Moving Insurance Guide

Whether you hire a professional moving company or decide to do the move yourself, you can never guarantee that all of your belongings will arrive undamaged. Damage can occur while the items are loaded or unloaded, in transit, or in the storage. Sometimes, items and boxes are lost.

It is extremely important to make sure that your belongings are adequately insured before you move. The following topics will help you choose the right way to insure your move:

Basic carrier liability (released value)

Declared value protection

Full value protection

Extraordinary value items

Homeowners insurance

How to file a claim

Basic carrier liability (released value)

Basic Carrier Liability is also often called Limited Liability and is the minimum coverage required by law. There is no extra charge for this type of protection.

It is the most economical option available. The level of coverage for interstate moves is 60 cents per pound per article. For local moves it is 30 cents per pound per article, but this may vary from state to state, so make sure to check it with your mover.

Loss or damage claims are settled based on the pound weight of the article multiplied by 60 cents (or 30 cents for local moves).

Let’s see how it works:

Among the goods you moved to your new home in a different state was a TV that you bought a year ago for $1,000. The TV arrived in million pieces.

Under Basic carrier liability you can file for 60 cent per pound reimbursement from the moving company. The TV weighs 100 pounds, so you will receive 60 dollars. Not much.

This type of insurance coverage definitely wouldn’t be enough to replace your broken or lost item with a similar one. If you agree to this option you will be asked to sign a specific statement in agreement on the bill of lading.

Declared value protection

This coverage is based on depreciated value of an item regardless of current replacement cost. Your valuables are somewhat protected under this option, but you pay for it.

The whole shipment is covered at a value not to exceed the dollar amount declared by the customer on the day of the move. The mover assumes liability for the entire shipment at an amount equal to $1.25 times the weight of your shipment, and you will be charged $7 for each $1,000 of liability assumed.

Let’s see how it works:

Your shipment weighs 4,000 pounds. You purchased Declared Value Protection for $28, and under that plan the mover was liable for loss or damage of up to $5,000.

From the example in the previous chapter, assuming the depreciated value of your damaged TV is $800 you should receive the full amount, and still be liable for $4,200 in case some other items are damaged, lost, or destroyed.

If you haven’t chosen another option you will be automatically default to this plan, and the mover is entitled to charge you $7 for each $1,000 of liability assumed.

You can also define your own value for your shipment. This option is called Lump Sum Value. If your shipment weighs 4,000 pounds the Declared Value Protection is $5,000, but if you decide you want to be better protected you can declare that your shipment is worth $10,000. It only makes sense if your shipment is really worth $10,000 or more, and for that option you will pay $70 instead of $35.

To obtain this coverage please consult your mover for additional charges and rules.

Need for A Home Buyer to have a Plumbing Assessment

If you’re looking for investing in a home there are many involving things you can do consequently adding an additional task to the blend may well not sound quite interesting. However, when you’re investigating purchasing the purchase of an adult home, and also a number of not-so-old versions, it has an important job that everyone must do before you decide to agree to purchasing this. Knowing that process is really a comprehensive plumbing-related assessment.

Getting the water system evaluation done is really a no-lose predicament. If your concern is identified, you get to hold the latest seller make fixes before you sign anything. In the event that absolutely no troubles are observed, you’re going to get a feeling of security knowing that there aren’t any invisible fixes lurking inside your plumbing that could cost you major afterward.

All home buyers will get an inspection with the residence produced by a house inspector, yet this kind of simply covers a very superficial assessment from the domestic plumbing program. A property assessment is vital and this post won’t in any way advise that a house customer should miss this. However, it is clearly recommended that every possible consumer get a licensed domestic plumbing specialist to examine the actual water system. Merely a domestic plumbing expert can tell you the condition of your domestic plumbing at home.

The challenge which has a residence’s domestic plumbing is it can not be seen. Even though a house may be refurbished and is inside fresh condition, it does not imply the particular plumbing is great. Domestic plumbing just isn’t just like cracked flooring, a break inside ceiling, or even a poor splash of paint. It can be under the area and needs a professional to look at this closely. You have to have a professional plumbing technician make use of a camcorder to inspect your drains and the appearance the actual pipes within the home. This is very important to become done to ensure you are not getting put in a situation where you might have to commit lots of money later to fix the broke series. This will likely look severe, but it is worth the some time and the expense, in particular when there is something completely wrong. In the event that there is nothing identified, next no less than you will find the comfort that comes from figuring out a thorough inspection ended up being executed.

