To move to a different house, you need to gather a lot of paperwork. You might have heard of a certificate of insurance for moving, but you probably have no idea what it really is. Don’t worry, as you are not the only one!
A lot of people have misconceptions about this paper and think that it does not make a big difference whether or not you have it. Why this is not true, you are about to find out, because Big Apple Movers always have your back!
What Exactly Is a Certificate of Insurance for Moving?
Since there is a big probability you do not know what exactly a certificate of insurance is, we feel obligated to explain the significance of this piece of paper. Perhaps, after finding out everything about it, you might realize why it is so necessary and, dare we say, mandatory.
When moving to New York, your first task should be to hire reputable and, most importantly, insured movers. Insurance protects you and your furniture from any possible damage that may arise. Having that in mind, you should know that a lot of property managers will request to see a written proof that you have chosen an insured moving company before they let you move into the building.
At this juncture, the certificate of insurance assumes significance. Despite its perceived complexity, a certificate of insurance is a legal document issued by the insurance provider of the moving company. It is imperative that all parties involved in the moving process are adequately insured.
When Do You Need to Show a Certificate of Insurance?
To be fair, to have this certificate is not mandatory in all situations. However, if you do not have it when the property manager asks for it, you will not be able to move in. Moreover, a certificate of insurance is always needed when moving into an urban area, which all NYC boroughs are. Therefore, if you wish to avoid any delays when moving, it is wise to get this piece of paper in due time.
Furthermore, to ascertain whether the presentation of the aforementioned certificate is mandatory, there is a straightforward approach to determine this. You may inquire with the property manager of your prospective residence regarding their policy on the matter. This method is the most reliable and expeditious means of confirming the necessity of this documentation.
What Information Is On a Certificate of Insurance?
In order for a certificate to be valid, it needs to have some specific information written on it. The mentioned pieces of information are:
- A certificate of insurance for moving should state that your movers have a license to operate in that area.
- This certificate will state the address of your new home.
- Finally, it should list all the different scenarios for which you might need to use the insurance coverage.
Slowly, you should be getting a grasp on how necessary this piece of paper is. When making all the moving estimates – related, make sure to include this certificate. Trust us, having it can save your life (and your relocation)!
Why Do Property Managers Ask to See a Certificate?
Even flies on the wall know that relocation is risky, and oftentimes, damaging. During a relocation, a lot of things could go wrong, which would result in the damage to your items. However, besides your items, a part of the building could also get damaged. Obviously, a building is not your property, so someone needs to be held accountable if the damage does arise.
A certificate of insurance effectively resolves this issue, absolving both yourself and the property manager of any liability. In the event of any mishap, only your movers will be held accountable for any associated expenses. It is important to note that minor damages such as scratches on walls are not uncommon during the moving process, given the challenging nature of the task at hand.
How to Get a Certificate of Insurance for Moving?
While obtaining some other NYC building permits may be a long process, getting a certificate of insurance is not! Cheer up, as this is good news! All you have to do is have a talk with your moving coordinator, and they will do all the necessary things for getting this paper. They will contact the building management for some pieces of information, however, this is none of your worries. All you have to do is sit back and relax.
To ensure a smooth and efficient moving process, we kindly request that you make your request for a certificate in a timely manner. Ideally, it would be greatly appreciated if you could inform our movers of your need for this certificate at the time of booking. However, we understand that circumstances may arise, and we are happy to accommodate requests made up to several days prior to the move. We kindly advise against waiting until the last minute to make this request, as it may cause unnecessary delays and complications.
How To File A Moving Insurance
Hiring reliable movers is one of the best things you can do for your relocation. Movers have the right skills, are efficient, and will save you time, energy, and even money when they take care of your belongings. However, accidents do happen even to the best movers, and you may end up with a few things stolen or damaged.
Hopefully, this won’t happen, but knowing the process of how to file a moving insurance claim will make it easier for you to do it just right.
Take Photos of Items
Prior to the relocation process and prior to securely packing items into moving boxes, it is recommended to capture photographic evidence of the items. This photographic documentation serves as compelling evidence of the items’ condition prior to the relocation and can greatly enhance the likelihood of a successful claim.
Make an Inventory List
Make a list of all the things you are moving. The movers will also make a list, but it’s a good idea to have your own to prevent errors. Make a few copies of the list, keep one for yourself, and give one to the movers.
Having an inventory list makes it easier to detect any lost items. So, make sure you know how to create a moving inventory list and keep it close just in case.
Take Photos of the Damage
Just like you took photos of the items before the relocation, it is time to take photos once again. Having before and after photos will make your claim strong. Remember not to throw away the damaged items after you take photos, as the moving company might ask you for physical evidence. If the damage is done to your home, take photos of the damaged parts.
Keep Track of Every Conversation
This is a useful thing to do during your relocation. Keep track of each conversation you have with your movers. Write down the date, who you spoke to, and what was agreed. You will be able to create a timeline in this way, and your moving claim will take less to complete.
Also, you should save not only conversations, but also receipts, documents, and any paperwork you received from the movers. If you send originals when filing a moving claim, make a hard copy just in case you have everything with you.