When it comes time to move into your new home, it is likely that no matter how careful your movers are you will still have a lost or damaged item. So what should you do if a box of belongings arrives in pieces -- or just fails to materialize? Here are some tips for what to do if a moving company damages property or loses something of yours.

1.Be sure to read the Bill of Lading carefully.  This contains the terms of your agreement with specifics such as information on the type of liability you and your mover agreed upon. By law all companies are required to insure their cargo at a rate of up to 60 cents per pound. However that means small high value items will only be replaced for 60 cents.

2. Address any obvious damages or loss. It is vital that you review your inventory and make sure that everything has been accounted for and is not damaged beofre you sign anything.   If you do notice any damages or missing items before make sure to alert them of any issues and make a note on the inventory sheet or Bill of Lading. It is recommended to not accept any offer made by the company to settle on the spot as you may end up underestimating the damages.

3. Know your rights.  According to The Federal Motor Carrier Safety Administration, which regulates moving companies, they indicate that "Movers are prohibited from having you sign a receipt which relieves the mover from all liability for loss or damage to the shipment.  Make re to NOT sign any receipt which does not indicate thatprovide that you are signing for your shipment in apparent good condition except as noted on the shipping documents." If you've made a note on your contract about concealed damages, that last bit will keep you covered. However, even if you have a claim, you are still responsible for paying for the move in a timely fashion.

4. If you suffer a lost, file a claim. You have to file a claim within nine months of the date of service. Contact the movers via certified mail, informing the movers of the damage and requesting a claim form. Be sure to keep a copy of your inventory sheet handy, along with any photos or videos that can support your claim. If the movers are not in contact about your within 30 days or if they refuse to recoup your loss, you may want to file a complaint with the Better Business Bureau or even take your case to small claims court.

5. Invest in moving insurance. Even before you sign a contract with a mover, research your options for moving insurance.  This type of insurance will insure your possessions in the event of a damage or loss, or for a catastrophe occurrence.  Check with your current renter or homeowners insurance company to see what might be covered from your current policy as well.