Maybe it got lost at the beach, or was knocked down the drain. Perhaps you misplaced it while on vacation, your dog ate it, or it was (God forbid) stolen. The bad news is, you can’t find your jewelry. The good news, though, is that you wisely invested in jewelry insurance through Lavalier to cover the loss or damage of your precious ornament. So how do you go about filing a claim?
The first step is to contact us as soon as possible. Just like your jewelry, every jewelry insurance claim is unique, so an expert claims manager will work with you on your individual situation. Be prepared to discuss the circumstances surrounding your lost, stolen, or damaged item, as this may affect what you will need to do next. For example, while it may be tempting to get a damaged item repaired immediately, you should wait until your claims manager has had a chance to work with you to understand the repairs needed.
In most cases, you will need to provide information on where, when, and how the loss, theft, or damage occurred, and, if applicable, the names and addresses of witnesses and other people involved. If your jewelry has been stolen or vandalized, you should notify the authorities immediately File a police report and alert any other relevant individuals (hotel manager, travel agent, etc.).
You will generally need to provide a written statement about the situation within 90 days of the loss, theft, or damage. This should include the date, time, place, and details of the incident, any other insurance or service plans that may cover the jewelry, any liens or encumbrances on the item, any changes in the jewelry ownership during the policy period, and a summary of the lost or damaged jewelry. This summary should include a description as well as any receipts and appraisals related to the item that you haven’t previously provided to us.
When you call to discuss your claim, a claims manager will guide you through all of these details. Jewelry is precious both financially and emotionally, and we know how stressful it is when something happens to it. In the unfortunate instance that you do need to file a claim, we will be with you every step of the way to make the process as simple and painless as possible.