you got the payment from the buyer. If you didn't, then you need to file the claim. If you DID get the money from the buyer, then the buyer needs to file the claim as they are without the merchandise. It doesn't matter who paid for the insurance. Usually what I do is get the forms from the post office (I believe you have to wait 30 days or something like that) and fill in my part then send it along with proof of what the item cost and proof of what the item is worth to the buyer to complete and take to his/her post office for completion.
Jodi CH0009-A
Casino Collectibles

PS: sorry I didn't respond sooner--I had a meeting I had to attend.