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Jewish World Review July 22, 2008 / 19 Tamuz 5768 How to move it without losing it By Vicki Lee Parker http://www.JewishWorldReview.com | (MCT) Few of us move often enough to become proficient at it. So if you're one of the millions of people who will move this summer, it's important to bone up on the do's and don'ts of choosing a moving company. The more you know about your rights -- and the better you plan your move - the fewer problems you will have along the way. Start by finding a moving company that has received a certificate from the state. Certification assures that the company has insurance and that its rates are capped by the state. If a company has that certificate, a consumer can have confidence of its ability. Next, get several cost estimates. To get the most accurate estimates, know what items you are planning to move. Remember to mention stairs and other potential obstacles and any hard-to-move items, like a plasma TV or piano. There are three types of estimates you can get. One is a phone estimate, a nonbinding amount that is subject to change. The second is a binding-guaranteed estimate; this will be the amount you pay. The third is a binding not-to-exceed estimate. This is the more popular one, Stahl said. This puts a cap on the payment. The actual cost can be less but not more than the estimate. You'll also want damage coverage. There are two main types. The first is basic, or the coverage included in the quoted price. That amount is 60 cents per pound. So if the mover breaks your $1,000 glass table that weighs 100 pounds, you will only get $60. The other type of coverage is full-value protection and costs more. Companies calculate this based on the weight of your shipment. They multiply the weight by $4 to get the estimated value. Then they charge 75 cents per $100 in value. So if your load weighs 10,000 pounds, the shipment is valued at $40,000 and you will pay $300 for coverage. You can also declare that your shipment is worth more, and pay more. Many people are confused about who is responsible for damaged items when the customer packs. Here's the rule: Typically, the moving company is not responsible for damages if the customer does the packing. The exception is if the exterior of the box is damaged. In that case, the customer and the mover must open the box together and inspect the goods. If the item is damaged, the mover is liable. If the mover packs, the consumer has nine months to make a damage claim. Some other things to keep in mind: Ask for a bill of lading. This is written contract that lists the terms and condition of your move. Get the pickup and delivery dates in writing. Complete a written inventory of your belongings. If possible, take pictures or video of special items. You should consider separately transporting family photos, important documents, family heirlooms, your computer hard drive and other valued items. Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. Vicki Lee Parker is a columnist for The News & Observer. Comment by clicking here. Previously: Want a free laptop? I'm still waiting Put an escape hatch in your travel plans Put up or shut up for card companies Don't fall for rebate check scams Recall agency needs help Account can help you save Gift refund made him feel cheated 7 gifts to build wealth Dump your bank escrow account, earn some interest Enticing e-mail may lead to viruses, ID theft, malware Ask to receive discounts Learn from a con man Nitrogen: pricey way to keep tires pumped Buying private health coverage Better Business Bureau ramps up Two beeps, one item: Listen for overcharges Recalls: What to do next Do your homework before home repairs To tip or skip it: Gratuity must be earned Advice is free, if you look Hire a cleaner who won't clean you out Teach children smart money tips that will keep them busy all summer long Warning: Don't trust the ATM Reasons to beware of ‘We Buy Homes’ Too wise to fall for a scam Untethering cell phone from carrier Re-check your credit card rewards Treasure might be buried in medical bills Tax-time saving tip: Free filing is available College money is waiting; don't procrastinate Extended warranties rarely worthwhile Too busy for tax planning? It'll cost you © 2007, The News & Observer Distributed by McClatchy-Tribune Information Services

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