diff --git a/project/src/controllers/InraidController.ts b/project/src/controllers/InraidController.ts
index 297892af..71ae5ed0 100644
--- a/project/src/controllers/InraidController.ts
+++ b/project/src/controllers/InraidController.ts
@@ -154,13 +154,23 @@ export class InraidController
         this.healthHelper.saveVitality(serverPmcProfile, postRaidRequest.health, sessionID);
 
         // Remove inventory if player died and send insurance items
+        let insuredItemsLostCount = 0;
         if (mapHasInsuranceEnabled)
         {
-            this.insuranceService.storeLostGear(serverPmcProfile, postRaidRequest, preRaidGear, sessionID, isDead);
+            insuredItemsLostCount = this.insuranceService.storeLostGear(
+                serverPmcProfile,
+                postRaidRequest,
+                preRaidGear,
+                sessionID,
+                isDead,
+            );
         }
         else
         {
-            this.insuranceService.sendLostInsuranceMessage(sessionID, locationName);
+            if (insuredItemsLostCount > 0)
+            {
+                this.insuranceService.sendLostInsuranceMessage(sessionID, locationName);
+            }
         }
 
         // Edge case - Handle usec players leaving lighthouse with Rogues angry at them
diff --git a/project/src/services/InsuranceService.ts b/project/src/services/InsuranceService.ts
index fe24102f..d95a4517 100644
--- a/project/src/services/InsuranceService.ts
+++ b/project/src/services/InsuranceService.ts
@@ -218,6 +218,7 @@ export class InsuranceService
      * @param preRaidGear gear player wore prior to raid
      * @param sessionID Session id
      * @param playerDied did the player die in raid
+     * @returns Count of insured items lost in raid
      */
     public storeLostGear(
         pmcData: IPmcData,
@@ -225,8 +226,9 @@ export class InsuranceService
         preRaidGear: Item[],
         sessionID: string,
         playerDied: boolean,
-    ): void
+    ): number
     {
+        let itemsLostCount = 0;
         const preRaidGearHash = this.createItemHashTable(preRaidGear);
         const offRaidGearHash = this.createItemHashTable(offraidData.profile.Inventory.items);
 
@@ -277,7 +279,10 @@ export class InsuranceService
         for (const gear of equipmentToSendToPlayer)
         {
             this.addGearToSend(gear);
+            itemsLostCount++;
         }
+
+        return itemsLostCount;
     }
 
     /**