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Home > About USPS & News > Forms & Publications > Postal Periodicals and Publications > Publications > Publication 122 - Customer Guide to Filing Domestic Insurance Claims or Registered Mail Inquiries > Express Mail Payable Claims
In addition to the payable claims listed in the previous
section, the following are payable for Express Mail
claims:
a. For Express Mail insurance, nonnegotiable
documents are insured against loss, damage,
or rifling while in transit. Coverage is limited to
$100 per mailpiece (the unit on which postage is
paid), subject to a maximum limit per occurrence
of $5,000. Claims for document reconstruction
insurance must be supported by a statement
of expense incurred in reconstruction. For this
standard, “while in transit” begins when the
Postal Service receives custody of the insured
material and ends when the material is delivered
to the addressee or, if undeliverable, when
the mailer receives the material on return.
Nonnegotiable documents include audit and
business records, commercial papers, and such
other written instruments for the conduct and
operation of banks and banking institutions that
have not been made negotiable or cannot be
negotiated or converted into cash without forgery.
Nonnegotiable documents can be in hard copy,
disk, tape, microfilm, or other forms of data
storage. Articles such as artwork, collector or
antique items, books, pamphlets, readers proofs,
repro proofs, separation negatives, engineering
drawings, blueprints, circulars, advertisements,
film, negatives, and photographs are considered
merchandise, not documents. Indemnity for
document reconstruction is paid as follows:
(1) For payments made (or which are payable) for
reasonable costs incurred in the reconstruction
of the exact duplicate of a lost or damaged
nonnegotiable document. Indemnity is not
paid for the cost of preparing the document
mailed, or for the mailer’s time in preparing
the document mailed or reconstructed. Except
for the per page copying cost, indemnity is
not paid for documents if copies of the lost
document are available or if they could have
been made before mailing.
(2) Reasonable reconstruction expenses incurred
or obligated between the time of guaranteed or
scheduled delivery and actual delivery.
(3) Loss sustained by the use of funds to maintain
cash balances during the period of document
reconstruction (based on the applicable
Federal Reserve discount rate). The period
begins at the scheduled delivery time and may
not exceed 15 days.
(4) Catastrophic loss for multiple Express Mail
articles, such as a major fire, limited to
$5,000, regardless of the number of Express
Mail articles, or the identity or number of
customers involved. Each claim resulting
from a catastrophic loss first is adjudicated
individually. If the preliminary adjudication
exceeds $5,000, the percentage of the sum
represented by each individual settlement
is applied to the $5,000 to determine
each claimant’s pro rata share of the final
settlement, not to exceed $100 per piece.
b. Merchandise insurance coverage is provided
against loss, damage, or rifling and is limited to
$100. (Additional insurance, up to a maximum
liability of $5,000, may be purchased for
merchandise valued at more than $100.)
c. For negotiable items, currency, or bullion, the
maximum indemnity is $15.
d. Event or transportation tickets (e.g., concert,
theater, sport, airline, bus, or train) are insured
for loss or delay if received after the event date
for which they were purchased if the delay is
attributable solely due to the failure to meet the
guaranteed delivery standard under the terms and
conditions for the Express Mail offering selected.
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