Cargo coverage is different from property coverage. The Customer must choose a level of cargo coverage for their shipment. Property coverage is used for the protection of the Customer at no additional cost.
Your property is covered by the Mover’s policy for damage caused by the Movers actions. It is recommended that you make a list of the old damage that exists to floors, walls, sidewalks, and other key areas before the Movers arrive. This is similar to a real estate “Walk Through” performed prior to closing.
If there is new damage to the property caused by the Movers, you will need to record the new damage on the bill of lading or other related form before they leave the residence. Once the crew leaves the residence, the Mover cannot be held liable for property damages unless it is noted on the shipping paperwork.