- 1). Find your homeowners insurance policy. Read the coverage amounts for personal property claims and jewelry. Look for the agent's phone number.
- 2). Call the insurance agent. Explain that you want to file a claim for a lost wedding ring. Ask whether a written request is necessary and what documentation he needs.
- 3). Contact the jewelry store where the ring was purchased. Explain that you lost your wedding ring and would like a replacement. Request the fax number and fax a photograph of the ring to the jeweler. Request a written estimate of the replacement cost of the ring for the insurance claim.
- 4). Prepare your documentation for the insurance claim. Copy the initial receipt and recent appraisals. Blow up pictures that show the details on the ring. Complete the claim form, if one was sent, and include the date of purchase, type of jewels, number of jewels and initial cost and replacement cost of the ring. Include the jeweler's written estimate in the packet.
- 5). Send the packet to the agent and the insurance adjuster on the case. Call the agent and adjuster if you have not received a call within the week. Ask him if the packet has been received and whether other documentation is required for the claim.
- 6). Find out how long it will take to process the claim. Mark the date on your calendar. Contact the adjuster if there has been no correspondence or phone call about the claim.
- 7). Discuss the claim with the adjuster when he does call you. Listen to the amount quoted for the wedding ring. Accept the amount if it will cover the cost of the ring or is the policy limit.
- 8). Negotiate the replacement value of the ring if all the adjuster offers is the initial value. Remind the adjuster of the estimate and the cost to make the ring. Explain the importance of having the same ring, stating that you were under the impression the ring would be replaced. Negotiate up until you reach an offer that is acceptable to you, then take it.
- 9). Sign the release of claim documents the adjuster sends to your home. Return the document by mail. Cash the check.
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