Jewelry insurance coverage

Posted: Mon May 24, 2010 11:40 am Post Subject:

Most HO policys exclude loss of a diamond from its mounting. You may have coverage if the entire ring is stolen, but doubtful if the diamond just fell out. Look at your HO policy, did you purchase an endorcement for your jewelry? If so what EXACTLY does the endorcement say? Unless you have an OLD inland marine (I do, and wouldn't part with it for the world), my guess is you likely do not have coverage.

How long ago did you have this work done on the ring? Have you notified them of the loss? Did you sign anything when you picked it up releasing them from responsiblilty should something like this happen?

Posted: Tue May 25, 2010 09:10 am Post Subject:

I didn't sign for any endorsement. I didn't sign anything to release them from responsibility. It's been a week that the thing is lost.

Posted: Tue May 25, 2010 11:20 am Post Subject:

Did you call the jewler and tell them?

Posted: Wed May 26, 2010 05:04 am Post Subject:

Oh, I forgot to mention that I'd informed them on the very day that this loss occurred. They didn't quite seem interested.

Posted: Wed May 26, 2010 10:21 am Post Subject:

I'd get them interested, first I'd check with my HO carrier to see if I have any coverage for this...I'd find a reputiable jeweler or three, have them look at the mounting and get their WRITTEN opinion why the stone came out. If they agree it was poor workmanship or the repair failed, I'd got back to the original shop and tell them you expect them to make this right. If they refuse, you'll most likely have to file a small claims case.

You are going to have to have proof their faulty workmanship caused the stone to come out.

Posted: Thu May 27, 2010 05:26 am Post Subject:

Thanks Lori, but to tell you the truth I've never been into such a situation ever before. I guess I'd now need to spend some money over here. Wouldn't they charge me for a written opinion? Apart from that, I'd also need to bear the lawyers fees. If I'd need to file claim, should I also include these expenses?

Posted: Thu May 27, 2010 11:04 am Post Subject:

If you file a small claims action, (if this is needed and likely would be), you don't need an attorney, in fact they are rarely allowed, and if they are the judges usually beat them up pretty good. Small claims court is for 'laymen' to come before a judge without an atty, (or the expense of one) present their case, and the judge decides. All small claims courts have their limits..I think my town is 5k...you'll have to see what yours is, and what is the value of the stone lost?

It might cost you a few bucks to get a written opinion but I can't imagine it being more than 20 bucks or so. Tell them you need it for an insurance claim.

What is the value of this stone? What did the jewler say when you went back and told them about this?

Posted: Fri May 28, 2010 05:32 am Post Subject:

What is the value of this stone? What did the jewler say when you went back and told them about this?

Posted: Fri May 28, 2010 11:19 am Post Subject:

Exactly what I thought...gather your info/documentation and take it to them...or call them again...this amount should be under any small claims court limit should you need to go that route.

Let us know what the other experts have to say.

ps...if possible would be a good idea to go out of your home town.

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