Home delivery has become increasingly popular and convenient in recent years. With the rise of online shopping and food delivery services, consumers can have products and meals delivered right to their doorstep. While this offers many benefits, there is also the potential for property damage caused by delivery drivers. It's important for both consumers and delivery companies to be aware of the common causes of property damage during delivery and how to address them.

For example, a homeowner in Durham experienced property damage when a Grubhub driver backed into his wall while attempting to deliver an order to his neighbor. The driver did not provide any information or insurance details, and Grubhub initially denied responsibility. Another viewer in Sanford had to involve the media before Amazon paid for the repair of a mailbox damaged by their driver. These cases highlight the need for clear policies and procedures to handle property damage during delivery.

Responsibility for Property Damage

Delivery companies are often responsible for covering the cost of property damage caused by their drivers. However, this is not always the case. In some instances, companies may initially deny responsibility and it becomes necessary for the affected party to take action. For example, a claim may need to be filed against the driver's insurance policy before the company's policy will cover the damage.

One such case involved the Grubhub driver mentioned earlier. Grubhub, when contacted by the media, stated that they require all delivery partners to have insurance and have a zero-tolerance policy for misconduct. The driver in question was terminated, and Grubhub ultimately paid $7,500 to repair the homeowner's wall. It's important for consumers to be aware of their rights and options if a delivery driver causes damage to their property.

When it comes to responsibility for property damage during delivery, it's crucial to understand the legalities involved. In most cases, delivery companies have liability insurance that covers property damage caused by their drivers. However, there may be situations where the driver's personal insurance is responsible for the damages. This is why it's important for consumers to gather as much information as possible at the time of the incident, such as the driver's name, license plate number, and insurance details. This information will be crucial when filing a claim and seeking compensation for the property damage.

Insurance Coverage for Delivery Drivers

One of the challenges in addressing property damage during delivery is the lack of proper insurance coverage for many delivery drivers. Personal auto insurance policies typically do not cover delivery business use, leaving drivers vulnerable in the event of an accident or property damage. State Farm, for example, does not insure delivery drivers using personal vehicles.

However, there are companies that require delivery partners to have insurance. Grubhub, as mentioned earlier, has a policy in place requiring all delivery partners to have insurance coverage. This helps protect both the driver and the consumer in the event of an accident or property damage. Additionally, some insurers are starting to offer coverage that can be added to personal policies to ensure delivery drivers have the right insurance.

It's important for delivery companies to prioritize the insurance coverage of their drivers. By ensuring that all drivers have appropriate insurance, companies can mitigate potential legal and financial risks associated with property damage during delivery. This not only protects the company's reputation but also provides peace of mind to both drivers and customers.

What to Do If Your Property Is Damaged

If a delivery driver causes damage to your property, it's important to take certain steps to protect your interests. First and foremost, document the damage and gather evidence. Take photos or videos of the damage, and collect any relevant information such as the driver's name, license plate number, and insurance details if available.

Next, contact the delivery company or driver's insurance to file a claim. Provide them with all the necessary information and evidence to support your claim. If necessary, seek legal advice to ensure your rights are protected. It's important to act promptly and assertively to ensure you receive the compensation you deserve for the property damage.

Here are some additional steps you can take if your property is damaged during delivery:

  • Contact the delivery company's customer service department and explain the situation in detail.
  • Keep all receipts and invoices related to the repair or replacement of the damaged property.
  • If the delivery company does not respond or refuses to take responsibility, consider filing a complaint with your local consumer protection agency or small claims court.
  • Document any additional costs or inconveniences caused by the property damage, such as the need to rent temporary accommodations or the loss of use of certain areas of your property.

Minimizing the Risk of Property Damage

While consumers can't control the actions of delivery drivers, there are steps they can take to minimize the risk of property damage during delivery. One important step is to provide clear shipping information. Make sure your address is accurate and easy to find, and provide any special instructions if needed.

Using tracking systems can also help monitor the delivery process and allow you to anticipate when the driver will arrive. This can help you be prepared and ensure someone is available to receive the delivery. Additionally, it's important to communicate with the delivery company or driver if you have any concerns or specific requirements.

Here are some additional tips to minimize the risk of property damage during delivery:

  • Ensure that there is sufficient space for the delivery vehicle to maneuver and park safely.
  • Remove any obstacles or hazards from the delivery path, such as loose branches or debris.
  • Consider installing security cameras or outdoor lighting to deter potential accidents or misconduct.
  • If you have valuable or fragile items, consider requesting additional packaging or special handling instructions.


Home delivery offers convenience and ease for consumers, but it also comes with the risk of property damage. It's important for both consumers and delivery companies to understand their rights and responsibilities when it comes to property damage during delivery. By taking appropriate steps to address and minimize the risk of property damage, we can ensure a smooth and hassle-free delivery experience for everyone involved.