Pre-evaluation Preparation:

Descriptive information is needed to provide an accurate identification of the item, and background information is needed to conduct a comparative analysis. Thorough and detailed questions result in a general understanding of the jewelry's quality. Asking these questions will help you understand the item’s quality when filling out the actual claim.

Scoping Sheets are also included to assist in accurate identification of jewelry items. Scoping sheets are available for all main categories of jewelry including: watches, gold necklaces and bracelets (where major value is gold weight), earrings, rings, and pearl necklaces and bracelets. When completed, the form may be sent to Insurers World for evaluation.

If you are unsure of your ability to ask the proper questions regarding jewelry claims, training is available from one of Insurers World’s jewelry experts. If you would like to receive training, please contact us to set up a convenient time. We will send a jewelry expert to your location for an informative presentation to prepare you for handling jewelry claims.

The JEM Evaluation:

Insurers World’s on-staff gemologists each have 20+ years of industry experience, and are prepared to handle any jewelry contents evaluation scenario.

Claims are accepted via fax, phone, email, voice file, or through our FastPath Contents™ Line. If a claim requires the cause-of-loss to be determined for a jewelry piece, the item should be mailed to Insurers World for a cause-of-loss evaluation along with the claim information. If normal wear and tear is ruled out as the cause-of-loss, the evaluation process will continue. If for some reason the insured does not wish to mail their jewelry for evaluation, the item may be taken to a jeweler in our National Network to determine the cause-of-loss. The jeweler will then forward their findings to Insurers World.

Once an insured’s coverage has been confirmed, the claim information is examined for any fraudulent discrepancies. Fraud detection assistance is a valuable service that is provided by Insurers World. When any questions arise about an item during the evaluation process such as age/value deviations, Insurers World will make note, and contact the adjuster to discuss the item.

In an effort to identify questionable jewelry claims, Insurers World will:

• Review description of jewelry items and actual items for discrepancies.
• Review gold weight and appraisal date for correct gold pricing.
• Provide a “Qualifying Questions List” that will prompt specific information to check for any variances.

If no discrepancies are found, an Insurers World jewelry expert will review the jewelry information provided by the insurance company. With the insurance adjuster’s permission, Insurers World will contact the Insured within 24 hours to touch base and clarify any questions necessary to further describe the jewelry item.

Expert quotation is based on the individual jewelry item components and value factors, to provide an exact match in like kind and quality. Any certifications are taken into account during evaluation.