If you’re moving out of or into an apartment or condo, the moving company you hire might need a Certificate of Insurance before moving day. If your movers don’t get one ahead of time, they might not be allowed to enter the property, which will delay your move. So as moving day approaches, make sure you know what a Certificate of Insurance is…unless you’re prepared for that awkward moment when your movers are not allowed to help you move! So here’s the rundown on the Certificate of Insurance.
What’s the Point of the Certificate of Insurance?
You know how important it is for your moving company to have insurance, right? It protects both you and the property you live in, which is why your apartment or condo’s property manager wants to see proof that your movers are properly insured. And that’s exactly what the Certificate of Insurance is, as it’s a document directly from the moving company’s insurance company.
What Information Does the Certificate of Insurance Include?
The Certificate of Insurance has to include specific facts that your property manager will want to know. For example, not only does it prove that your movers are insured, but it also shows that they are insured for that specific property, as it will include the address of the condo or apartment. It will also list the conditions in which the insurance coverage will be used. This way, the property manager knows that if the movers somehow damage the property during the move, the repairs will be covered by the moving company’s insurance policy.
What Happens if the Movers Damage the Property?
As careful as our movers are, we know that damage to the property is a possibility during any move. A moving crew might scratch a wall or scuff a floor, and we’re quick to take responsibility when this occurs. That’s why we have insurance! At 3 Men Movers, we meet the minimum state requirements of $1 million for general liability. If there is any damage to the property as you move in or out, you or the property manager can contact us and we will either pay for it directly or submit a claim with our insurance, depending on the total cost. Regardless, neither you nor your property manager will have to pay for the damage incurred during the move.
How Do You Know if You Need a Certificate of Insurance for Your Move?
Before you schedule your move with 3 Men Movers, ask your apartment or condo property manager if you need a Certificate of Insurance. Most require it and let you know this when you move in, so any paperwork you have from the complex should state whether or not this is a requirement. If it is, your paperwork should even include an example of how exactly the Certificate of Insurance needs to be filled out.
If you do need this certificate, let 3 Men Movers know when you schedule your move, as we will be sure to have it ready before moving day. If you don’t mention it ahead of time and your property manager asks us for one when we show up, your move could be delayed, as our movers will be barred from entering the building to help you move in or out. Imagine paying a crew of movers to stand on the grass and wait around for a while until the certificate can be obtained. Talk about a waste of time, which is just the worst on moving day!
If you want to know more about the Certificate of Insurance or are ready to schedule your Texas move, contact 3 Men Movers today to get a free quote.