Claims must be submitted in writing to Anthem Claim Management for claim processing.  Per Federal Law, Anthem Claim Management has 30 days to acknowledge receipt of a claim. Anthem will provide the claimant with a disposition of the claim within 120 days. Most claims are processed by Anthem Claim Management within 60 days of receipt.

What do you need to include with your claim

CLAIM FORMS: Claims forms may be obtained forms may be downloaded from this site or they can be mailed or emailed to you. Claims forms should be completely filled out and should accurately reflect and describe the items you are claiming.

MOVING DOCUMENTS: Typically a legible copy of your Bill of lading and your Descriptive Inventory are required for most claims. If they are available please submit copies of your Bill of Lading and the Descriptive Inventory  which you signed at the time your shipment was delivered.

OTHER DOCUMENTS: if necessary you may submit additional information in support of your claim.

PICTURES OF DAMAGE:

 

 

Your claim must be sent via the US Postal Service. Once we receive your claim it is entered in our computer database system and a file is created. We check the submitted claim for completeness. A claim is not considered submitted unless all the elements constituting a claim are present – a letter describing specifically what was damaged or lost; a copy of the move documents; pictures of the damaged items.

If your claim is not complete we send you a notice (via email or mail) of what items are still needed for your claim. Your file is posted in our computer system as PENDING until we receive the missing information.

If You Insured Your Move

If you insured your move with a third party insurance company or through your homeowners policy, contact them first. They will process your claim and get with us after settling with you.

Processing Your Claim

Once we receive a complete claim we notify you that the claim has been received. We use the United States Postal Date Stamp to date your claim start date. The claim then goes to our certified adjusters for review. The adjusters look at your contract to see at what valuation you released your shipment.

Valuation Is Not Insurance!

Your moving company cannot issue you insurance! They are however obliged by their tariffs to provide two valuation options.

Full Replacement Value which asks the shipper to set a valuation on their entire shipment and then, based on weight, assigns a value per pound. This has deductibles and the carrier can charge based on their tariff.

Limited Liability is the second basic option offering valuation of $0.60 cents per pound per article – there is no cost for this coverage.

Claims Adjustor Review

The adjuster reviews your claim and compares it to the REMARKS/EXCEPTIONS made by you on the Household Goods Descriptive Inventory List (local moves do not
generally have an Inventory List. Remarks can be made separately on the Bill of Lading). They compare this list with the pictures of the damaged items. They also look for items declared as “extraordinary value” such as paintings or jewelry. These items must be declared on a separate inventory list called “Items of Extraordinary Value” and must have been filled out prior to moving.

Release and Settlement of Claim

Once the adjuster determines the claim settlement amount, a letter is sent out to you. The letter contains an explanation of how the claim was adjusted and a “Release and Settlement of Claim” form. This form shows the amount of the claim and the conditions of accepting the claim. All that is required is your notarized signature. Once you mail this form back to us, we record it in your file and forward it on to your moving company for payment.

Settlement Check

Please remember, we are a third party claims company. We do not issue your check – your contract is with the moving company and they must issue you a check.

Explanation of Valuation

For a more detailed explanation of valuation click visit the Federal Motor Carrier Safety Administration.