Learn How To Claim a USPS Insurance Claim Fast

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A Step-By-Step Guide to Filing a USPS Insurance Claim

If your insured United States Postal Service shipment is lost or damaged, you can file a USPS insurance claim. DoNotPay can help you claim USPS insurance and get your money fast. Besides assisting you in filing an insurance claim, our platform can also help you request a USPS refund and file your USPS FOIA request.

About the USPS Insurance

To protect your USPS shipment, you should consider purchasing USPS insurance. You can buy it online or at the closest post office.

Standard Shipping insurance allows you to protect most items for up to $5,000 and get reimbursement if the items get lost or damaged. If your shipment is insured for over $500, the recipient will probably have to show his or her ID when receiving mail (Insurance Restricted Delivery).

The following items are covered automatically since the price of postage also includes insurance:

Automatically Insured ItemsCoverageLimits
Priority Mail ExpressUp to $100
  • $100 for document reconstruction
  • $100 for merchandise
  • $15 for cash
Priority MailUp to $100
  • Merchandise only
  • $100 when you buy the postage through Permit Imprint submitted by:
    • MMS
    • eVS
    • ePostage
    • PC Postage
  • $50 when you buy the postage through:
    • Retail
    • PC Postage (Commercial Base)
    • Package intercept
    • Click-N-Ship
    • Meters

You can purchase additional coverage if the item’s value is higher than $100 but lower than $5,000. Additional insurance is available for merchandise only.

Which Items Are Eligible for Insurance?

Here’s an overview of the items that are eligible for insurance and those that aren’t:

Eligible ItemsIneligible Items
  • Priority Mail
  • Priority Mail Express
  • First-Class Mail (merchandise only)
  • First-Class Package Service-Commercial
  • USPS Marketing Mail
  • Parcel Select Lightweight parcels
  • USPS Retail Ground
  • Parcel Select pieces
  • Package Services:
    • Library Mail
    • Media Mail
    • Bound Printed Matter
  • Official government mail endorsed Postage and Fees Paid
  • Items that are too fragile
  • Packages containing products offered for sale sent to recipients who haven’t ordered it
  • Perishable or prohibited articles
  • Mail or packages without the sender’s and recipient’s complete name and address
  • First-Class Mail and Priority Mail correspondence
  • USPS Marketing Mail

Post Office Insurance Claim Fees

If you want to purchase USPS insurance, you’ll need to pay fees with your postage. The amount you need to pay depends on the declared value of the item in question. You can check out the USPS pricing page to find out more about the fees.

In case your item is insured for over $500, you will have to pay $5.30 for the Insurance Restricted Delivery fee.

You can purchase the USPS insurance for international shipments as well. The International Insurance section of the USPS pricing page has all info you need regarding the fees.

How To File an Insurance Claim With USPS

You should file a claim within 60 days of mailing the shipment if it was damaged when the recipient got it or if it never arrived at the destination. You can file an insurance claim with USPS in two ways:

  1. Online
  2. By mail

How To File a USPS Insurance Claim Online

To file a claim online, complete the Insurance Claim form. You will need to provide proof of value and insurance.

How To File a USPS Insurance Claim by Mail

If you prefer a more traditional method, you can request the insurance claim form by mail:

  1. Call the USPS customer support at 1-800-332-0317
  2. Ask them to send you a Domestic Claim form
  3. Fill out the form
  4. Send the form, proof of value, and proof of insurance (you’ll see the address on the form)

The USPS customer support’s working hours are Monday–Friday, from 6 a.m. to 6 p.m.

File a USPS Insurance Claim the Best Way Possible—With DoNotPay

Do you find the USPS insurance too complicated to claim? DoNotPay has a solution for you. We offer a user-friendly service that will help you file a USPS insurance claim in less than two minutes:

  1. Access your account
  2. Choose the insurance type
  3. Provide required info
  4. Tell us why you want to file a claim and describe the issue you’re facing in detail

We will fill out the necessary documents and file a claim for you. With our help, you can take care of numerous insurance claims, including:

DoNotPay can also help you deal with any insurance company, such as Progressive, National General, and Alliance United.

DoNotPay Helps Appeal a Denied Insurance Claim

If USPS denies your claim, can help you out. You can use our Appeal Denied Insurance Claim option to file an appeal letter and get justice.

USPS Insurance Claim Process Explained—What Happens When You File a Claim

Once you submit your insurance claim, the USPS will decide whether to:

  • Pay full or partial insurance amount
  • Deny your claim

You can check your USPS insurance claims status in the Claim History field of your account. If the USPS approves your claim, you’ll receive a payment within seven to ten business days from the date of approval.

Non-Payable USPS Insurance Claims

In some cases, the USPS has the right to refuse to pay for an insured item. Your USPS insurance claim won’t be approved if you:

  • Can’t provide evidence of insurance coverage
  • Didn’t write the correct or complete names and addresses of both the sender and recipient
  • Didn’t wrap the item for protection
  • Sent the items for sale without the recipient’s consent
  • Mailed perishable contents that melted, froze, or spoiled in the mail

You can find a full list of non-payable insurance claims on the USPS website.

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