How to file a claim for moving damage

Filing a moving damage claim well starts before you even sign for delivery — the documentation you gather in the first hour makes the biggest difference to whether your claim gets paid fairly.

Step by step

  1. Note damage on the inventory sheet before signing — don't sign a "no damage" confirmation until you've actually inspected everything.
  2. Photograph everything — the damaged item, packaging, and any relevant context, immediately.
  3. File a written claim promptly — you generally have up to 9 months for an interstate move, but don't wait; file as soon as you can document the damage.
  4. Include supporting documentation — photos, the original inventory list, receipts or repair quotes if you have them.
  5. Track response deadlines — movers are generally expected to acknowledge your claim within 30 days and resolve it within about 120.
  6. Escalate in writing if the offer is too low — provide repair quotes or evidence supporting a higher value, and ask for a specific contact beyond the first-line claims team if needed.

What to keep throughout the process

  • The original written estimate and which valuation coverage you selected
  • The signed inventory list from pickup and delivery
  • All photos, dated if possible
  • Copies of every email or written communication with the mover about the claim

If the claim goes unresolved

If a mover isn't responding or you believe they're acting in bad faith, you can file a complaint with the FMCSA — see our guide on reporting a moving scam for the full process, including BBB complaints and, for card payments, disputing the charge with your bank.

Frequently asked questions

How long do I have to file a moving damage claim?

Under federal rules for interstate moves, movers must accept claims filed within 9 months of delivery. Don't wait — file as soon as you discover the damage, since evidence and memory both fade.

How long does a mover have to respond to my claim?

Movers are generally required to acknowledge a claim within 30 days and either pay, deny, or make a settlement offer within 120 days, though this can vary. Follow up in writing if you don't hear back within these windows.

What if the mover's settlement offer is too low?

You can dispute it — respond in writing with documentation supporting your claimed value (photos, receipts, repair quotes). Several reviewers across companies we've profiled report better outcomes after escalating in writing past the first-line claims team.

What if I packed the box myself — can I still file a claim?

It depends on your coverage type and whether the box shows external damage. Movers often exclude interior damage to self-packed boxes ('PBO' — packed by owner) unless the box itself was visibly damaged in transit.