Most movers have a claims process. We work hard not to need one.
A 1.73% claim rate across 31,031 moves. A 24-hour response guarantee. Most claims resolved within 7 days. Here is the full comparison.
After 40 years and more than 30,000 moves a year, we have learned that the best claims experience is one you never have to go through. Our standards keep damage rare. And when something does happen, we handle it the right way, every time. One contact, one process, no padded hourly rates, or inflated insurance upsells. Here is how our approach compares to the rest of the industry, and why we built it this way.
The difference between valuation and accountability
Most moving companies spin a lot of words on valuation options. Released value. Full value protection. Declared value. What they are really doing is selling you a cushion for their own mistakes.
At 3 Men Movers, we start somewhere different: preventing damage in the first place. Our crews are trained and certified through our Perfect Move program. Furniture gets wrapped before it leaves a room. Floor runners go down before anything moves through the house. Trucks are loaded to prevent shifting in transit. These are not upsells. They are how we operate on every job.
The result: a 1.73% claim rate across more than 31,000 Texas moves. Most movers do not publish that number. We do.
When something does go wrong, here is exactly what happens
No moving company can promise zero damage. What we can control is what happens next.
You contact us. Reply to any email, text, or call from your move. No special inbox, no separate claims department.
We respond within 24 hours, guaranteed. Not a goal. A commitment we put in writing.
You submit the claim in writing. Texas state regulation requires damage claims to be filed in writing to initiate the process. We send you a simple online form.
We assess and resolve. Most claims are closed within 7 days. We evaluate based on what is actually fair. If we caused it and the claim is approved, we repair the damage.
If you are not satisfied, you have options. TxDOT provides free consumer mediation at (800) 299-1700. We publish that number because we are confident it rarely needs to be used.
What we do not do
We do not charge extra for basic accountability. Some companies pad their hourly rates or sell separate insurance tiers to cover their own negligence. Our standard pricing is our standard of care.
We do not default to depreciated valuations. A $0.60-per-pound formula pays you a few dollars on a broken dresser. That is not a resolution. We assess what actually happened and what it costs to make it right.
We do not hide our numbers. A 1.73% claim rate is something we are proud of. The industry average runs 15 to 20%. Forty years of careful work earned that gap, and we put the number on the page.
When something does happen, here is how we compare
| 3 Men MoversTexas | Local Texas CompetitorTX / FL | National Franchise AMulti-state | National Franchise BMulti-state | National Franchise CMulti-state | |
|---|---|---|---|---|---|
| How to file | One email with photosReply back to any email, text, or calls | Email to back officeOr noted on-site | Local franchise officePhone or email | Call or email same dayBefore movers leave | Community care inboxNeeds CID number |
| Initial response | Within 24 hoursGuaranteed | PromptOn-site or next-day | 30 business daysJust to acknowledge | Up to 2 weeksPer BBB reports | VariesNo stated SLA |
| How damage is valued | Case by caseWhat is actually fair | Flat $2,000 capRegardless of loss | Coverage plansConsult local office | Insurance add-onSold separately | $0.60 per lbCan deny particle board |
| Upfront insurance fee | NoneWe keep it fair and stand by our transparent rates | In hourly ratePadded into the hourly rate of every move | Optional add-onUpgrade available | Paid tierPremium upsell | Optional upgradeAvailable |
| Resolution time | Most within 7 days | PromptOften on-site | Up to 120 daysPlus 60-day intervals | Weeks to monthsFranchise-dependent | VariesNo stated timeline |
| Process clarity | Clear and directOne contact, no runaround | ClearOn-site plus office | VariesNo central process | InconsistentBBB complaints | MixedNot published |