Insurance Claim — Donald McGuinn

Itemized Damages

Summary of all damaged property and associated repair/replacement costs.

Item	Qty	Unit Cost	Subtotal
Gown Cleaning Professional cleaning for soiled/stained bridal gowns	30	$200.00	$6,000.00
Pipe Racks Replacement Industrial pipe garment display racks — broken casters and bent frames	3	$280.00	$840.00
Z Racks Replacement Folding Z-frame garment racks — collapsed and damaged	5	$175.00	$875.00
Total Claim Amount			$7,715.00

Wedding Gowns — Soiling & Staining

30 bridal gowns sustained damage during transport by Miracle Movers on February 22, 2026

Heavy black grease and dirt staining on white and ivory fabric across multiple gowns
Gowns dragged along dirty truck floor, accumulating grime on hems, trains, and bodices
Dresses that remained properly hung on prepared racks were removed by movers and piled loosely
Tulle and veil material soiled with dirt and debris
Lace detailing and beadwork ground into dirty surfaces
Dresses tangled with copper hangers causing potential snags and tears

Gown with heavy soiling piled on truck floor

Gown fabric with grease marks near greenery

Gown with multiple grease marks displayed

Close-up of heavy grease stain on white fabric

Improper Handling & Storage in Transit

Gowns were improperly loaded, tangled with hangers, and mixed with unrelated cargo

Copper hangers tangled and piled on top of delicate gown fabrics
Gowns stuffed alongside wood boards, trash bags, and tools
Movers removed dresses from pipe racks and placed them directly on the dirty truck floor

Hangers tangled with gown fabric on truck floor

Truck interior packed with gowns and cargo

Gown dragging near rack wheel on truck floor

Gown pressed against truck wall and rack

Display Equipment — Broken & Damaged

Pipe racks, Z racks, and display furniture damaged during transport

Industrial pipe clothing rack caster wheels broken and detached — 3 racks affected
Z-frame folding garment racks collapsed and bent — 5 racks affected
Rustic wood display pieces scratched and gouged

Rack base damage with gown caught underneath

Collapsed backdrop frame tangled with gowns

Wood display and pipe rack pressed together in truck

Loading Instructions Provided & Disregarded

Miracle Movers were given explicit instructions on how to properly load the trucks. These instructions were not followed, directly causing the damage documented above.

Instructions Given to Movers

Prior to loading, the moving company was shown the correct method for loading the 26' Penske truck

Movers were shown how to correctly load the 26' Penske truck with racks arranged 4 across and 4 front-to-back, totaling 16 racks
Two additional pipe racks were to be placed horizontally in the very rear of the truck near the door
Items designated for the U-Haul were pre-loaded onto hotel carts, ready to be packed into the truck
All racks were loaded and checked for any hanging dresses prior to being pushed out for transport

What Actually Happened

Miracle Movers disregarded loading instructions, resulting in damage to inventory and equipment

Loading instructions were not followed — fewer racks were placed in the Penske truck than directed
Because fewer racks fit due to improper loading, movers removed dresses from the pipe racks and placed them directly on the floor of the U-Haul
Gowns that remained properly hung and protected on prepared racks were removed by movers and piled loosely on dirty truck surfaces
The failure to follow the provided loading plan directly caused the soiling, staining, and equipment damage documented in this claim

Transport Conditions

Conditions observed upon delivery that contributed to the damage.

! Dresses that remained properly hung on prepared racks were removed by movers and piled loosely during transit
! Gowns stuffed into truck alongside wood boards, trash bags, and tools — no separation of cargo
! Movers removed dresses from racks and placed them directly on dirty truck floor