Jewelry Appraisals
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Are your records up to date?
...your homeowners or renter insurance will rarely cover the full value of your fine jewelry in the event of a theft or loss? ...depending on your deductible, you may receive nothing at all? You should have a professional appraise each item and have it covered by your insurance as a separate policy or as an attachment on to your current homeowners or renters policy
Estimated Retail Replacement Value for Insurance Purposes The objective of an insurance evaluation is to establish an insurance position and to provide sufficient support in the event that a claim becomes necessary The valuation should give the estimated cost of replacing or recreating the gem or jewelry article as closely as possible. Most insurance policies contain the option which will allow the insurance company to replace your lost or damaged gems or jewelry with "similar" items. The more descriptive the appraisal, the more confidence you can have that you will receive the proper reimbursement.
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