When a Cape Cod woman shipped a valuable table across the country, she thought she was covered in the event of any damage.
Carol Hamblet Adams paid almost $5,000 to ship the table and a couple of other items to her daughter in Seattle last year, including an expensive, heavy, onyx table her late husband bought.
When it was crated for the move, the packers documented cracking on the underside of it, but when it arrived in Seattle, the tabletop was damaged. “If you take out an insurance policy, I thought that entitles you to fix the table or to replace it,” said Hamblet Adams. “But they were telling me that it would have happened anyway and therefore I was not entitled to the insurance money.”
IRMI recommends consumers seek advice from their homeowner’s insurance agent prior to shipping anything important or valuable, and consider adding a floater policy for those items for broader coverage.
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