Complete Guide to Documenting Valuables Before and After Your Move
Proper documentation of high-value items is essential for successful claims under Full Value Protection coverage. Items worth over $100 per pound (jewelry, antiques, fine art, electronics) must be listed separately on your mover’s High Value Inventory Form before packing, and you must still provide proof of value through receipts, appraisals, and photos.
What Qualifies as a High-Value Item?
Check with your specific moving company to determine their exact definition and procedure.
Step-by-Step Documentation Process
1. Pre-Move Documentation (Before Packing Day)
High Value Inventory Form Requirements
Must be completed BEFORE packing/loading day:
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List every high-value item separately on the mover’s official form
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Include detailed descriptions (make, model, material, color, distinguishing features)
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Record serial numbers or unique identifiers
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Document purchase date and price
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Note current estimated replacement value
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Specify where stored in your home
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Sign jointly with the mover before items are moved
For collections: Group items together (e.g., “20 Hummels,” “75 Barbies”)
Photograph Everything Thoroughly
Take multiple photos from different angles:
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Capture serial numbers, maker’s marks, hallmarks
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Photograph items in context (where displayed/stored)
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Include close-ups showing condition and unique features
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Use good lighting for clarity
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Document multiple angles of each item
Video Documentation
Record a video walking through your home:
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Verbally describe each item and estimated value
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Include items in garage, basement, storage areas
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Capture all high-value possessions systematically
Gather Supporting Documents
Collect and store copies of:
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Original purchase receipts or invoices
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Certificates of authenticity (art, jewelry)
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Bank/credit card statements showing purchases (if no receipts)
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Warranties and user manuals (electronics, appliances)
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Professional appraisals (essential for unique items)
Get Professional Appraisals
Required for:
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Jewelry
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Antiques
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Fine art collections
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Unique or rare items
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Collections worth significant amounts
Why appraisals matter:
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Establish current market value (not purchase price)
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Provide proof of worth to insurers/movers
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Maintain documentation for homeowners/renters insurance
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Prevent claims disputes
2. During the Move (Loading & Delivery)
Pre-Load Verification
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Mover checks high-value items against inventory form
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Mover may refuse improperly packed items or request repacking
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Both you and mover sign the form confirming items loaded safely
Post-Delivery Recheck
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Mover and customer recheck high-value items upon arrival
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Sign the form again confirming goods moved without damage
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Document any issues immediately before leaving the delivery location
3. Post-Move Documentation (For Claims)
If Damage Occurs
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Document the damage with photos immediately
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Create detailed written description of damage
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Gather all pre-move documentation (receipts, appraisals, photos)
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Submit claim with proof of value (inventory form alone is NOT proof of value)
Complete Documentation Checklist
Essential Documents for Each High-Value Item
Critical Requirements for Full Value Protection Claims
Mandatory Conditions
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List items on High Value Inventory Form before packing day
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Without this form, mover’s liability may be much less than true value
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Purchase Full Replacement Value coverage
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Simply listing items does NOT constitute coverage
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Must buy Full Value Protection separately (5-6% of shipment weight)
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Provide proof of value for claimed amounts
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Inventory form alone is NOT proof of value
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Must submit receipts, appraisals, or other documentation
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Compensation Methods Under Full Value Protection
Movers must choose one of three options:
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Repair item to original condition
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Replace with comparable item
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Cash settlement at current market value (depreciated, not purchase price)
Secure Storage of Documentation
Multi-Location Storage Strategy
Why multiple locations?
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Prevents complete loss if home is damaged
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Ensures accessibility when you need documentation most
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Allows trusted person to access if you’re unavailable
Common Documentation Mistakes to Avoid
Timeline for Documentation
BEFORE MOVE (3-6 months prior):
├── Create detailed home inventory
├── Get professional appraisals for valuables
├── Take photos/videos of all high-value items
├── Gather receipts, certificates, warranties
├── Store documentation in multiple locations
BEFORE PACKING DAY:
├── Complete mover's High Value Inventory Form
├── Sign form jointly with mover
├── Verify proper packing of high-value items
MOVE DAY (Loading):
├── Mover checks items against inventory
├── Both parties sign form confirming load
DELIVERY DAY:
├── Recheck high-value items
├── Sign form confirming no damage
├── Document damage immediately if present
IF CLAIM NECESSARY:
├── Submit claim with all documentation
├── Include: inventory form + photos + receipts + appraisals
├── Expect repair, replacement, or cash settlement [web:22]
Proper documentation before your move is the single most important factor in claim success. Without receipts, appraisals, and photos, even items listed on the High Value Inventory Form may result in reduced compensation or denied claims.