The Home Team Protection Plan
The Home Team will provide you with the opportunity to protect your personal property, as well as your structural property, such as your house or apartment, during a Third Party Provider job (the “The Home Team Protection Plan”). The Home Team will reimburse you for damage to your items of personal property that occurs during a Third Party Provider job depending on the valuation coverage option selected by you. You will indicate which valuation coverage option you desire by either selecting the appropriately labeled box located in the checkout process on the website, or by choosing your preferred coverage option over the phone with a customer service representative during the booking process. Please note that you will not be deemed to have selected a particular valuation coverage option solely by agreeing to these Terms. The Home Team Protection Plan is being offered to you solely in order to effectuate your Third Party Provider job. THIS PROTECTION OFFERED BY THE HOME TEAM IS A LEVEL OF CARRIER LIABILITY – IT IS NOT INSURANCE.
The Home Team shall include, free of charge, limited valuation coverage for all moves where The Home Team provided and operated transportation. Under the included limited valuation coverage, The Home Team shall assume liability on your personal property items of up to .60 cents per pound per item damaged (the “Limited Valuation Coverage”). Please note that under the Limited Valuation Coverage, claims are settled based on the weight of the item. For example, if a 10-pound vase, valued at $300, were damaged, The Home Team would be liable for no more than $6.00 (10 pounds multiplied by .60 cents).
In addition to the Limited Valuation Coverage provided by The Home Team, you will be provided with another separate option to purchase limited additional valuation coverage. Limited additional valuation coverage is available for purchase on all The Home Team moves, regardless of transportation. You have the option to purchase limited additional valuation coverage for $25 (“Limited Additional Protection”). Limited Additional Protection may be added or removed up to the day before your move date.
PLEASE BE AWARE THAT NO MATTER THE TOTAL VALUE OF YOUR JOB OR ANY INDIVIDUAL ITEM(S) CONTAINED IN SUCH JOB, OR THE NUMBER OF ITEMS CONTAINED IN YOUR JOB, THE HOME TEAM’S MAXIMUM REIMBURSEMENT TO YOU FOR DAMAGE IS $0 UNLESS YOU PURCHASE LIMITED ADDITIONAL PROTECTION. IN THE EVENT THAT YOUR JOB INCLUDED TRANSPORTATION PROVIDED AND OPERATED BY THE HOME TEAM, THE HOME TEAM’S MAXIMUM REIMBURSEMENT TO YOU FOR DAMAGE IS $0.60/LB/ITEM UNLESS YOU PURCHASE LIMITED ADDITIONAL PROTECTION.
Under Limited Additional Protection, if items or structural property are damaged or destroyed, The Home Team will, in its sole discretion, either: (i) repair the item to the extent necessary to restore the item to the same condition it was when it was received by The Home Team, (ii) replace the item with an item of like kind and quality, or (iii) pay you a cash settlement for the repairs or for replacement of the item. The cash settlement to replace such items shall be equal to the fair market value of such items, regardless of the age of the damaged item.
The maximum payout under The Home Team’s limited additional protection is no greater than $2,500. This means in the instance of structural or property damage, The Home Team will pay out a maximum of $2,500. Your election to add Limited Additional Protection for a Third Party Provider job is entirely optional. You have the option of obtaining other additional protection from an alternative source or obtaining none at all.
Whether or not you purchase Limited Additional Protection, the declared value for any job is not insurance coverage by The Home Team but represents The Home Team’s maximum obligation to you for damage to all items collectively contained within your Third Party Provider job. If you are booking a Third Party Provider job for items with a total value exceeding $0.60/lb/item, you are encouraged to purchase Llimited Additional Protection. If you choose not to purchase Limited Additional Protection, you do so at your own risk.
If you elect to take advantage of this opportunity to add Limited Additional Protection under The Home Team Protection Plan, any claims against or disputes with any person or entity arising out of that election MUST be pursued in arbitration, not in any court proceeding, and MUST be pursued on an individual basis only, not in any form of class or representative action. Please see the Dispute Resolution and Arbitration section located in these Terms for the complete terms and conditions regarding individual binding arbitration.
Filing a Claim
If an item of personal property, structural property, or an item belonging to another individual is damaged during the extent of a Third Party Provider job, you can submit a claim with clear descriptions of the circumstances that led to the damage along with pictures. You will receive a follow up e-mail from The Home Team. That e-mail will contain a link, providing you the opportunity to submit a claim. You may also submit claim request to firstname.lastname@example.org. All claims must be submitted within 30 days of the date of the move the damage originated and it will go through the claims process. Only the individual that booked the job may file a claim.
When submitting a claim to The Home Team’s Quality Team, all claims for damages must be included in the original claim. Separate claims will not be accepted. The claims process may include communicating with the Third Party Provider in order to settle any disputes. The Home Team reserves the right to end a damage claim as is after 15 or more days have passed since the start of the claims process with the Quality Team. Claims for items that were boxed and packed by anyone other than the Third Party Provider will not be accepted.
Proof of Value
You must prove the value of the item(s) in your claim, regardless of which valuation coverage option you have selected. The Home Team will not pay on a claim without proof of the declared value. You must also provide documentation that verifies the replacement or repair cost of the item subject to the claim.
Replacement is defined as the lower of the purchase price paid for the item that is the subject of the claim or the replacement cost of the item at the time and place of damage. Repair is defined as the cost of repairing the damaged item. The Home Team reserves the right to have a qualified third-party provider of its choice execute a repair quote/evaluation for any claim made. In the event that The Home Team does not have a preferred third-party provider in your area, you must provide a third-party repair quote/evaluation from a qualified repair facility. If the third-party deems the merchandise is un-repairable, the actual or replacement value will be paid up to The Home Team’s maximum liability under the valuation coverage option you have selected. You must submit all repair quotes as part of the claims process. While The Home Team may pay the cost of repair, under certain circumstances it may be your responsibility to have the item repaired.
In the event of damage to a pair or set of items, The Home Team’s liability is limited to the value of that part of the pair or set that is damaged, and The Home Team shall not be liable for the value of the whole pair or set. In the event of damage to any part of an item (including any part of a machine) that, when complete for sale or use, consists of several parts, The Home Team shall be liable only for the value of the part damaged, not to exceed the declared value of the part damaged. In no event shall The Home Team be liable for the value of the complete item.
Under any of the valuation coverage options described above, The Home Team is permitted to limit its liability for items that have an extraordinary value, unless you specifically disclose those items to The Home Team before the move occurs. An item of extraordinary value is any item whose value exceeds $100 per pound. Also, The Home Team does not move pianos, organs, gun safes, pool tables, china cabinets, antiques, exercise equipment, stoves, refrigerators, washers, dryers or anything irreplaceable, highly valuable, potentially dangerous or any item with a weight greater than 75 lbs/per individual moving the item. You acknowledge that if The Home Team moves one of the items listed in the immediately preceding sentence, whether accidentally or intentionally, The Home Team WILL NOT PAY ANY CLAIM OR OTHERWISE BE LIABLE IN ANY MANNER WITH RESPECT TO SUCH ITEMS. Additionally, The Home Team does not install or uninstall washers, dryers, dishwashers, ice machines, water coolers, refrigerators and electrical equipment. You acknowledge that if The Home Team installs or uninstalls one of the items listed in the immediately preceding sentence, whether accidentally or intentionally, The Home Team WILL NOT PAY ANY CLAIM OR OTHERWISE BE LIABLE IN ANY MANNER WITH RESPECT TO SUCH ITEMS.