Help! Spakers damaged during shipping?Paid insurance (with proof)being told not Insured?

We're the speakers in the original factory boxes with all the original packaging?

"Insurance is a scam. Period."

it is not, you just need to know the rules.

I've had several claims paid by UPS. In each case I did not have the original packaging. However, I took it to a UPS store and paid to have them package it. If they pack it they can't deny your claim for improper packing. If you do not pay for them to pack it, you will probably get denied. 

They also told me to keep the items, which were functioning and just had cosmetic damage. 

FOB means freight on board which means wherever the FOB point is, any freight beyond that is paid by the recipient.  Some shippers prepay freight which means the FOB point is the ultimate material destination.  Some shippers ship only FOB plant (factory) which means freight from the plant to the final destination becomes the buyer’s responsibility.  
FedEx absolutely destroyed a set of boxed speakers we insured for $3000.   Destroyed.  They refused to pay the claim and only after threatening to set up a couple websites:  howfedexscrewedus.com and fedexdoesntpayinsuredclaims.com did they finally pay the claim.  Tried a couple years back to insure some expensive SF speakers and ship with FedEx and they said, in no uncertain terms, they would not pay any more than, I think it was $1000 or some ridiculous amount, no matter how much insurance we paid for.  I asked them then what’s the point of shipping expensive items or insuring them with FedEx - they had no answer.  I delivered the speakers myself on a road trip.  Threats can work otherwise I have no perfect answer.  Never had an issue with the USPS or UPS, so I don’t know how they deal with damage claims.  

FOB = Free On Board


The way to deal with FEDEX or any shipper is to tell them in advance exactly what you plan to ship, and ask specifically if their insurance will cover it for the value you intend to unsure it for.

The time to verify coverage is not after the loss it is before the loss.

If they won't insure it, call an insurance broker or check the net. There are other options.


FEDEX damage rate is much lower than UPS or USPS.

Bump, this needs to be remedied.