We keep claims simple, transparent, and fair. Most are resolved within 21 business days, well inside the DOT’s 120-day requirement.
Submit your claim online or by email with photos and supporting documents. You have 90 days to file a claim. Extensions are available if needed.
You will receive confirmation right away. We will assign a claim number and representative.
An independent restorer may inspect damage if needed. We repair, replace, or issue a settlement based on your chosen valuation.
Most claims are finalized within 21 business days after all documentation is received.
You will receive regular status updates while your claim is in progress. If you disagree with a decision, FlatRate offers mediation or arbitration before any legal action. All settlements follow valuation rules: repair, replacement, or cash. Claims must be submitted within 30 days for local moves (intrastate), and within 90 days for interstate, long distance moves
Every move includes proactive steps to reduce risk, safeguard your items, and deliver real peace of mind.
Built-In Risk Prevention
Itemized inventory for every shipment with the option to add digital photo documentation. Detailed condition reports at pickup and delivery. Professional packing including shrink-wrap, blankets, and double-wall boxes. Custom crating for TVs, marble, glass, artwork, and sculptures. Trained, vetted crews using the right tools and materials. Advance coordination with building management for elevators, access windows, and parking.
When Issues Arise
Fair, transparent resolutions for repair, replacement, or settlement. Independent inspections by certified restorers when needed. Regular updates and clear communication until your claim is closed.
This combination of careful planning, specialized training, and hands-on accountability is what we call the FlatRate Standard.
We keep claims simple, transparent, and fair. Most are resolved within 21 business days, well inside the DOT’s 120-day requirement. Claims must be submitted within 30 days for local moves (intrastate), and within 90 days for interstate, long distance moves
Submit your claim online or by email with photos and supporting documents. You have 90 days to file a claim. Extensions are available if needed.
You will receive confirmation right away. We will assign a claim number and representative.
An independent restorer may inspect damage if needed. We repair, replace, or issue a settlement based on your chosen valuation.
Most claims are finalized within 21 business days after all documentation is received.
You will receive regular status updates while your claim is in progress. If you disagree with a decision, FlatRate offers mediation or arbitration before any legal action. All settlements follow valuation rules: repair, replacement, or cash.
Ready to get moved?
Whether short-term or long-term, FlatRate keeps your items protected while in storage.
Every shipment entering storage receives photo and condition reports at intake and verified inventory upon delivery from storage. Moving out of storage is considered a new move. You will reselect coverage for that leg.
Certain items and circumstances fall outside standard coverage:
FlatRate Moving will not be responsible for any damages to walls and floors, unless customer purchases Building Protection Coverage for each location. Building Protection Coverage for walls and floors may be purchased for an additional fee of $125.00 per location.
This coverage provides protection for damages to walls and floors that may occur during the course of the move, with a maximum coverage limit of $2,500.00 per location.
All approved claims under this coverage are subject to a $250.00 deductible per location.
This option is free and included with every move. FlatRate’s liability is limited to $0.60 per pound per item, regardless of the item’s actual value.
Example: If a 100-pound dresser valued at $1,000 is damaged, compensation equals 100 x $0.60 = $60.
This option keeps costs low but provides limited protection. Best for customers with standard household goods or existing homeowner’s insurance coverage.
With this option, you assign a total declared value to your shipment, for example $10,000, $25,000, or $50,000. If anything is lost or damaged, FlatRate will repair, replace, or pay the current market value minus any deductible.
Example: If you declare your shipment value as $10,000 and it includes 10 chairs, each chair represents $1,000 of your total valuation. If one chair is damaged, your payout would be $1,000, even if that specific chair is worth $3,000, because coverage is based on your declared total, not individual item values.
To ensure full protection for valuables like artwork or electronics, list them individually on your High-Value Item form. Cost is $50 per $10,000 of declared shipment value. A $500 deductible applies per claim.
Items that are not specified in the high value item list will be valued at $1.25 per pound.
If you have a few items that are significantly more valuable than the rest of your shipment, such as artwork, antiques, collectibles, designer furniture, or high-end electronics, you can add High-Value Item Coverage to your move. This coverage can be added to either of the main valuation options and allows you to declare certain pieces individually so they are covered for their specific declared value, rather than being averaged into your total shipment value.
Example: You list a painting valued at $5,000 separately. If damaged, payout is up to $5,000.
Every item above $2000 or more than $100 per pound should be declared.
For shipments valued above $100,000, you can purchase additional coverage from a licensed third-party insurer. FlatRate does not sell insurance directly but can recommend reputable providers. You may also check your homeowner’s policy, as some extend coverage to goods in transit or storage.
