One Phone Call Moving
Insurance Policy

1. Basic Coverage (Included)

  • All moves include standard limited liability protection at $0.60 per pound per item, as required by federal regulations.
  • This coverage is included at no additional cost.
  • It applies to loss or damage caused during the move.
  • Compensation is based on weight, not item value.

2. Full Value Protection (Optional)

  • Customers may choose Full Value Protection for an additional fee.

Under this coverage, we will:

  • Repair the damaged item, OR
  • Replace the item with a similar one, OR
  • Provide compensation based on current market value

Important:

  • High-value items must be declared before the move.
  • Deductibles may apply depending on the selected plan.

3. Items Not Covered

The following items are not covered unless otherwise agreed in writing:

  • Cash, jewelry, and valuables
  • Important documents (passports, legal papers)
  • Electronics not packed by our team
  • Plants, perishable goods
  • Items of extraordinary value not declared

4. Packing & Liability

  • Items packed by One Phone Call Moving are covered under the selected protection plan.
  • Items packed by the customer (PBO – Packed by Owner) are not covered for internal damage.
  • Damage due to improper packing by the customer is not the company’s responsibility.

5. Claims Process

  • All claims must be submitted within 7 days after delivery.
  • Customers must provide photos and a detailed description of the damage.
  • Claims will be reviewed and resolved within 14–30 business days.

6. Delays & Unforeseen Events

We are not responsible for delays or damages caused by:

  • Weather conditions
  • Traffic or road closures
  • Mechanical issues beyond control
  • Acts of God

7. Customer Responsibility

  • Ensure all items are properly prepared for moving
  • Remove or secure fragile/high-value items
  • Be present during loading and unloading for inspection

8. Additional Insurance

 

  • Customers are encouraged to purchase third-party moving insurance for high-value shipments if additional protection is desired.