Does USAA Homeowners Insurance Cover Moving Damage?

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Does USAA Homeowners Insurance Cover Moving Damage?

If you're relocating, you have a lot on your mind and a full schedule of planning, packing and transporting all your stuff. One of the things that you need to make sure to take care of is your renter's or homeowner's insurance policy. Not only is it important to ensure your policy is in place for your current place, but also for your new home. You also need a clear understanding of what your policy covers during your move.

Do you know what happens when your possessions are loaded onto the truck of a moving company? or are you on your own? Honestly, it depends on the situation. If the moving truck gets into an accident and your property is damaged, you may be covered under your renter's insurance. Otherwise, you'll have to seek compensation from the movers.

If you've suffered damage or loss due to a moving company's negligence and your USAA policy won't cover the damage. Let DoNotPay help file an official complaint.

Reasons to File a Complaint Against a Moving Company

When you hire a moving company, you have a reasonable expectation that they will perform their duties as promised. That means carefully packing your stuff up, placing it into the truck, and transporting it safely to your new home. Things may not go to plan, however, and if you experience any of the following problems, you may need to file a complaint:

No-Shows, late pickups, and delayed deliveriesFile a complaint if the moving company misses the contracted date to pick up or deliver your stuff.
Excessive charges or additional hidden feesIn some cases, a moving company might attach fees or overcharge on the final bill that you weren't expecting. This can complicate your finances and leave you struggling to pay the bill.
Damaged furniture or other propertyWhen your items have been extensively damaged, not just scuffed a little, or when many items sustain damage.
Stolen or Lost possessionsWhen items on your Bill of Lading have disappeared in the move.
Inappropriate behaviorWhen your movers don't respect your belongings like protecting fragile boxes, or they’re rude toward you or anyone.

What to Do Before Filing an Official Complaint

Most moving companies want to please their customers and will work with you when problems arise. But, if you feel as though your movers aren't cooperating as much as they should, you need to evaluate the situation. Before you file a complaint, try these steps:

  1. Check your contract for specific language regarding the moving company's liability.
  2. Collect any photographs, videos, documents, or other evidence of your claim.
  3. Contact the moving company via telephone, email, snail mail, or even social media.
  4. Determine your next steps depending on the response you get.

How to File an Official Complaint Against a Moving Company

If you've gone through the steps above and you haven't gotten the resolution you need, you may have no choice but to escalate the situation. When companies don't treat you well, you have the right to file a complaint with state and local authorities including:

You may also file an official complaint with either of these organizations:

File an Official Complaint Against a Moving Company With DoNotPay

If you've done your due diligence and attempted to contact the moving company to resolve the issue to no avail, it's time to get some help. The world's first AI Consumer Champion will assist you in filing an official complaint against an unscrupulous company.

How to file a complaint against any moving company using DoNotPay:

  1. Search for moving issues on DoNotPay.

  2. Start our Solve My Moving Issues product by telling us the name of the moving company you are having issues with.

  3. Answer some questions about your specific move, your moving company, and the complaint for which you'd like relief.

Send demand letters to Your Moving Company in Small Claims Court with DoNotPay

If you're not getting the results you want and your , you've tried contacting the moving company and filing a complaint, you can turn up the heat even more by suing your moving company. DoNotPay can help you file suit in small claims court to get the compensation you deserve:

  1. Log in to DoNotPay and select the Complaint Letters product link.
  2. Enter the dollar amount of compensation you are asking for.
  3. Choose the option for a demand letter or complaint letters forms.
  4. Provide details about why you're filing the lawsuit including photographic proof, videos, sworn witness statements, and other important information.

That's it! DoNotPay will generate the demand letter or complaint letters forms you requested. We'll even mail a copy of your demand letter to the company you are suing! In addition, you'll receive a professionally written script that you can use in court to benefit your case and ensure a win.

What Else Can DoNotPay Do?

Filing complaints against moving companies and preparing small claims court cases against them is a pretty big deal for an app. But, it's really only the tip of the iceberg. DoNotPay is an indispensable product that will change the way you do just about everything:

Join DoNotPay today to file a formal complaint against your moving company and get compensated for your loss!

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