Posts Tagged ‘Insurance’

Maximum Value Protection | Protect Your Valuables

Written by trishfms on . Posted in Be Prepared, central florida moving, Cross Country Moving Company, home owner, Insurance, move, mover, moving, moving advise, moving company, Moving Estimate, moving out of state, moving services, moving tips, moving to new state, nation wide mover, national moving company, north american van lines, professional mover, professional movers, professional moving company

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Maximum Value Protection

At Florida Moving Systems, Inc, we’ll work closely with you to make sure every item we move is packed properly, transported safely and unloaded professionally.  In the rare event that one of your items is damaged while under our care, North American offers Maximum Value Protection (MVP).  MVP is a protection service that offers full replacement value or cost or repair if your household item is lost of damaged during the move, up to the dollar amount that you declare. 

How does MVP work?

You bought your armoire for $1600, and it weighs 150 lbs.  In an unusual circumstance, it is damaged beyond repair.  If you selected full MVP coverage, you are compensated for the full replacement value. *  If you selected the minimal basic coverage, your reimbursement is limited to 60 cents per pond of the item.  

Look at this comparison:

Maximum Value Protection Coverage             See the difference? Ask your Relocation Consultant to determine how much coverage is right for you. 

Pairs and Sets

MVP even covers matched pairs and sets such as lamps, candlesticks, end tables and dining room chairs.  if one of the pair or set gets damaged, and an exact replacement can’t be found, we will replace the set. *

Basic Liability Protection

There is no charge for Basic Liability Protection.  It provides repair or replacement up to a maximum of 60 cents per pound per article should your goods get damaged or lost.  But when it comes to protecting your belongings, one size does not fit all – the level of protection you need may be greater than the minimum coverage.  Consult your homeowner or renter’s insurance policy for recommended coverage levels or work with your Relocation Consultant to fill out an inventory worksheet together.  Be sure to consider high value items such as artwork, electronic equipment and valuable collectibles.

How to move your belongings with MVP

Just go to your Florida Moving Systems, Inc. Relocation Consultant to help you understand your coverage needs, determine your household’s total valuation, and answer any questions.

* See the terms and conditions specified on the North American Protection Plan Worksheet and North American’s published tariffs.  Complete replacement of multiple item sets of china, gold and silver flatware, and crystal glassware are excluded from pairs and sets protection under MVP Plan    

Moving Estimates | Binding Estimates | Non-binding Estimates

Written by trishfms on . Posted in Be Prepared, central florida moving, move, mover, moving, moving advise, moving company, Moving Estimate, moving out of state, moving services, moving tips, moving to new state, nation wide mover, national moving company, north american van lines, professional mover, professional movers, professional moving company

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ESTIMATES:

The two most important things to understand for your interstate move are: the types of estimates offered and the mover’s liability in the event of loss or damage.  As you read further, you will discover that movers offer different types of estimates – binding and non-binding.  the type of estimate you select determines how the charges for your shipment will be calculated.  the estimate provided by your mover will notify you of the two liability coverage options:  Option 1 – full (Replacement) Value Protection and Option 2 – Waiver of Full (Replacement) Value Protection (60 cents per pound).  the mover’s liability is discussed in detail in the next section.

FMCSA requires your mover to provide written estimates on every shipment transported for you.  Your mover’s verbal quote of charges is not an official estimate since it is not in writing.  Your mover must provide you with a written estimate of all charges including transportation, accessorial and advanced charges.  This written estimate must be dated and signed by you and the mover.

The estimate provided to you by your mover will include a statement notifying you of two options of liability coverage for your shipment:  Full (replacement) value Protection and Waiver of Full (Replacement) Value Protection, Released Value of 60 cents per pound per article.

If you are moving from a location within a 50 mile radius of your mover’s (or its agent’s or broker’s) place of business, the estimate must be based on a physical survey of your household goods, unless you waive this requirement in writing before your shipment is loaded.

Please be aware that a household goods broker may only provide an estimate on a mover’s behalf if it has a written agreement with the mover and uses the mover’s published tariff.

You and your mover may agree to change an estimate of charges based on changed circumstances, but only before your shipment is loaded.  Your mover may not change an estimate after loading the shipment.  There is more information about the changes to estimates in the following sections.

Never sign a blank or incomplete estimate.  Movers may not require you to sign blank or incomplete estimates.  Unscrupulous movers could use the blank or incomplete estimate to change the terms of your move, including the cost, without your knowledge or consent.

Binding Estimates:

A binding estimate guarantees that you cannot be required to pay more than the amount on the estimate.  However, if you add additional items to your shipment or request additional service, you and your mover may:  agree to abide by the original binding estimate, negotiate a new binding estimate or convert the binding estimate into a non-binding estimate.

