How long does a mover have to pay out a claim for damaged or lost belongings?

Great question! The timeline for damage/loss claims depends on the type of move and which liability option you chose:

Interstate Moves (Federal Carriers): - Movers must acknowledge your claim within 30 days - They have up to 120 days to settle it (or deny it) - If you disagree, you can file a complaint with the FMCSA

Intrastate Moves (varies by state): - Rules differ significantly by state - Most states require acknowledgment within 30 days and resolution within 60-90 days - Check your specific state's regulations or your contract

What affects the timeline: - Whether you chose basic (released) or full-value protection - How quickly you submit documentation (photos, receipts, repair quotes) - If the claim is straightforward or disputed - Whether you need an independent adjuster assessment

Pro tips: - Document everything immediately after delivery (photos, videos) - File your claim within 9 months (required for federal moves) - Keep all moving paperwork and receipts - Get written estimates for repairs when possible

If a mover isn't responding or misses these deadlines, you can file a complaint with your state's Public Utilities Commission or the FMCSA. For high-value items, full-value protection is worth the extra cost—it removes the "released value" cap (usually $0.60/lb per item).

Want help finding movers in your area who clearly explain their liability options upfront? That's a great way to avoid disputes altogether!