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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 > What Is Not Payable
Indemnity is not paid for Insured Mail, Registered Mail,
COD, or Express Mail in these situations:
a. Evidence of insurance coverage is not provided.
b. Loss, rifling, or damage occurred after delivery by
the Postal Service.
c. Claim based solely on sentimental rather than actual value.
d. Requested replacement value exceeded actual
value at the time and place of mailing.
e. The contents of film (e.g., positives, negatives,
slides, transparencies, videotapes, laser disks,
x-rays, magnetic resonance imaging (MRI) prints,
computerized axial tomography (CAT) scan prints),
the cost of creating or re-creating these items, or
the photographer’s time and expense in taking the
photographs.
f. Loss resulted from delay of the mail, except for
Express Mail guarantee (see item ae).
g. Consequential loss claimed rather than the actual
value of the article.
h. Perishable contents that froze, melted, spoiled, or
deteriorated.
i. Damage by abrasion, scarring, or scraping to
articles not properly wrapped for protection.
j. Death of baby poultry caused by shipment to
points where delivery could not be made within
72 hours from the time of hatching, unless it is
determined that transportation was in place to
achieve the 72-hour target.
k. Death of honeybees, crickets, and harmless
live animals not the fault of the Postal Service
(mailability of these insects and animals is subject
to Mailing Standards of the United States Postal
Service – Domestic Mail Manual (DMM) 601.9.0).
l. The mailer or addressee failed to cooperate in the
completion of required claim forms.
m. Fragile nature of article prevented its safe carriage
in the mail, regardless of packaging.
n. Personal time required to replace documents.
o. Claim filed after the article transported outside the Postal Service.
p. Damage caused by shock, transportation
environment, or x-ray, without evidence of damage
to the mailing container.
q. Mail article or part or all of its contents officially
seized while in the military postal system overseas.
r. Negotiable items (defined as instruments that can
be converted to cash without resorting to forgery),
currency, or bullion valued in total at more than
$15 per shipment sent by Express Mail service,
except under DMM 609.4.2c.
s. Consequential loss of Express Mail claimed, except
under DMM 609.4.2a3.
t. Nonmailable items, prohibited items, or restricted
items not prepared and mailed according to postal
standards, or any item packaged in such a manner
that it could not have reached its destination
undamaged in the normal course of the mail.
u. Loss or damage caused by employees or agents of
the mailer or addressee.
v. Radioactive injury, electrical or magnetic injury, or
erasure of electrical recordings.
w. War, insurrection, or civil disturbance, or seizure by
any agency of government.
x. Loss after items signed for by the addressee,
the addressee’s agent, or delivery employee if
authorized under the applicable standards.
y. Items sent COD without the addressee’s consent.
z. Adult birds sent by Express Mail Service with no
physical damage to the container.
aa. Cost incurred for estimates and appraisals.
ab. Lottery tickets, sweepstakes tickets, contest
entries, and similar items.
ac. Mailer refuses to accept delivery of the parcel on
return.
ad. Mail not bearing the complete names and
addresses of the mailer and the addressee that is
undeliverable as addressed to both the addressee
and the mailer.
ae. Event or transportation tickets (e.g., concert,
theater, sport, airline, bus, or train) received after
the event date. Such items are insured for loss,
but not for delay or receipt after the event date for
which they were purchased, unless they were sent
by Express Mail and the delay is attributable solely
to the failure to meet the guaranteed delivery
standard under the terms and conditions for the
Express Mail offering selected.
af. Software installed onto computers that have been
lost or damaged.
ag. Damaged articles for which the claims are not filed
within the prescribed time limits.
ah. Personal time used to make hobby, craft, or similar
handmade items.
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