Welcome to Flyertalk. A copy of the Baggage Insurance Plan is here:
https://www.americanexpress.com/cont...ev%2003-18.pdf
If the Covered Person experiences a Loss for which You or the claimant believe a benefit is payable under this Plan, You or the claimant must provide both Notice of Claim and Proof of Loss.
To insure prompt processing of the claim, report any damaged, stolen, or lost Baggage immediately following the date of the Loss. Retain any receipts and damaged property (if applicable) until the claim process is complete.
Notice of Claim
Notice of Claim should be provided to Us within thirty (30) days of the Loss. You or the claimant may contact the Company by calling toll-free stateside 1-800-645-9700 or, if from overseas, by calling collect 1-303-273-6498. You or the claimant may also write to Us at AMEX Assurance Company, PO Box 981553, El Paso, TX 79998-9920