Lavalier Jewelry Insurance Claims FAQs

How do I make a claim?

Please start by contacting us. One of our claims representatives will guide you through the repair or replacement process. Please be ready with as many details about your jewelry and your claim as possible. Since each claim is unique, our settlement process will be personalized to you and your jewelry. We recognize how painful it can be to experience a loss of or damage to your jewelry, especially jewelry that may have great emotional significance. We strive to make the claims settlement process as smooth and painless as we can.

How does the repair or replacement process work?

Because your jewelry is unique as are the issues surrounding any damage, loss, or theft of your jewelry, the repair or replacement process will be specific to you and your claim. To start a claim, please contact us. One of our claims representatives will guide you through the repair or replacement process. In some cases we will work directly with the jeweler to handle payment. In others we will reimburse you directly for your payment to the jeweler. Whether you choose to work with your own jeweler or one of our preferred jewelers, you will have an opportunity to approve the repair work or replacement before the claim is complete.

May I work with my own jeweler on a repair or replacement?

Our goal is to ensure that in the unfortunate event that your jewelry is lost, stolen, or damaged, you are satisfied with the repair or replacement you receive. When insured through Lavalier, you may work with your jeweler or one of our preferred jewelers, who will personalize the repair or replacement process to you and your jewelry. Should you choose to work with one of our preferred jewelers, the process, where appropriate, will include an opportunity to review sketches, computer-aided diagrams or physical prototypes before work on your jewelry begins.

What happens if my jewelry costs more to repair or replace than my coverage limit?

You may either cover the additional cost yourself or choose a repair or replacement that has a retail value equal to your coverage limit. To help avoid “underinsurance” we recommend that you regularly check the value of your insured jewelry by having a qualified jeweler inspect it.

Will a claim increase my premium or ability to insure through Lavalier?

A claim will not automatically increase your premium or affect your ability to insure through Lavalier. Your claim history may have an impact on your ability to renew the policy in the future. However, unlike a jewelry claim on a homeowner’s or renter’s policy, a claim on a policy through Lavalier will not automatically impact your other insurance policies (e.g. homeowner’s/renter’s, auto, etc.)

What if my jewelry is name brand?

Name brand jewelry may be repaired or replaced by the name brand jeweler who originally produced it. If, for any reason, repair or replacement by that name brand jeweler is not possible or you prefer not to work with that jeweler, you are welcome to work with one of our preferred jewelers instead.

What if I don’t want to work with the jeweler from whom I purchased or it is isn’t convenient to do so?

You are welcome to work with one of our preferred jewelers instead. Working with the jeweler who provided the most recent appraisal on your jewelry has the advantage of ensuring the most accurate repair or replacement. Should you choose to work with one of our preferred jewelers, the process will be personalized to you and your jewelry. Where appropriate, will include an opportunity to review sketches, computer-aided diagrams or physical prototypes before work on your jewelry begins.

What happens if I lose my jewelry or it is stolen or damaged?

If something happens to your insured jewelry, contact us as soon as possible. If your jewelry was stolen or you believe it might have been, also contact the local police as soon as possible. Remember that through Lavalier your jewelry is covered for repair or replacement due to loss, theft, or damage. Our expert claims representatives will work with you to resolve your claim as quickly and thoroughly as possible. We will help you work with your jeweler (including name brand jewelers) to repair or replace your jewelry to the same state it was before being damaged, lost, or stolen.

How can I be sure I’ll be happy with the repair or replacement on a claim?

Coverage purchased through Lavalier provides repair or replacement of your jewelry with like kind and quality, meaning that your jewelry will be returned as closely as possible to the same state it was before being damaged, lost, or stolen. Whether you choose to work with your own jeweler or one of our preferred jewelers, you will have an opportunity to approve the repair work or replacement before the claim is complete. Should you choose to work with one of our preferred jewelers, the process will be personalized to you. Where appropriate it will include an opportunity to review sketches, computer-aided diagrams or physical prototypes before work on your jewelry begins.