Alauna wrote in to the Consumerist because she recently ship her Hewlett Packard Pavilion laptop to a friend for software repairs via USPS (the computer had a virus). Unfortunately, she believes the laptop arrived to the friend in a damaged condition. The hinge of the unit was apparently broken en route, which threatened to cause further damage to the computer. Her friend explained that if he were to close the laptop, the screen may scratch and cause around $800 worth of damage.
Alauna thought that she was covered, for after all she did purchase an additional $500 worth of insurance from the post office (cost $26). However, after sending her friend the insurance information for the claim, it was denied. First, she says the USPS would not honor the insurance because she did not have the original receipt (the computer was a gift from her dad). Secondly, they would not honor the insurance unless one of their employees admits to intentionally damaging the laptop. Say what?!?
Although I rarely see any businesses anxious to fork over money for claims, this is one of the most ridiculous reasons to refuse a claim. If this story is true, I wonder if that stipulation was included in the original insurance paperwork. “We’ll take your additional money for insurance but will only pay a claim for something we admit to intentionally damaging.” How incredulous. Personally, without seeing the actual denial and delving deeper into the situation, this one may be too hard to swallow.