> Hanover ... did agree, on the basis of the photos, to pay a reasonable amount for the damage to cargo.

> I’m still unhappy with Flat Rate: they charged me a good deal of money for services they failed to deliver, and never paid for damage to the house.

The moving company also failed to provide contracted and paid for services, as acknowledged* by a company representative. The poster is thus owed a refund from the company in addition to the insurance payment, which covered damages.

* "Their representive apologized and acknowledged that a crew of two was insufficient"..."they charged me a good deal of money for services they failed to deliver"