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Unclear Insurance/Refund Expectations

 

Please excuse the long post, but I am yet to find a helpful answer to a recurring issue. 

 

I have seen a significant uptick in damaged packages. over the last few months. As such, I am familiar with filing a USPS claim through their website, but where I am struggling is the relationship between eBay's expectations and the process of claim approval through USPS. 

 

To give more detail, I received a message about a damaged package about 6 weeks ago. Despite proper packaging, the box arrived damaged and the item inside was broken. After looking into the claim process through USPS, I was informed the broken item and packaging materials would need to be inspected at a local post office.

 

I felt this left me with 2 options-- I could either pay return shipping on a broken item and file a claim on the original tracking number (because this was when the item was originally damaged) and assume I would not get reimbursed from the post office for the return label. Or, I could request the buyer take the broken item in for inspection. The problem with the latter of these options is that I would not want to withhold a refund to my buyer while the claim was being processed and the issuance of a refund would essentially be a forfeit of any expectations of the buyer to actually take the item into the post office. With these options in limbo, I finally just decided to fully refund the buyer and file a claim with the photo evidence they provided me in their original request. This claim was denied because the item was never brought in for inspection. 

 

Since this incident, similar scenarios have happed two other times. Both times I have just issued a full refund because if they were to formally open a case through eBay, I would be expected to do so anyway. 

 

With all of that context, I am wondering about the best way to handle these situations. If a buyer contacts me about a damaged item, is it okay for me to open a claim and wait to issue a refund until the claim is resolved? My fear with this is that they could just open a return case and I would be charged an additional return shipping charge or be forced to go ahead and refund them anyways. 

 

To make matters more complicated, I spoke with an eBay shipping representative on the phone and received some information that I did not trust. I was told to simply not respond to damaged item claims because it was USPS fault, which would keep me from needing to pay for a refund out of pocket because of seller protections. After they opened a claim, I would wait for eBay to step in and he said it would automatically be decided in my favor. When I asked about how they would know this wasn't due to faulty packaging, I was told to take photographs of my packaging and send it to buyers prior to shipping, which would count evidence if a case was ever opened. As mentioned, I don't trust this information because it is filled with the exact opposite of information I've heard everywhere else, yet this was communicated directly from an (outsourced) eBay call center.

 

I hope all that makes sense. Again, very sorry for the length of post here, but would appreciate any insight from someone who is familiar with situations such as this. 

Message 1 of 20
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19 REPLIES 19

Re: Unclear Insurance/Refund Expectations

And of course you are double boxing fragile items no matter how cheap? Are you also insuring those 'cheap' items?



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“Never pick a fight with an ugly person. They don’t have anything to lose.” ~Robin Williams
Message 16 of 20
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Re: Unclear Insurance/Refund Expectations

I'm not sure I understand. I don't double box because I typically use a good sturdy box with lots of bubble and void fill. As for insurance, I have always just went with the standard $100 of provided insurance through USPS ground advantage. However, now that I am seeing such a high denial of claims then I am considering adding the additional shipcover insurance. 

Message 17 of 20
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Re: Unclear Insurance/Refund Expectations

One swift bash will crush a single box, and break a fragile item no matter how much bubble wrap is used,as you have found out.And usually insurance payouts are refused if a double box was not provided, stating 'insufficient packaging'.



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“Never pick a fight with an ugly person. They don’t have anything to lose.” ~Robin Williams
Message 18 of 20
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Re: Unclear Insurance/Refund Expectations

So I have the same situation.  Do I first ask the buyer to open a claim so I can refund then?  Then do I just go to usps customer service and file a claim with the tracking number? Or is there a way to do that through Ebay usps?  I just don't want anything bad to go against me.

 

Message 19 of 20
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Re: Unclear Insurance/Refund Expectations

The USPS changed  their insurance  policy  way before the pandemic .  they stopped paying out claims under  $50  around  2013  at PO counter . so  all claims  are filed  online  ,and  may have mail   in   at  the insurance  company  in Oklahoma .

Message 20 of 20
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