Claims and Recovery

Freight Claims: How to File Loss, Damage and Shortage Claims Before the Window Closes

A freight claim pays only if it is filed in time and holds up. What a valid claim needs, the time limits under US law, and why small claims expire.

17 October 2026 · 4 min read

Runink

What is a freight claim?

Quick answer

A freight claim is a written demand to a carrier for money, because goods were lost, damaged, short or delivered late while in the carrier’s care. It is how a shipper recovers the value of the goods and, where the contract allows, the cost of the delay. It only pays if it is filed in time and backed by records.

The trade calls the physical side OS&D: overage, shortage and damage. Something arrived that should not have, something did not arrive, or something arrived broken. Each one is a possible claim.


What does a freight claim need to be valid?

Quick answer

In the United States, a claim against a motor carrier must be in writing, identify the shipment, say that the carrier is liable for the loss or damage, and ask for a specific or determinable amount of money. The supporting records are what make it hold up: the bill of lading, the proof of delivery with any exceptions noted, photos, and the invoice that sets the value.

These requirements come from the federal rule on claims handling, 49 CFR 370.3. In practice, the file usually holds:

  • The bill of lading, which shows what was handed over and in what condition.
  • The proof of delivery, ideally with the damage or shortage written on it at the dock.
  • Photos, taken at delivery, of the load and the packaging.
  • The commercial invoice, which sets the value of the goods.
  • Repair or salvage records, if the goods were fixed or sold off.

The exception noted at delivery matters most. A clean signature on a damaged load is the hardest thing to argue past later.


How long do I have to file a freight claim?

Quick answer

Under US law, a motor carrier may not give you less than nine months from delivery to file a claim, and not less than two years from a written denial to take it to court. Once a claim is filed, the carrier must acknowledge it within thirty days and pay, decline or make an offer within one hundred and twenty days. Your contract or tariff may set different terms, so check it.

These limits come from the Carmack Amendment, 49 U.S.C. 14706, and the claims rule in 49 CFR part 370. Ocean, air and cross-border shipments run under other rules, often with much shorter notice periods. The window that applies is the one in the contract and the law for that move.

Nine months sounds generous. It is not, in practice. The evidence goes stale long before the window closes: photos are lost, the dock worker who saw the damage moves on, and the pallet is thrown away.


Why do small freight claims expire?

Quick answer

Because building the file costs more than the claim returns. Somebody has to find the bill of lading, the proof of delivery, the photos and the invoice, often in four systems, and write the claim. When that takes a morning, only the big claims are worth it, and the small ones run out of time.

The cost is in the assembling, not the filing. Every record already exists somewhere. The problem is that nobody has the time to bring them together for a claim worth less than their morning.

To see this in your own operation, take one month of deliveries. Count every damaged, short or late delivery. Count how many became claims. The difference, and how much of it is still inside the window, is your own figure.


How do I file more freight claims without more staff?

Quick answer

Make each claim cheap to build. If the records behind every delivery are gathered automatically, and the claim is drafted with them attached, a person only has to check it and approve it. Then the small claims are worth filing too, and they are filed while the evidence is fresh.

Runink FACE: Fulfilment Autonomous Claims Engine does that assembling. It reads the freight bill, the proof of delivery and your service terms from the systems you already run, and drafts the claim inside the carrier’s window, with each record attached. It also ranks the likely cause, so the same damage on the same lane shows up as a pattern, not as a string of single claims. A named person on your team approves each claim before it is filed.

See a claim worked through from the record to the approval, or send one month of deliveries and we will walk it with you.

Freight Claims OS&D Carmack Amendment Cargo Claims Claims Recovery Runink FACE

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