packages stuck in postal system

2 packages stuck in postal system how long before I can claim insurance. Do I have to return money to buyer before I receive the insurance.Getting afraid to sell anything

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sorry to read about your packages. I do believe many E-Bay sellers are going thru the same. the short fall is when the buyer send a request for a refund make sure you update the tracking and show where it is a let the buyer know there are delays with the shipping company. once the time that is allotted from e-bay. you loose the package and you funds e-bay gives a full refund to the seller and then leaves you hanging on trying to get the package back. you need to send a invoice so keep his email so you can send a pay pal invoice hopefully he will pay you. there are a fare bit of honest buyers out there. it the ones that will screw you  that make you life terrible. do not waste your time trying to talk to e-bay regarding payment that is all on your own e-bay will not help the Sellers. we all know e-bay only cares about the buyers. I hope this helps 

Joe