One time when USPS lost an insured package of mine, I only had to file a claim with a receipt of at least as much or over of insured value. It was super easy and I received a check within a month. Not sure if Dejoy has changed anything that would change the process.
Sometimes people sell something inherited, an heirloom, an old knife or something that is a part of something else...bicycle part, machine part etc. for which is their no original receipt available. Now, is the USPS going to demand that every item shipped must have an approved appraisal before they will believe that two parties to a transaction can decide what one is willing to pay the other for a given item?
The fact that the USPS has declined to pay insurance claims when the shipper provides documents (emails) attesting to the agreed upon transaction and proof of payment via paypal or similar, is criminal in my mind. Why sell insurance if you won't honor it?
One guy I know from another forum was selling mountain bike forks from bikes he owned and parted out. Though he provided evidence as listed above, they denied his insurance claim saying that he didn't have an original receipt for the fork. Well, the fork was from a bike he parted out...there was no receipt for the fork alone. Fell on deaf ears despite his showing proof of the agreement with the buyer and proof of payment.
Finding a way to weasel out of a claim when
they lost and failed to deliver the insured package to begin with...is a bad business model in my opinion.
I've been fortunate in that any packages I have shipped or awaited have always eventually arrived...but after sending thousands of dollars worth of knives insured through the USPS over the years, I am through trusting that they will do the right thing when they drop the ball or stuff happens.
By the way, the individual who sold the mountain bike forks also did so with UPS, and when they lost a package, they paid promptly. Go figure.
Forewarned is forearmed.