I am going to try to get back into the habit of posting – I have so many money-related things going on. This post is about a frustrating one.

You know how when you send a package via USPS Priority Mail it’s insured for $100 by default? It turns out that that’s not really the case.

My package was lost and USPS’s own tracking records indicated that they delivered it to some other address. When they couldn’t find it, I was instructed to file a claim. At that point I was annoyed, but hey – mistakes happen. Once I started the claim process though, I got angry.

The first question in the online claim process was to state whether this was (1) an initial claim, (2) a first appeal, or (3) a second appeal. That should have been a clue!

I was required to list all items in the package and provide receipts proving their value. I actually was lucky that my package was a birthday gift so I had bought new things and most receipts could be located. [Unfortunately, not the card which I bought on vacation months ago – it could be planted after being read and it grew wildflowers. So cool!] It was a pain to locate receipts & scan them but I did it and attached to the online claim.

I received a letter in the mail that my claim was approved but only for $48. I don’t even know where that figure came from – nothing was $48 in value. My total claim was $128 - $100 for the contents (I had receipts for more.) and $28 for the shipping I paid. I just received a check in the mail separate from that letter – it’s for $77. Why that amount? Who knows!

Just imagine if the contents were not new things. I would not have had receipts for them. Does that mean that it’s not really insured?

Lesson learned. From now on I will send all packages via UPS.