(Closed) Heartbroken – need advice.

posted 5 years ago in Rings
Post # 2
1177 posts
Bumble bee
  • Wedding: January 2017

I have, and it was really easy. Just called them up, let them know it was lost. Their jeweler decided that it would be cheaper to refund the cash than try to have it made again (it was valued at 10k) and I got the cheque a few days later

Post # 3
522 posts
Busy bee

I have no advice, just popping in to say I’m so sorry you lost your ring and hope you find it soon. 

Post # 6
1598 posts
Bumble bee

View original reply
futuremrsarthur:  I’m sorry you lost your ring. I would just call them up and explain that it has been lost. Then would need to wait because they will most likely give you the cash to replace it, instead of going to the trouble of having it made up.

Post # 8
2501 posts
Sugar bee

View original reply
futuremrsarthur:  i have put in a claim on my ring (for damage), but i have jewelery specific insurance, rather than it being tied to a homeowner’s/renter’s policy. for me, it was easy. I simply called up the insurance, told them what happened, and they sent me an email with a Statement of Loss to fill out. Basically, I had to write a narrative in my own words that describes what happened, and sign it (so they have a record of your story). Since mine was a case of damage, not loss, I also had to obtain a quote from the jeweler for the repair, which I sent the insurance as well. As soon as they had all these items and the claim was processed (a couple business days), a check arrived in the mail. Easy peasy.

I’d just carefully check your policy before calling them to ensure that loss is covered, and also to double check the liability in case they’ve paid out the claim and the ring shows back up again – in most cases, you’re then legally required to surrender the ring to them. If the ring has sentimental value, you might want to hold off on cashing the insurance check/buying a new ring with the money until you are certain you will never see the ring again (but do not let that delay you from filing a claim – the sooner the better).

also, beware that once insurnace pays out in full on a policy, that policy is typically cancelled. so if your ring is a rider on your renter’s, don’t assume that the new ring you purchase will be covered – you’re going to have to seek new coverage for that ring.

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