Unfortunately if you deselect the Navidium insurance option, we do not issue refunds on lost or damaged packages. If an item is missing through USPS, please reach out to them at their main customer service number, 1(800) 275-8777, where they will need your tracking number which can be found in your shipping confirmation email. However, this does not guarantee that your item will be recovered.  To file a claim with Navidium, email Michelle.