More often than not we notice testimonies of men and women sometimes not wanting to spend the money or otherwise also thinking about obtaining a water system assessment done when buying their particular ideal home. Sadly, soon after they buy their house they locate they need 1000s of dollars at work to fix the ruined water system collection which they would have discovered prior to signing the acquisition offer.

So, with any luck ,, congratulations, you understand the importance of the actual plumbing related inspection when buying your brand-new house and will phone a licensed plumbing service to do it for your benefit. Then as soon as it is been recently done and you’re simply content how the water system is great then you’re willing to proceed. It is a little investment to achieve the understanding and also security that there is no problem using the residential plumbing. If some thing is located, that’s good also.

House Cleaning Maid Services

Our House Cleaning Maid Services is dedicated to properly give you the right solution for your maid problems. Our house maid and cleaning service team will clean, dust, polish, vacuum, mop, scour and sweep your house completely (No area will be missed) in a affordable price in San Antonio and surrounding areas – Upon completion, you will have a home perfectly clean in all places … We have been providing maid service service in San Antonio and the surrounding areas with the lowest prices in the Residential Maid service business.

If you are looking for experienced Maid service professionals in Our areas, then you have come to the right place. So if you need House Cleaning Maid Services for your home, give us a call. Don’t waste any more time getting your Maid service by going to the yellow pages and searching maid service San Antonio. Give us a call and be assured we will get the job done in your home.

Move In Cleaning Services in Texas- We provide a special move in cleaning service to make your new home sparkling clean and ready for you to occupy. The labor rate is $30 per hour, 4 hour minimum. Supplies, if needed, are $125. Sales tax is additional. If necessary we can provide a free in-person estimate to determine your specific requirements and how much it will cost.

We provide in-home Maid services in San Antonio Texas

What House Cleaning Maid Services can do for you:
BATHROOM CLEANING: Deodorize and disinfect all areas including scrubbing clean commode, sink, tub, shower, shelving and floor. Polish all chrome and glass.

KITCHEN CLEANING: Wipe clean all surfaces including interiors of cabinets, drawers and appliances. After we leave you can stock the perfectly clean shelves and refrigerator.

GENERAL RESIDENTIAL CLEANING: Vacuum and/or wash or floors; clean inside all closets. Wash windows, sills, remove dust from all baseboards, trim etc.

Cleaning service provided: – One-Time, Weekly, Biweekly, or Monthly Service Available – Free On-Site Estimate – Reasonable Rates – Prompt, Dependable Service – Satisfaction Guaranteed

House Cleaning Maid Services Basic Cleaning Package

– Residential Customized or Detailed Service Available on Request – The following is a list of basic cleaning specifications that are performed each service day. We can add or delete from this list to customize your cleaning:

* Dust all window sills, window ledges, door ledges, and baseboard.
* Clean all countertops and the outside of all cabinets in the bathrooms and kitchen.
* Dust and polish all wood furniture.
-Tables and dressers that are more than 50% covered with items may be eliminated from dusting unless detailed dusting is agreed upon.
-Small objects such as cosmetic bottles, trophies, and pictures under 5×7 will be eliminated unless detailed dusting is agreed upon.
* Wash the outside of all large and small appliances in the kitchen
* Spot clean all doors, light switches, and hanging light fixtures.
* Wash all mirrors, bathtubs, sinks, shower stalls, and toilets
* Wash all glass in outside entry doors (weather permitting)

House Cleaning Maid Services Floor Care:

We will always vacuum your floors. Kitchen and bathroom floors, if washable, will be washed. Waxable type floors will be waxed, if requested. Hardwood floors may be dry mopped, damp mopped or washed depending of the floor finish.

The Following Items can be added, along with other cleaning items not outlined:
* items not listed above (after agreement)
* Empty Trash
* Change Beds
* Vacuum Upholstery