Insurance & claims

Insure shipments by declared value and file claims with evidence when something goes wrong.

Insure a shipment when you create it (requestInsurance: true + declaredValue) and, if the package is lost, damaged, or stolen, file a claim with evidence directly through the API.

Prerequisites to claim

1. The shipment must have insurance (requested at shipment creation).
2. The label must not be voided. A refunded label is not claimable.
3. No other open claim may exist for the same shipment.

How a shipment gets insured

Insurance is bought at label time, not separately. Create the shipment with requestInsurance: true and a declaredValue in MXN. Rates come back with the premium included: breakdown.insuranceCost and isInsured: true on each rate. When you buy an insured rate, the premium is part of the label charge and an ACTIVE policy is created. That is the policy you claim against. Voiding the label refunds the premium and voids the policy. With no insurance there is no policy, and the claim is rejected.

Endpoints

File a claim

Body parameters

curl -X POST https://api.sendit.mx/v1/insurance-claims \
  -H "X-API-Key: sk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "shipmentId": "clxq1w2e3r4t5y6u7i8o9p0a",
    "reason": "damaged",
    "description": "Package arrived with visible damage to contents",
    "claimedAmount": 1500.00,
    "evidenceUrls": [
      "https://cdn.mitienda.mx/evidence/photo1.jpg",
      "https://cdn.mitienda.mx/evidence/photo2.jpg"
    ]
  }'

The 201 response returns the claim in FILED status with its claim number:

{
  "success": true,
  "data": {
    "id": "clm_a1b2c3d4e5f6g7h8",
    "shipmentId": "clxq1w2e3r4t5y6u7i8o9p0a",
    "status": "FILED",
    "reason": "damaged",
    "claimedAmount": "1500.00",
    "claimNumber": "CLM-2026-000123",
    "createdAt": "2026-07-18T10:00:00.000Z"
  }
}

The better the initial evidence, the faster the resolution: photos of the damage and the outer packaging, plus proof of value.

The claim lifecycle

FILED → INVESTIGATING → EVIDENCE_REQUIRED
                  ↓
               APPROVED → PAID
               PARTIALLY_APPROVED → PAID
               DENIED
               CANCELLED

DENIED, PAID, and CANCELLED are terminal.

Cross-state rules