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Loss and Damage Liability (Valuation)

The household goods moving industry generally provides two programs for determining carrier liability, both of which consider depreciation in calculating claims settlements. In addition, most major van lines like Meyer's/Mayflower offer full-value protection programs which do not incorporate depreciation as a factor in determining replacement value. The program which you select will determine Meyer's/Mayflower's maximum liability to you for your shipment. However, please remember that valuation is not insurance. Valuation is a tariff-based level of motor carrier liability. If you desire the kinds of additional protection afforded by insurance coverage, you should contact your insurance company.


    Plan A. Full Replacement Value with no deductible. Under this option, you are protected for the cost of repairs or the replacement cost of unrepairable items or items documented at the time of delivery as missing from your shipment. You are protected from the first dollar of any loss up to a maximum settlement of the total released value you declared on your shipment or $3.50 per pound times the total weight of your shipment, whichever is greater. You must declare a minimum value of $3.50 per pound times the weight of your shipment or $15,000, whichever is greater, to qualify for Full Replacement Value protection. Your Mayflower agent can provide you with the cost for this valuation option.

    Plan B. Full Replacement Value with a $300 deductible. Under this option, a $300 deductible will apply on damage claims. You are still protected from the first dollar of loss due to documented missing items. Because you share in the potential liability of any claim, the cost for Plan B, full Replacement Value with a $300 deductible is available to you at a lower cost. Your Mayflower agent can provide you with the cost for this valuation option. Except for application of the $300 deductible on damage claims, you will have the same protection under Plan B as you have under Plan A.

With this option, you declare a lump sum value for your shipment. Your Mayflower agent can provide you with the cost for this valuation option. The minimum amount of value you can declare with Declared Value Protection is equal to $1.25 times the total weight of your shipment. Depreciation is considered by Mayflower when evaluating liability for loss or damage under this option.

This very basic plan is the least comprehensive plan we offer. There is no additional charge for 60 cents per pound per article released value, but you must specifically request this valuation in writing on the Bill of Lading.

Under this option, for example, Meyer's/Mayflower's maximum liability for an item lost or damaged weighing 70 pounds would be $42.00 (70 pounds x 60 cents = $42.00). Depreciation is also considered by Meyer's/Mayflower when determining a settlement amount. This option is very basic and is used most frequently when other insurance which may respond to a loss is available – for example, homeowner's insurance applicable to a move – or by corporations that have blanket coverage for their employees.

At the time your shipment is delivered, it is your responsibility to check each item that is delivered against those items listed on your inventory. Check each item for damage that did not exist when the shipment was loaded. If there is additional damage, make a record of that damage on the delivery inventory. Mayflower will only consider a claim for a missing item as "documented" when a record is made by you on the delivery inventory that an item has not been delivered.

The driver who handles your shipment is instructed to allow you sufficient time during delivery to inspect your goods and to record any exceptions on the delivery inventory. If, for any reason, you are not given opportunity to inspect your goods and make exceptions, contact Meyer's/Mayflower's Customer Service Department during delivery.

All items included in your shipment which are considered to be of extraordinary (unusual) value must be specifically identified , and Mayflower must be advised in writing that they are included in your shipment. Items of extraordinary value are defined as those items having a value greater than $100 per pound per article. Some of the items typically considered in this category include:

    • antiques
    • jewelry
    • art and coin collections
    • oriental rugs, furs
    • computer software
    • precious stones or gems
    • crystal
    • silver and silverware
    • currency
    • tapestries
    • figurines
    • televisions or stereos
    • furs
    • video cameras
If items of extraordinary value are included in your shipment, a High Value Inventory form 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 items of extraordinary value and/or fail to sign the High Value Inventory form, upon the actual weight of the article (does not apply to shipments under the "Carriers Liability" option).

Because Meyer's/Mayflower's liability for your shipment is limited to the written declaration of value which you place on the Bill of Lading, you should include the value of all items, including all items of extraordinary value, in the total amount of released value which you declare for your goods. Please note that protection for items of extraordinary value is not available for shipments which are released to Meyer's/Mayflower at a value of 60 cents per pound per article (Carrier's Liability option).

Before your possessions are packed and loaded, it is important that you understand which items cannot be shipped because they represent a hazard or are perishable. Listed below are some common non-allowable items that you will need to address prior to your pack and load dates:

Hazardous Materials – items that are flammable, corrosive or explosive.

Examples include:

  • Aerosols Fireworks Nail Polish
  • Ammonia Gasoline Nail Polish Remover
  • Ammunition Household Batteries Paint thinner
  • Car Batteries Kerosene Paints
  • Charcoal Lamp Oil Pesticides
  • Charcoal Lighter Fluid Liquid Bleach Poisons
  • Chemistry Sets Loaded Guns Pool Chemicals
  • Cleaning Solvents Matches Propane Tanks
  • Fertilizer Motor Oil Sterno
  • Weed Killer
  • Perishables – food, plants or living things that may die or spoil in transit.*
  • Examples include:
  • Frozen Food Plants Refrigerated Foods
  • Open or Half-Used Foods Produce

*For shipments moving less than 150 miles and delivered shortly of pickup, carriers may agree to transport perishables that are properly packed and require no servicing in transit. Note: You should empty your refrigerators and freezers and keep appliance doors open for at least 24 hours in advance of loading. This will allow the appliance to dry out and prevent the growth of mold.

Items of Personal Importance/Sentimental Value – this third category of "non-allowables," while not representing a physical threat, can create problems, should your shipment be delayed or items lost. The impact of a loss or delay can be lessened if irreplaceable, sentimental items are carried with you and not packed with your shipment.

Examples include:

  • Address Books Financial Documents Professional Files
  • Airline Tickets IRAs/Deeds/Tax Records Research Projects
  • Car Keys Jewelry/Furs School Records
  • CD's Medicine Software Backups
  • Checkbooks Personal Video Tapes Sterling Silver
  • Computer Disks Photographs/Photo Albums Stocks/Bonds

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