Quilts and other handmade items are non-insurable


Recommended Posts

My husband and I are watching the evening news.  There was just a story about a lady who mailed a handmade quilt and paid extra insurance for $500 coverage. The quilt never arrived at the destination.  A year and a half later the lady is still fighting with the postal service. They say it is not covered by insurance because it is a handmade item.  Does anybody have any thoughts on this?  I mail quilts all over the US, with insurance.  Now I'm scared to.

Link to post
Share on other sites

Teresa:

 

I was told by an instructor in order to have your quilt insured while being mailed or shipped, it needs to be officially appraised by a person that does that type of thing.  You need to have documentation with photos and the appraisal of the quilts value before being shipped.  Otherwise, it is anybody's guess what it is worth.  To the maker, it is priceless.  To the shipper it is maybe worth the actual fabric/batting cost, or even less.  You might have paid or charged $1000 bucks to quilt it, but under the same thought a thousand dollar paint job does not make a $100 dollar care worth eleven hundred dollars.  It all is in the eye of the beholder, without an appraisal.

 

I would check with you insurance company or some well known quilter to get their more learned opinion.  Best of luck to you.

 

Cagey

 

Now you have me all worried about mailing my sister her Christmas gift quilt I am working on.

Link to post
Share on other sites

There should be no difference between handmade or factory made items. Sure, handmade items have hard work & love into them, but someone had to figure out how to make the machine that can do the same thing without the love. What I'm saying is that the insurance company should have to pay what it was insured for plain & simple. Zeke

Link to post
Share on other sites

My friend worked for the USPS and she said that they will only pay for actual cost of materials used in the quilt and only if you have all of your receipts to show what materials used/cost.  She also said that it does take a very long time to get any funds released by USPS insurance as they will fight you on it.  Not right I know and has actually made it where I seek other carriers before shipping.  It is a good thing to research what carrier will actually pay when it comes to purchasing insurance.

:wacko:

Link to post
Share on other sites

Zeke I agree but the gov't doesn't as always.  I agree with the other ladies, they'll only pay for the materials unless the quilt was appraised.  If appraised, you can fight for the value.  This is a very good question considering a lot of the quilters on here do business over the internet with quilts being shipped back and forth.  Does anyone have a "lost in shipment" clause on their inventories?

Link to post
Share on other sites

Mamu & Quilting Happy are correct.  I work for USPS.  When it comes to filing claims you have to have your paperwork in order.  I keep receipts for each quilt so that when it comes time to mail it, I know the exact amount it cost me to make it.  That way, in the event of a loss, I've got everything I need.  It's been my experience that as long as your paperwork is in order and you have proof of the amount being claimed, you won't encounter any problems.  And remember that the Hope diamond was sent via USPS.  Given the volume of mail that's handled on a daily basis, it's pretty impressive that the claim rate is as low as it is.  

Link to post
Share on other sites
  • 3 weeks later...

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Loading...