If the mover does not give you a new binding estimate in writing, or agree in writing to convert the binding estimate a non binding estimate before your good are loaded, the original binding estimate is reaffirmed.  Under these circumstances, your mover should not charge or collect more than the amount of the original binding estimate at delivery for the quantities and services included in the estimate.

If there are unforeseen circumstances (such as elevators, stairs, or required parking permits) at the destination the mover can bill you for these additional expenses after 30 days from delivery.  charges for services required as a result of impracticable operations are due at delivery, but may not exceed 15% of all other charges due at delivery; any remaining charges will be billed to you with payment due in 30 days.

If you are unable to pay 100% of the charges on a binding estimate, your mover may place your shipment in storage at your expense util the required charges (including the cost of the storage) are paid.

Your mover may charge a fee to prepare a binding estimate.

NON-BINDING ESTIMATES:

A no-binding estimate is intended to provide you with an estimate of the cost of your move.  A non-binding estimate is not a guarantee of your final costs, but it should be reasonably accurate.  The estimate must indicate that your final charges will be based upon the actual weight of your shipment, the services provided, and the mover’s published tariff.  therefore, the amount of your mover’s non-binding estimate may be different than the amount you ultimately have to pay.

A non-binding estimate must be in writing and clearly describe the shipment and ll services provided.  Under a non-binding estimate, the mover cannot require you to pay more than 110% of the original estimate at the time of delivery.  this does not excuse you from paying all of the charges due on your shipment.  the mover will bill you for any remaining charges after 30 days from delivery.

Your mover must give you possession of your shipment if you pay 110% of a non-binding estimate or 100% of a binding estimate, plus 15% of the impracticable operations charges (if applicable).  If your mover does not relinquish possession, the mover is holding your shipment hostage in violation of Federal Law.      

Change of address Checklist

Written by trishfms on . Posted in central florida moving, Cross Country Moving Company, home owner, Insurance, move, mover, moving, moving advise, moving company, moving out of state, moving services, moving tips, moving to new state, nation wide mover, national moving company, north american van lines, packing, packing advise, professional mover, professional movers, professional moving company, real estate news, storage tips

Change-of-Address

Lists and checklists are your best friend when relocating to a new home or city. Whether you rely on moving apps to help you get everything done, or if you’re a tried-and-true notepaper sort of person, make sure you follow this handy guideline for ensuring you successfully change your address (and/or cancel services) with the organizations and people you rely on every day.

A. Utility Providers

___ Electricity

___ Gas

___ Water

___ Sewer

___ Garbage/Recycling

___ Telephone

___ Cell Phone

___ Cable

___ Internet

B. Household Services

___ Yard/Garden Maintenance

___ Housecleaning

___ Handyman Services

___ Pool Cleaning

___ Water Delivery

___ Food Delivery

C. Local Business Providers

___ Family Doctor

___ Veterinarian

___ Attorney

___ Accountant

___ Optometrist

___ Dentist

D. Family Services

___ Child’s School

___ Babysitter

___ Daycare

___ Tutor/Private Teachers

___ Sports Teams/Coaches

E. Financial Accounts

___ Banks

___ Loan Providers

___ Credit Card Companies (including individual department stores)

___ Health Insurance

___ Auto Insurance

___ House Insurance

___ Life Insurance

___ Pension Plan/Retirement

F. Government Offices

___ IRS

___ Social Security

___ Pension

___ Unemployment Office

___ Car/Boat/RV Registration

___ Driver’s License

G. Subscriptions

___ Newspaper

___ Magazine

___ Book Clubs

___ Music Clubs

___ Monthly Deliveries

H. Miscellaneous

___ Alma Mater

___ Professional Organizations/Clubs

___ Charities

It’s always a good idea to register your change of address with the U.S. Postal Service, as well. A forwarding address form will help make sure all mail is directed to your new address. (Remember, though, that this service doesn’t last forever, so you will need to eventually change your address at each individual provider.)

One great tip for ensuring that you don’t forget anyone is to start a list about two months before your move. Take note of every piece of mail that comes in and who you’ll need to contact to update your information. You can also make an announcement on Facebook (assuming your profile is private) to your family and friends so that everyone can be sure to find you in your new home.

Source:  NAVL

What Does Homeowners Insurance Cover In Florida?

Written by trishfms on . Posted in home owner, Insurance, moving advise, moving tips, professional mover, professional movers, professional moving company, real estate news, Uncategorized

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Home Insurance Coverage – 

What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • DWELLING — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • PERSONAL PROPERTY — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • LIABILITY — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
  • MEDICAL PAYMENTS — Covers medical bills for person(s) injured on your property.
  • LOSS OF USE — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.
  Source:  Great Florida Insurance
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