I think part of the problem is that the clerk who accepts your package (and added insurance) is not aware of the specifics of what's covered or not.....and to explain all the exemptions is problematic in a rushed business environment. I'm not excusing them, just trying to understand what's happening in a real world situation.

For them to have coverage exclusions they MUST inform you of them BEFORE you accept their terms.....just like it's your responsibility to read the fine print of a contract.....but in this case they're not even SHOWING you the contract so I feel they shot themselves in the foot regardless of their boilerplate because you weren't privy to the exclusions or regulations until after you put in a claim. Bottom line, they owe you for the damage regardless of them denying it because they never told you the terms. Take it before a jury and see what happens! :-)

Anthony