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But what if I use a company that isn't insured? I'm thinking about hiring a man with a van for my move since I don't have very much stuff and it's just so much more affordable that way. How will the building know that it's a company I hired doing it and not friends or family with a van helping me out? What kind of trouble could I get into? Thanks!
Does your building require that you use the freight elevator and that you reserve it for the day of the move? If so, they will probably ask for the COI before letting you use the elevator,
If your building requires a move in/ move out deposit, you could end up losing it.
Also, they will hold you personally responsible for any damage.
Depending on your building they could basically keep the outside person from entering the building. that COI is there to protect the building from damage. Are we talking about a rental or a condo/coop?
Normally the move in/out deposit is small because the COI is covering any damage to the building. My guess is that if it is a doorman building they know who is allowed access as there is a list and they will stop.
You could also ask how to get covered if you decide to move with a friend's help.
The management office said that it's fine if I were to move myself but if I were to hire movers then they would need to have a COI on file.
ph41 - Yes, they would. And I didn't think of that at all, thanks!
sma10022 - I see, thanks.
Mikev - Rental in a co-op.
Boo, I'm thinking it's just too risky and I'll just have to pay double+ the price for an insured company.
Assuming it is doorman it is not worth the risk. When I had to move into temp housing last year I ended up at a rental building. Because a lot of things done last minute I was never told that I needed a COI to have the movers drop off a few boxes while the rest of my stuff went to storage. I had to at the last minute get a COI for the building for them to take one load of boxes in an elevator. luckily i was using a mover that could get this done on the spot.
To me it is not wort the risk because even worse you are a renter in someone else's building where they probably are less likely to give you a pass.
My building's doormen are instructed not to allow movers (or other delivery people for furniture and such) in without word from the managing agent that they have received a COI naming the building and managing agent as additional insureds. They are very strict about this and do not make exceptions. More than once I have seen people in the lobby complaining to the doorman and the doormen simply will not budge and will not allow delivery people in without a COI. As an owner, I am actually happy about this - it makes sure if there is any damage to the building that it will be repaired. If you go with a big moving company, they will be able to get the COI in a matter of minutes as most better buildings in the city require this. All I had to do is send my movers the requirements (and managing agent gave me a one pager with what was required) and the movers dealt with the managing agent on the paperwork. If you are using a "man with a van" it's probably a lot more difficult (or at least time consuming).