Valuation coverage

Definition

How much the mover is liable for if the goods are damaged, which is not a business appraisal.

Why It Matters

It sets the claims exposure a buyer takes on. A mover carrying full-value protection is liable for real money when goods are damaged, and the claims history behind those elections is a diligence line rather than boilerplate. Ask for three years of claims by cause and what they cost, then check that the insurance in place actually matches what the contracts promise, because that mismatch is how a single bad job becomes an uninsured one.