04-03-15: Zd542
I just figured them taking possession of the item was a prerequisite for any type of claim to be paid to you.
Taking possession of the item is a prerequisite for any claim. However, the claim has nothing to do with the buyer. The claim is not paid to you, the buyer. The claim is paid to the seller, the person that bought the insurance. Crossing your fingers for the claim payout is only the seller's nightmare. The buyer had nothing to due with improper packing or shipping damage.