PCS, Uncategorized

To Claim or Not To Claim?!

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So we did it.  We made it from Fort Campbell to Dallas.  The moving truck came and went.  The movers were not particularly confidence inspiring, but to be honest we have only had one set of movers that we believed in.

Having my stuff boxed up is never that big a deal to me.  I always set aside the super important stuff so that we can deal with that ourselves. Watching movers load and unload the truck is a whole different story.  That sends my anxiety through the roof.  The massive game of Tetris they play with my belongings makes me want to throw up.

There are some items that never make it through… Ever.  Backyard Grill? HA! King Sized box spring, yea right! Then there are other things that you have to wonder if they were TRYING to mess it up… 1200 LB gun safe that’s rated to withstand the apocalypse?! Thompson Movers can dent it, Just give ’em a week!

When we first started this little military journey of ours, we only claimed major issues.  Seriously damaged furniture, multiple broken dishes etc.  Over time we realized that most of the time things don’t get seriously damaged.  They get scuffed, nicked, rubbed or chipped.  We weren’t necessarily going to run right out and replace everything, but if we continued down the path we were on we would find ourselves surrounded by shabby belongings without the monetary means to replace them.  That’s when we started to claim damn. near. everything.  If it cost us more than $20 dollars and it was damaged in any way, we claim it.

At first it seemed insane.  Do we really need to claim the cowboy hat that no one has worn in 7 years?!  We had to research the brand and validate the cost we were requesting.  Back in the day that was really all we had to do.  Prove it cost as much as we said and send pictures that it was messed up.  Now its a much longer process.  They send someone out to the house to check on any larger items that you claim (furniture, tools, purses etc) to validate that they need to be replaced and not just repaired.  You’ll still get compensated if a repair needs to be made, but they will research repair shops  and only give you the amount it would cost to fix it.  That whole process can take up to 2 months from the day you first complete the online claim form.

Yes, it takes a long time.  But it doesn’t really take much effort.  Once you file your initial claim and submit your substantiated documentation (receipts, current cost at retailer etc) there is really no effort on your end.  It can mean the difference between hundreds (or THOUSANDS) of dollars in your pocket.