I hired a moving company to move my furniture from one apartment to another.
While unloading a coffee table, one of the movers stacked a stone sculpture on top of the coffee table. This caused the coffee table glass to crack and shatter. I have pictures of this.
I immediately (the next business day) got an estimate to replace the glass and filed a claim with the moving company's insurance. The estimate for the glass replacement is $490.
The moving company's insurance responded with an offer of $45. They claim that this is standard policy, and claims against them are governed by Federal law (US). I have 21 days to accept their offer or I get nothing.
The coffee table was purchased new for $800, 4 years ago. I understand there may be depreciation, so I'm not expecting full replacement value. I'm wondering if I can get a claim against the movers in small claims court to make up the difference?
If it matters: This is in Colorado.