(Closed) It happened to me :( damaged my ring

posted 6 years ago in Rings
Post # 4
9689 posts
Buzzing Beekeeper
  • Wedding: September 2012

You should be able to add your ring to your insurance policy whenever you want to, call your agent and ask.

I would either have the stone moved as your jeweler suggested, to hide the chip, or have the extra prongs added and hide it that way.

Post # 5
5958 posts
Bee Keeper
  • Wedding: April 2018

I am so sorry that this happened!  I know how much they mean to us, so *HUG*

First of all, I’m not exactly sure what your asking in the final paragraph of your post so I’m just going to cover all of the bases here in insurance town.

You will not be able to get the insurance company to backdate coverage in order to file a claim, attempting to do so constitutes fraud in any state I would advise you not to try that.

The current appraisal that you have is inaccurate now that the stone has another physical feature, in order to properly schedule your ring, you will need to obtain a new appraisal from another jeweler, I feel yours is a little too nonchalant about the whole thing for my taste anyway, and all insurance contracts contain a provision stating that you will present all information to the best of your knowledge or the coverage is voided…so make sure you get that handled.

The good news is, if you currently have either homeowner’s or renters insurance coverage, there is usually a token amount of coverage for unscheduled jewelry, perhaps you can find some coverage there.  Although please schedule it as soon as possible, otherwise mysterious disappearance is not covered.

best of luck!

Post # 9
2270 posts
Buzzing bee

hmmm, i can’t see anything.

The topic ‘It happened to me :( damaged my ring’ is closed to new replies.

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