Question: Does the damage to the floors fall under the same limit of liability as the damaged furniture, or can it be considered separately for insurance claims?

Answer: In a case where there was damage to both a piece of furniture and the floors during a moving service within a house, it does not usually fall under the same liability as the furniture. The limit of liability typically applies to the declared value of the items being moved, calculated by weight. However, floor damage, being part of the property and not a movable item, should be considered separately and is not covered by the shipper's declaration of value and coverage. You should always read the fine print of your service agreement, and default to that prior to making a determination on what damage to the floor would fall under. For next steps, you should send a formal communication to the moving company outlining the issues caused by their representatives/employees, and emphasize the floor damage is not covered by the same liability of the furniture. Additionally, it was recommended to obtain a formal estimate for the floor repairs to strengthen the claim.