𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗱 𝗳𝗼𝗿 𝗠𝗮𝗿𝗶𝗻𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 — 𝗖𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝗖𝗵𝗲𝗰𝗸𝗹𝗶𝘀𝘁 𝗳𝗼𝗿 𝗜𝗻𝗱𝗶𝗮𝗻 𝗘𝘅𝗽𝗼𝗿𝘁𝗲𝗿𝘀

An otherwise valid claim gets delayed — or rejected — more often over a missing document than a coverage dispute. Here's the complete set to have ready.

🔹 𝗖𝗼𝗿𝗲 𝗽𝗼𝗹𝗶𝗰𝘆 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀

• Original insurance policy or certificate of insurance

• Endorsements or amendments, if any, made to the policy

🔹 𝗧𝗿𝗮𝗱𝗲 𝗮𝗻𝗱 𝘀𝗵𝗶𝗽𝗺𝗲𝗻𝘁 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀

• Commercial invoice

• Packing list

• Bill of lading / airway bill / lorry receipt (as applicable to the transit mode)

• Purchase order or sales contract

• Letter of credit, if the shipment was financed under one

🔹 𝗘𝘃𝗶𝗱𝗲𝗻𝗰𝗲 𝗼𝗳 𝗹𝗼𝘀𝘀 𝗼𝗿 𝗱𝗮𝗺𝗮𝗴𝗲

• Survey report from a Lloyd's Agent or insurer-approved surveyor

• Photographs of the damaged cargo, packaging, container, and seal

• Container/seal number record showing condition at receipt

🔹 𝗖𝗮𝗿𝗿𝗶𝗲𝗿 𝗮𝗻𝗱 𝗽𝗼𝗿𝘁 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀

• Claim/notice letter filed with the shipping line, port, or carrier within their notice period

• Landing remarks / short-landing certificate, if applicable

• Delivery challan or gate pass showing exception noted at the time of receipt

• Cargo arrival/discharge report, for damage discovered at the port

🔹 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗻𝗱 𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀

• Claim bill / statement of claim showing invoice value and computed loss

• Salvage value assessment, if partial recovery is possible

• Repair or replacement cost estimates, where applicable

• Bank realization certificate or proof of payment terms, if relevant to valuation

🔹 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗮𝗻𝗱 𝗰𝘂𝘀𝘁𝗼𝗺𝘀 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀

• Shipping bill / bill of entry

• Customs examination report, if goods were inspected

• GST invoice details, where applicable

🔹 𝗔𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗱𝗼𝗰𝘂𝗺𝗲𝗻𝘁𝘀 𝗳𝗼𝗿 𝘀𝗽𝗲𝗰𝗶𝗳𝗶𝗰 𝘀𝗰𝗲𝗻𝗮𝗿𝗶𝗼𝘀

• General Average bond/guarantee and average adjuster's statement, for GA claims

• Police/FIR report, in cases of theft or piracy

• Weather routing or force majeure evidence, for weather-related claims

• Correspondence with the carrier regarding liability, if disputed

📌 Bottom line: Keep this checklist ready before a shipment leaves, not after damage is found — exporters who maintain organized documentation from the point of dispatch settle claims faster and with fewer insurer queries.