How to File a Moving Damage Claim (Step-by-Step Guide)

Despite the best efforts of professional movers, damage sometimes happens during a long distance move. Knowing how to properly document and file a claim ensures you're fairly compensated. Here's exactly what to do.

Step 1: Document Everything Before You Sign

This is the most critical step — and it happens at delivery, before you sign anything.

• Inspect every item as it's unloaded
• Check furniture for scratches, dents, and broken parts
• Open boxes and check contents for fragile items
• Photograph any damage immediately
• Note all damage on the delivery receipt (Bill of Lading) before signing

Critical: Once you sign the Bill of Lading without noting damage, it becomes significantly harder to file a successful claim.

Step 2: Know Your Coverage Type

Your claim amount depends on the valuation protection you chose:

• Released Value Protection (basic, free): Compensates $0.60 per pound per item. A 50 lb TV worth $800 would receive $30. Very limited.
• Full Value Protection (additional cost): The mover must repair, replace at current market value, or offer a cash settlement. Much better coverage.

Step 3: Notify the Moving Company in Writing

Contact the moving company immediately after delivery — don't wait. Send written notice via email or certified mail with:

• Your name, move date, and order number
• Description of each damaged item
• Estimated repair or replacement value
• Photos of all damage
• Your contact information

Step 4: File the Formal Claim

Under FMCSA regulations, you have 9 months from the delivery date to file a written claim. The mover has 30 days to acknowledge your claim and 120 days to either pay, decline, or make a settlement offer.

Get the moving company's official claim form and complete it in full. Include:

• Itemized list of damaged/missing items
• Purchase receipts or estimated current value
• Repair estimates from qualified repair persons
• Photographs of damage

Step 5: If the Claim Is Denied or Underpaid

• File a complaint with the FMCSA at fmcsa.dot.gov
• File a complaint with the BBB
• Consider arbitration — most FMCSA carriers are required to participate in an arbitration program for claims under $10,000
• Consult a moving attorney for significant claims
• File a dispute with your credit card company if you paid by card

How to Prevent Moving Damage

• Choose full value protection when booking your move
• Photograph all valuables and furniture before the movers arrive
• Create a detailed inventory with photos
• Pack fragile items yourself or supervise packing closely
• Choose high-quality, FMCSA-verified movers