Moving Coverage Options
We train our staff thoroughly to ensure that your belongings are packed correctly, transported safely and unloaded professionally. However, sometimes an item might get damaged. That’s why we offer valuation protection, a program that resolves the situation quickly, keeping you happy throughout the course of your move.
Free Basic Liability Protection
Basic Liability Protection is free. It provides repair or replacement up to a maximum of $.60 per pound per article in case of damage or loss.
For example, if you bought an antique armoire for $1,600, and it weighs 150 pounds. Under Free Basic Liability Protection, if the armoire is damaged beyond repair, you would receive 60 cents per pound per article, or $90.00.
Need a higher level of protection than our basic liability coverage?
Depreciated Cost Protection Coverage ( DVP)
Depreciated Cost Protection Coverage covers against loss of value up to the depreciated value of the item.
For example, a color TV was purchased five years ago for $500. It is crushed by the movers. To replace the TV today would cost $650. It is expected that a TV will last 10 years of use. Therefore, half of the life of the TV has been used. The customer is covered up to $325 (1/2 of the $650).
Maximum Value Protection (MVP)… Your Optimum Coverage
Maximum Value Protection gives you complete peace of mind during your move.
MVP provides full replacement protection on any item damaged or lost during your move. We will pay to replace or repair the item, whichever is less, up to the full value of the item after the deductible.
MVP even protects the value of pairs or sets when just one of the items is damaged (if you select a no-deductible protection plan). For instance, let’s say one of a pair of matching lamps is damaged beyond repair. If we can’t find an exact replacement, we will pay to replace both lamps.*
For example, if you bought an antique armoire for $1,600, and it weighs 150 pounds. Under MVP, if the armoire is damaged beyond repair, you would receive full replacement value which is $1,600.00.
Maximum Value Protection offers the best possible protection for your important belongings. To protect the total value of your belongings, select the appropriate level of MVP. We suggest consulting your homeowner’s or renter’s insurance policy for recommended coverage levels, or ask your Relocation Specialist to help you determine the proper amount. At a minimum we recommend that you declare $5.00 per pound times the total weight of your shipment. And be sure to make your request for MVP in writing in the valuation statement on your Bill of Lading.
Extra Ordinary Value Items
All items in your shipment, which are considered to be of extraordinary value, must be identified. You must advise your van line agent in writing that they are in your shipment. These items are defined as items having a value greater than $100.00 per pound per article.
For example:
n Antiques
n Crystal
n Precious Stones or Gems
n Art Collections
n Currency
n Silver and Silverware
n Cameras
n Figurines
n Video Cameras
n Computer Software
n Furs
n Coin Collection
n Oriental Rugs
If you include items of extraordinary value in your shipment, a High Value Inventory sheet must be completed and signed by you prior to your move. In the event of a claim, any settlement is limited to the valuation you declare for the entire shipment.
If you fail to list all extraordinary value items and/or fail to sign the High Value Inventory sheet, the van line liability for loss of or damage to those items will be limited to no more than $100.00 per pound per article, based upon the actual weight of the article (does not apply to shipments under the "basic carrier liability" option).
* See the terms and conditions specified on the North American Protection Plans 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 the MVP Plan.
Palmer Moving and Storage offers two valuation coverage options to shipments in storage:
n Limited/Basic Liability
n Replacement Cost Protection.
Both options are explained in detail below.
The first 90 days of the shipment in storage are considered Storage in Transit (S.I.T) and any valuation plan that was purchased during the pickup will cover the shipment during this time. After 90 days the default coverage is $0.60 per lb. per article unless an additional coverage was purchased.
Clients transferred under a corporate relocation agreement with Palmer may have their S.I.T. period extended to 180 days. This varies by contract - check with your Palmer Representative for details.
Our valuation options for storage are as follows:
n Limited/Basic Liability - As a licensed common carrier, we are required to provide limited liability coverage at no charge to the customer. Under this option maximum liability is limited to $.60 per pound per article, in the event of damage or loss.
n Replacement Cost Protection (RCP): This covers your belongings at their full replacement value. Declared value must be a minimum of $4.00 times the actual weight of the shipment. The cost of this coverage is $4.00 per $1,000.00 valuation per month.
A note: Coverage must be continuous. Late monthly payments could affect your coverage. Do not wait until coverage lapses as policies cannot be backdated.
Both Valuation Coverage afforded above does not apply to:
n Acts of God (earthquake, flood, tornado, etc.)
n Hostile warlike actions or acts arising from riots, civil commotion, strikes, or labor disturbances.
n Any article of extraordinary (unusual) nature or value, unless a special agreement has been stipulated to do so. Including but not limited to jewelry, furs, stocks, bonds, cash, antiques, and art collections.
n Loss or damage resulting from wear and tear, moths or vermin, dampness of atmosphere or extremes of temperature.
n Acts or omissions of the shipper, such as neglecting to prepare for time of shipment.
n Internal electronic or mechanical items, whether packed or unpacked by Palmer Moving and Storage or the shipper.
n Loss or damage consisting of breakage to fragile items, such as china, glassware, etc., unless packed and unpacked by Palmer Moving and Storage, or unless caused directly by fire, theft, collision, or overturn of transport vehicle.
n Marble - Due to the fragility of such items in most cases for reasons beyond our control, Palmer Moving and Storage will not take responsibility in terms of any type of coverage unless the item has been professional crated and prepared for shipment by our crews.
n Press-Wood / Particle Board items - Due to the fragility of such items, they must be properly disassembled. Otherwise, Palmer Moving and Storage will not take responsibility in terms of any type of coverage.
n All Electronic Items - Palmer Moving and Storage is not responsible to any internal damage to electronic or mechanical items, whether packed or unpacked by Palmer or the shipper (MCU).

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Since 1910, Palmer Moving and Storage has been serving Metro Detroit and Ann Arbor area residents for their relocation.

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