Moving to a new home is an exciting yet stressful process, often involving numerous tasks like packing, sorting, and ensuring that your belongings are safely transported to the new location. Unfortunately, during this transition, there is always a risk of things getting lost, damaged, or even stolen. If you experience a theft during the moving process, it is essential to know whether you can claim compensation from the House Removals in Dunfermline. This article explores the circumstances under which you may be able to make a claim, the role of insurance, and the steps you should take to protect your belongings during the move.
Do House Removal Services Have Insurance?
Basic Liability Insurance:
This is the most common insurance that removal companies provide. It covers the company’s liability for damage or loss of goods due to their negligence, such as if an item is broken during the move. However, this coverage usually has limits, and it may not cover theft unless it can be proven that the company’s negligence was responsible.
Full Insurance Coverage:
This is a more comprehensive form of insurance that provides better protection for your belongings during the move, including against theft. This coverage is often optional, and customers are typically given the option to purchase additional insurance to ensure they are fully protected. Full insurance usually covers theft or loss under certain conditions, such as when the items are in the company’s custody or when the company is proven to be at fault.
Goods in Transit Insurance:
This insurance is designed specifically to protect your items while in transit. It typically covers theft, damage, and loss during loading, unloading, and transportation. However, the extent of coverage may differ depending on the provider, and some policies may have exclusions for certain types of goods or high-value items.
When the Theft Occurs While Items Are in the Removal Company’s Custody:
Suppose your items are in the possession of the removal company, whether during the loading or transport phase, and they are stolen. In that case, you may be able to file a claim under the company’s insurance policy, assuming the company’s policy covers theft.
If the Removal Company Failed to Take Adequate Security Measures:
If it can be proven that the removal company failed to take reasonable precautions to secure your belongings, such as failing to lock the truck or leaving doors or windows open, you may have bases to file a claim for robbery. In this case, the removal service could be held accountable for not maintaining a secure environment for your items.
If You Purchased Additional Insurance:
If you opted for additional insurance, especially full coverage, and it specifically includes theft, then you may have a better chance of claiming stolen items. Always check the fine print of the insurance policy to understand what is covered and the steps to follow when filing a claim.
If There Is Evidence of Employee Involvement in Theft:
In the unfortunate case that one of the employees of the removal company is suspected of being involved in the theft, you may be able to claim compensation if it can be proven that the company is responsible for the actions of its employees. In such cases, the company’s insurance may cover the theft, or you may have to pursue legal action depending on the circumstances.
What Should You Do if Something Gets Stolen During the Move?
Document the Loss:
As soon as you notice something is missing, note the item’s description, value, and any distinguishing features. A photographic record of the item or its serial number can help prove ownership.
Notify the Removal Company:
Contact the house removal service immediately to report the theft. Ensure that the company is aware of the situation, and ask them about their claims process. If they offer insurance, they will guide you through the steps to file a claim.
File a Police Report:
If you believe the theft is serious or involves criminal activity, report the incident to the police. A police report will help provide an official record of the theft and may be necessary for filing a claim with the removal company or insurance provider.
File an Insurance Claim:
If you have purchased insurance, whether from the removal company or a third-party insurer, start the claim process as soon as possible. Provide all necessary documentation, including your inventory list, the police report (if applicable), and any other relevant information.
Conclusion:
Although theft during a move is unfortunate, you may be able to claim compensation from the house removal service if your insurance policy covers it. Understanding your rights, the insurance coverage, professional House Removals in Kirkcaldy, and the necessary steps for claiming will help you manage the situation.
