Right, even though your claim was a slam dunk, they dragged you through an ordeal for two months. I went through the same experience.What Wil says here is generally correct.
However, I have collected on a “damage claim”.
The package was severely crushed and the amplifier was nearly bent in half.
Initially they denied the claim saying that they didn’t know how it was packaged.
Fortunately I had photos of the amp being packaged.
After an almost two month ordeal they finally relented and paid the claim.
Best rule of thumb with most any shipper and insurance is:
If lost, good possibility of reimbursement
If damaged, no reimbursement.
That’s their corporate strategy with claims— make their customers suffer, knowing that all but the most stubborn will eventually give up.
I’d love to see their books on how much this adds to their bottom line every year.
Imo, it’s criminal that they take insurance money for this upfront.