I shipped two crystal bowls to my sister in Louisiana. When it reacher her they were totally destroyed. I had insured for $500.00. UPS returned the package to me to file on the sending end.
I filed a claim which was denied because they were not properly packaged.
I told the UPS (franchise) owner that her employee inspected the package, and sold me the insurance for $500. He said nothing about the packaging. I asked her for the name of the UPS official the denied the claim, her name, and the name of the employee that took my money. She asked why I needed that. I told her that I needed to know who to name on a small claims court lawsuit. I got $656 back. The original shipping charge, the $500 insurance I paid for, and the $100 insurance that comes automatically with the shipping. I did have to provide a receipt that I did not have. I went to an antique store and found a matching crystal bowl, explained my problem and they gave me a receipt for two of them, even though I had not bought them there.
UPS and USPS will probably always deny a claim at first. If you roll over and walk away, you loose. If you persue it long enough and hard enough, and do your documentation, you should prevail.