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I just wanted to give everyone a head's up regarding using FedEx Ground for expensive items.
Apparently, they have changed their policies recently and for most items, they will only insure up to $100 which is ok if that's what they want to do but the way they disclose it is unethical at best and in my opinion is possibly setting themselves up for a major class action law suit.
I recently mailed a pretty rare S.F. 49'ers picture pennant that I sold on Ebay. I decided against USPS because I was hoping to have it more carefully handled and I generally use FedEx or UPS for more expensive items for that very reason.
Sure enough the pennant arrives damaged, the buyer is upset and I'm upset because I double boxed the item but it was still damaged.
I only get reimbursed $100 + shipping and no more even though I paid for what I thought was insurance.
After I talked to FedEx and explained the situation, they told me it was not insurance it was a declared value.
Right on the very back of their customer shipping record it says "Our liability in connection with this package is limited to the lesser of your actual damages or $100, unless you declare a higher value, pay an additional charge and document your actual loss in a timely manner."
I ask the FedEx rep Did I declare a higher value? Yes sir. Did I pay and additional charge for the declared higher value? Yes sir. Did I document the loss in a timely manner? Yes sir. Well, if I met all of the criteria, why are you limiting my claim to $100.
They have placed a disclaimer nowhere near this liability coverage statement that says "If there is a conflict between the current FedEx Service guide and this Customer Shippng Record, the current FedEx Service Guide will control"
The FedEx service guide is nowhere to be found on the shipping record, at their drop off locations, and I only found it buried in their website.
I looked at the service guide and it says packages containing all or part of the following items are limed to a maximum declared value of $100 and it lists just about everything on the planet including the vague term collectors items which to me can be construed as anything sold on EBAY.
They were happy to collect additional money from me for a declared value over $100 but refuse to call it insurance and then hide behind their vaguely written service guide to limit their liability.
I have learned my lesson the hard way and wanted to pass the information along to let you know that if you are sending an item by FedEx ground over $100 in value, they will only cover $100.
Apparently, they have changed their policies recently and for most items, they will only insure up to $100 which is ok if that's what they want to do but the way they disclose it is unethical at best and in my opinion is possibly setting themselves up for a major class action law suit.
I recently mailed a pretty rare S.F. 49'ers picture pennant that I sold on Ebay. I decided against USPS because I was hoping to have it more carefully handled and I generally use FedEx or UPS for more expensive items for that very reason.
Sure enough the pennant arrives damaged, the buyer is upset and I'm upset because I double boxed the item but it was still damaged.
I only get reimbursed $100 + shipping and no more even though I paid for what I thought was insurance.
After I talked to FedEx and explained the situation, they told me it was not insurance it was a declared value.
Right on the very back of their customer shipping record it says "Our liability in connection with this package is limited to the lesser of your actual damages or $100, unless you declare a higher value, pay an additional charge and document your actual loss in a timely manner."
I ask the FedEx rep Did I declare a higher value? Yes sir. Did I pay and additional charge for the declared higher value? Yes sir. Did I document the loss in a timely manner? Yes sir. Well, if I met all of the criteria, why are you limiting my claim to $100.
They have placed a disclaimer nowhere near this liability coverage statement that says "If there is a conflict between the current FedEx Service guide and this Customer Shippng Record, the current FedEx Service Guide will control"
The FedEx service guide is nowhere to be found on the shipping record, at their drop off locations, and I only found it buried in their website.
I looked at the service guide and it says packages containing all or part of the following items are limed to a maximum declared value of $100 and it lists just about everything on the planet including the vague term collectors items which to me can be construed as anything sold on EBAY.
They were happy to collect additional money from me for a declared value over $100 but refuse to call it insurance and then hide behind their vaguely written service guide to limit their liability.
I have learned my lesson the hard way and wanted to pass the information along to let you know that if you are sending an item by FedEx ground over $100 in value, they will only cover $100.
-Tallahassee 
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