMINATION UNDER OATH Before recovering for any loss you will, if requested: (a) permit us to inspect the damaged property before it is disposed of or repaired; (b) send us a sworn statement of loss containing the information we request to settle your claim. You must do this within 60 days of our request; (c) agree to examinations under an oath at our request; (d) produce others for examination under an oath at our request; (e) provide us with all pertinent records and reports needed to prove the loss; (f) cooperate with us in the investigation or settlement of the loss.
AGENCY It is understood and agreed that any person authorized by the named assured or shipper to order this insurance is acting as the agent of the Assured and is aware of the certificate terms and conditions. In any case, a customer signed certificate and terms and conditions must be received by Moving Insurance, LLC two days prior to packing or moving date.