If your goods have been damaged in transit, you should file an insurance claim as soon as possible. Here are the steps to take:
- Note any shortages or damages on the bill of lading, try to be as detailed as possible. Do not return a clean receipt; a clean receipt is a statement that you have received your goods in an undamaged state, which could invalidate any insurance claim.
- Take pictures of the damage to the shipment. Use different angles and viewpoints to capture as much detail of the damage as possible.
- Maintain control of the damaged freight. You will need to hold onto it as evidence until your claim has been resolved. Also take preventative measures to protect the freight from further damage.
- Send notice to all the parties involved in the supply chain (the supplier, the carrier, port authorities, etc.).
- Notify your insurance provider and submit a claim. The insurance provider will send you their official claim form upon request. In some cases they may have it available on their website for online submission or to print a copy. This will help guide you on any other documentation you’ll need to provide to support your claim.
After receiving your claim, the insurance provider will evaluate all available evidence. If your claim is approved, the insurance provider will cover the cost of the damaged goods. Typically most claims should be processed within 30 days once all of the substantiating documentation has been provided.