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Old 07.09.2020, 11:09
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Moving company refuses to cover damages

Hi all,

We recently moved and used the services of Metro Umzug. We had quite a bad experience, really not recommending them, can comment on that separately.

Long story short, there were damages in the apartment after the move and the company refused to reimburse for the damages through their insurance.

Have you had such experience and what could you do to get yourself reimbursed for the damage? And again I'm just looking for some constructive feedback on this. Comments on why you didn't go with that or other company, you get what you pay, etc. are fair comments, however not very constructive as this is now in the past.

Thanks a lot!

Cheers
K
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Old 07.09.2020, 11:37
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Re: Moving company refuses to cover damages

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Hi all,

We recently moved and used the services of Metro Umzug. We had quite a bad experience, really not recommending them, can comment on that separately.

Long story short, there were damages in the apartment after the move and the company refused to reimburse for the damages through their insurance.

Have you had such experience and what could you do to get yourself reimbursed for the damage? And again I'm just looking for some constructive feedback on this. Comments on why you didn't go with that or other company, you get what you pay, etc. are fair comments, however not very constructive as this is now in the past.

Thanks a lot!

Cheers
K
Why don't you have insurance?
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Old 07.09.2020, 11:43
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Re: Moving company refuses to cover damages

Thanks. You mean home insurance or other type?
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Old 07.09.2020, 13:59
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Re: Moving company refuses to cover damages

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Thanks. You mean home insurance or other type?
That would be a good starting point.
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Old 07.09.2020, 15:47
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Re: Moving company refuses to cover damages

Personal liability insurance, I'd think.

If you moved out of a rental apartment, and that was damaged, then your obligation is to the landlord/owner of the apartment. You must cover the costs of the damage/repairs, your obligation towards your ex-landlord, yourself. Ditto if it is your new rental apartment that was damaged. You must fulfil your obligation towards your new landlord.

You may be able to claim it back from your liability insurance. Ask them what to do, before you proceed with repairs or paying your landlord. If you are a member of the tenant's association, you may have, at the time of joining, bought an extra mini-policy which covers the excess (self-pay) portion of your claim against your liability insurance.

Parallel to lodging that with your liability insurance, and dealing with your landlord, you should be claiming the costs of the damages/repairs from the moving company. The movery, in turn, will, or at least should, turn to their business liability insurance to cover the costs.

To quantify the extent and costs of te damages, you may need the details of a quote or invoice from your landlord, and/or a letter from an assessor at your liability insurance.

You should supply your own liability insurance company with
  1. full details of the incident, the damages, photos, diagrams, any proof you have of before and after, and that it was the movers who caused the damage
  2. full details of the moving company and
  3. (if you have them) the details of the moving company's liability insurance company.

Do not try to do this by phone.
Do not try to do this electronically.
Use letters, on paper, in an envelope and sent by registered mail.

Here's hoping you are awarded some sort of relief!
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Old 07.09.2020, 15:56
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Re: Moving company refuses to cover damages

Here's another small tip. Once you find out properly what the repairs are going to cost, pause for a moment.

Set those costs in relation to the number of hours of paperwork this matter is likely to cost you. Weigh up, for example, the actual sum in relation to your income and wealth, your hourly rate, your affinity to and competence in doing admin, how much you want to use this as a learning experience as you go along, your personality and how much it matters to you to actually get that to which you are entitled, how many other demands you have on your time and, if you live with a spouse, children, or others, how they regard this matter.

That will help you decide whether - for you(and only you yourself can know where your own cut-off point is) - it would be better to persue this, and if so how far and long, or better to write it off, and if so, when.
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Old 07.09.2020, 16:17
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Re: Moving company refuses to cover damages

What is the moving company saying?

Is it damage to your belongings or the outgoing flat or ingoing flat?

Do you have a damage report signed by them that acknowledges the damages?
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Old 07.09.2020, 16:43
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Re: Moving company refuses to cover damages

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Personal liability insurance, I'd think.

If you moved out of a rental apartment, and that was damaged, then your obligation is to the landlord/owner of the apartment. You must cover the costs of the damage/repairs, your obligation towards your ex-landlord, yourself. Ditto if it is your new rental apartment that was damaged. You must fulfil your obligation towards your new landlord.

You may be able to claim it back from your liability insurance.
Why would the OP's liability insurance have to pay this? OP is not the one who did the damage. If I come to your place and break something, my insurance is liable. If you break something, yours is liable. Of course OP could claim they did the damage but if the moving company did the damage, then it's their liability insurance who should be liable.
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Old 10.09.2020, 03:04
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Re: Moving company refuses to cover damages

Mmm... now I'm not sure. Your post got me thinking.

My reasoning was that I have a liability towards my landlord. Whether the windows get smashed because you come to my place and smash them, or whether I smash those windows myself, is irrelevant to my landlord, and it is still me who has a duty towards my landlord. Whether or not either you or I have liability insurance is also irrelevant, in the sense of not affecting my duty towards my landlord. I must honour my contract with the landlord to keep and to return the property in good order.

Perhaps my liability insurance would step in to cover the costs because my policy with them is about their pledge to help me to honour my responsibilities. If it was you who smashed the windows, then my insurance would not go silently into the night, but would turn to you to reimburse their costs. If you had liability insurance, you would, in turn, forwad my liability insurance's claim on you to your liability insurance company, because your policy with them is about their pledge to help you to honour your responsibilities.

I think that's how the chain of events works. If you had no liability insurance, my insurance company would claim the damages directly from you. If you were penniless, then my liability insurance would still fulfil their deal helping me to fulfil my duties, but would then have no way to re-claim the expenses they covered on my behalf.

In any event, it would still, first of all, be up to me to fulfil my duty to my landlord. I don't think there's any way for me to shirk that responsiblity by simply saying: "Oh, sorry, Landlord, but it wasn't me. Yes, I can see that there's a jagged hole where there should be an intact pane of glass, but it was Kri who smashed the window, so please go over and talk to Kri. Good luck!"

Can anyone else comment, please, on whether this is the way it works? Thanks.

Last edited by doropfiz; 11.09.2020 at 22:32. Reason: minor grammar
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