Damage, Loss & Liability Policy
Effective Date: 11/2025
Applies to all services provided by Move Like Ninjas™ within Arizona.
1. Valuation (Not Insurance)
Move Like Ninjas™ provides valuation coverage — not consumer insurance.
Valuation determines the maximum compensation for loss or damage.
| Coverage Type | Cost | Rate | Maximum Payout |
|---|---|---|---|
| Basic Valuation | Included | $0.60 per lb | $50,000 |
| Premium Valuation | $50 | $2.25 per lb | $50,000 |
Coverage applies only to items we handle directly.
2. Damage Reporting Deadline
To file a claim, customer must notify Move Like Ninjas™ within 24 hours of service completion and provide:
📸 Photos of damage
📄 Item description + weight estimate
🗒️ Summary of condition before & after
📍 Location where damage occurred
📎 Proof if premium valuation was purchased
Claims submitted late, without proof, or without required info are automatically denied.
3. Repair-First Requirement
We do not issue monetary payouts before attempting repair.
If damage is confirmed and attributable to mover negligence:
- Repair or restoration is attempted first
- If repair is not possible → valuation payout applies
- Payout is limited to valuation amount (not replacement retail value)
No refunds or service fee reversals are issued as compensation.
4. What Is & Isn’t Covered
✔ Covered When Proven Due to Gross Negligence
- Dropped items
- Ripped or torn upholstery
- Major dents/scratches caused by improper handling
- Damage clearly caused by crew action
❗ Not Covered Under Any Condition
- Pre-existing damage or loose structural build
- Particle board or compressed wood failure
- Customer-packed boxes (unknown internal conditions)
- Electronics with no external visible damage
- Untaped/poorly packed items
- Damage from improper furniture design or weight imbalance
- Items over declared weight limit
If an item breaks because it is weak, old, unstable, poorly assembled, cheap material or overweight — liability does not apply.
5. High-Risk Item Waiver
Customer understands transport of the following is at owner risk:
- Glass/fragile furniture panels
- Mirrors without solid protection
- Large TVs not factory packaged
- Antiques, art, collectibles
- Musical instruments
- Stone, marble, granite pieces
We recommend owner-transport for irreplaceable or sensitive items.
6. Weight Limits & Non-Movable Items
No item over 400 lbs for a standard 2-man crew
No load over 800 lbs total
We do not move:
- Firearms/ammunition
- Hazardous/flammable materials
- Live animals or plants
- Jewelry, cash, documents (birth certificates, SS cards, passports)
- Meds or controlled substances
Customer must disclose item weights and building access conditions in advance.
7. Customer Responsibility During Move
Customer must:
- Keep children/pets away from work areas
- Provide safe pathways, clear access, and parking
- Remove loose drawers, shelves, and fragile components
- Disconnect utilities before appliance handling
Refusal to follow safety guidelines voids liability coverage.
8. Final Decision Authority
Move Like Ninjas™ has sole discretion to approve or deny claims based on:
- Evidence
- Weight
- Condition reports
- Photo review
- Staff reports
- Customer compliance with terms
Our liability cannot exceed valuation coverage amount.
9. Agreement to Terms
By hiring Move Like Ninjas™, paying a deposit, or receiving service —
Customer acknowledges acceptance of this entire policy.