Insurance Claims Policy


Claim: Any damage claims must be submitted in written form via email to within 60 days of your moving day. Each claim must include pictures, description of the damages, and how they may have occurred. We promise to thoroughly investigate and resolve all claims within five business days, provided all applicable moving payments have been received. Please note that it is illegal for customers to deduct money from their final bill to compensate themselves for perceived damages. Should our movers not be compensated for their services, we reserve the right not to answer or to refuse to process a claim.

Simulated Wood Furniture: We assume no liability for items made of particle board, engineered wood, or pressboard as these items are made to be shipped flat in a box disassembled. These items are typically built in a manner that cannot withstand the force and movement of an average move. We can and will handle these items with the highest level of care. However, there is no guarantee that the item will move without damage regardless of how it is moved.

Natural Stone & Glass: Items like statues or table tops that are made of marble, granite, alabaster, glass, or any other natural stone or fragile material MUST be crated for us to assume liability. Natural stone items have imperfections that make these items as delicate as glass. For this reason, we must crate these items to properly secure them without risk of damage or crumbling.

Electrical Goods: Our movers are not liable for internal damage to electronic goods if no external damage has been caused. Certain electronics may develop unavoidable faults no matter how carefully they are handled. 

Pre-existing damage: We assume no liability for Items with pre-existing damage. 

Fragile Items: Dishware, porcelain, glasses, pictures, lamp shades, and other specialty items are not covered by our movers insurance unless packed by our professional movers using appropriate packing materials. You are welcome to purchase your own packing materials (packing paper, cartons, tape, etc) and pack such items yourself prior to your move, and our movers will take great precaution to ensure they are transported as safely as possible, but they will not be insured. 

Pole Lamps: We assume no liability for pole lamps with weight at the bottom. These weights are held together with plastic that deteriorates quickly over time and in some cases falls apart upon picking the lamp up.

Boxed Items: All boxed items are considered the client/owner's responsibility. The condition of any item(s) packed by the customer/owner prior to moving is not covered by Sunshine Movers, unless there is clear proof that our movers have caused physical damage to the box itself. It is also the customer’s responsibility to inspect all boxes for physical damage upon their delivery prior to the movers’ departure. Sunshine Movers will not accept any claims of physical damage to boxes after its movers have left their assignment’s delivery location. 

Self-inspection: It is the customer's responsibility, before signing their final receipt prior to the movers leaving, (i) to inspect their belongings to ensure they were delivered in good condition, and (ii) to inspect the truck’s interior to ensure that nothing has been left behind. 

Downtime: All downtime during the move (waiting for elevators to be set up or arrive, for new keys to be delivered, traffic, customer inspecting their belongings upon delivery, etc.) is billable unless otherwise specified.

Valuables: Sunshine Movers shall not be responsible for loss or damage to bills, checks, evidence of debt, letters of credit, passports, tickets, documents, manuscripts, notes, mechanical drawings, securities, currency, money, precious stones, jewelry, or other similar valuables. All customers take full responsibility for moving the above-mentioned valuables themselves. 

Risky Tasks: Our movers will not be held responsible for damage caused by non-routine moving practices, including but not limited to: standing pieces on end to maneuver, sharp turns, over-crowded work areas, crooked stairways, snags and sharp edges in work areas and doorways, passing items over balconies and railings, and tight squeezes. You will be asked to sign a waiver if our movers agree to attempt any non-routine moving request. 

Unavoidable Damages: Weather-related damages, or damages occurring as the result of an item’s size in comparison to the width or height of a hallway, doorway, stairs, elevators, or similar areas are not covered in any way. Our movers can still attempt to move the item in question should you desire, but they will not be responsible for any damages that may occur and will ask you to sign a waiver first. If at any time you then want the crew to stop, say so and they will. 

Absent Customers: We encourage our customers to remain with us throughout the entire move, not least because when we are moving items such as furniture you can then point out any scratches, marks, or dents that we may have missed, or vice versa. If for whatever reason you are not available during your move, or if you need to leave during your move, we will need you to sign a release acknowledging that you accept all of the items in the condition that we bring them to you. Under these circumstances, we will not be responsible for any missing or damaged items, nor will we be held responsible for any items that were not moved. 

Loss of Value: Our insurance does not cover any loss of value due to damage and subsequent repairs. 

Structural Damage: Our liability is limited to up to $250.00 for damage to floors, walls, doors, and painted surfaces unless otherwise noted. 

Limits of Liability: We are not liable for damage to or the loss of a complete set or unit when only part of such a set is damaged or lost. Should such damage occur, we are liable only for the damaged piece or pieces.

No Liability: Our company assumes no liability whatsoever should the client or others assist or interfere in any aspect of moving.  

Plumbing Issues: We are not liable for any plumbing-related issues that may occur during your move. This includes waterlines, washing machines, dish washing machines, waterbeds etc. If you need help disconnecting or reconnecting your appliances, you must hire a licensed plumber who has the proper insurance for this task.


Due to liability concerns, we cannot provide assembling or disassembling services for cribs, water beds, or tanning beds. If you have questions about a specific furniture item, please contact us and we will do our best to help you. 

We cannot mount flat-screen TVs on a wall or hang art/mirrors on the wall, nor can we bolt or unbolt items from walls or ceilings.

We do not connect or disconnect washing machines, drying machines, dishwashers, freezers, or fridges. All appliances must be disconnected and drained prior to our movers’ arrival. 

Please note, according to Workers’ Compensation and employee safety issues, all of our movers must wear shoes at all times. Sunshine Movers cannot be held responsible for soiled carpets or floors due to inclement weather.


Sunshine Movers offers two separate options of coverage for your items while in our care. Please read carefully and feel free to reach out if you have any questions or concerns regarding the coverage for your items.

A.) State Minimum Liability Coverage: State and federal regulations set the minimum coverage of your items to be set at sixty cents per pound. This means your items are valued based on the weight rather than actual value. Your belongings are covered up to $0.60 per pound if damaged. Should an item of 100 lbs be damaged, you are eligible for up to $60 in compensation or repairs.

  1. Sunshine Movers proudly offers free replacement value up to 25% of the total moving cost on all intrastate moves. This protection only applies to moves in which we are able to handle and protect the items we are moving. Rushed or budgeted moves do not apply. EXAMPLE: Your final bill comes to $1200. We would offer up to $300 in free coverage for any damages that may have occurred.


B.) Replacement Value Protection (RVP): RVP is available at additional cost. Under RVP, Sunshine Movers agrees to be liable up to a pre-set amount that represents your estimate of the value of property being moved.

RVP Conditions:

  1. The customer must fill out and submit a value listing for insurance purposes.
  2. The coverage value must be a minimum of $10,000.
  3. The insurance cost amounts to .89 percent (.89 cents per $100) of the declared value: Example: If the customer listed $10,000 as the current replacement value for their items, the insurance charges would be $89 ($10,000 x 0.0089).

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