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Shipping Scopes…?’s

I'd like to hear from those who have had shipments lost or damaged to see how the insurance was honored. It is common knowledge among FFL's that none of the shipping companies pay out on insurance claims and will find a reason to not pay or drag it out. Many just self insure, never pay for the insurance and eat the cost when something goes wrong.
UPS delivered a package to the wrong address. Their delivery photo confirmed it wasn't the recipient's house. I provided the delivery photo, a photo of the recipient's house, and an invoice. They paid it pretty quickly without any back and forth. That's obviously much more cut and dry than a damage claim.
 
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