I put things into storage several years ago, although they were to only be there a short while. Based on long letters in my file, I see that the initial move was a bit contentious. The move was split--part into long-term storage, and part into a house 150 miles away. That move turned out to be several thousand dollars which I believe was much more than I had anticipated.
Fast forward to several years later when I got the long-term out of storage and moved into a house. The movers were nice young men, although they failed to give me the check-off sheet until they were leaving, hurriedly trying to beat impending rain. I later realized that items are missing (e.g., lots of glassware, all recipe boxes full of my family recipes, a dolly, etc.).
When I called about creating a claim, I was met with an adversarial rather than a helpful attitude. I had paid for full-value insurance all these years, but I learned that because we did not check off the sheet, I was not covered for the missing items. A claim form was emailed to me, and it said to add accompanying info, such as quotes. I obtained quotes to repair (several thousands of dollars of damage), and went ahead and got them repaired, thinking the quote was what Mee's wanted. When I phoned prior to submitting the claim form, I was told they would not cover anything already repaired, saying someone needed to come out to look at the damaged items. I put in a claim for the remaining items that I had not yet repaired--their insurance company was nice to work with, but did not come out to assess damage. They did promptly pay for the remaining damaged-but-unrepaired items, but not the already-repaired items, or the missing items. There was no mouse damage or anything like that, which was nice.