Find your diamond
Find your jewelry
shape
carat
color
clarity

When do I report lost jewelery to Jewelers Mutual?

Jemi

Jemi

Rough_Rock
Joined
Feb 6, 2021
Messages
63
I cannot find my jewelry pouch with all my rings in it. I always keep it in the same place and it’s not there.
For the past week I have literally torn the whole house apart looking for it.

A part of me wonders if I am just imagining that I brought the pouch to France with me this time. I usually never travel without it and although I remember looking through the rings to pick one out to wear to an event, there’s a slight possibility that I’m misremembering. I go back-and-forth between my houses quite frequently. So I am loathe to say with absolute certainty that the jewelry is gone until I return to the United States and go through everything there.

My question is this… Should I inform Jewelers Mutual now? Or should I wait until I get back and I am absolutely certain that the jewelry is missing. I am wondering if it matters for my claim if I wait. It could be several months before I would have absolute certainty.
 
OMG. I don’t have any advice I’m afraid, but I want to say I’m so sorry!! On the few occasions I’ve “lost” something and wondered if it’s at the other house - I’m uselessly stressed until I can get over there and search. And my houses are only a few hours apart, you must be so worried! ;(

Is there anyone who might be able to search your other place for you?
 
yssie said:
OMG. I don’t have any advice I’m afraid, but I want to say I’m so sorry!! On the few occasions I’ve “lost” ’something and wondered if it’s at the other house - I’m uselessly stressed until I can get over there and search. And my houses are only a few hours apart, you must be so worried! ;(

Is there anyone who might be able to search your other place for you?
Click to expand...

Thanks yssie,
There isn’t anyone.
My housesitters would have to open my safe which has all my personal & financial papers in it.

I am trying to be philosophical.
thanks for your support!
 
oh dear
fingers crossed its safe at home

perhaps you could ring your insurance company for advice
this must happen often
 
I’m sorry @Jemi :(
Since you don’t know for sure I’d wait.
Til you go back to your other house and can check.
Otherwise you’re not giving them definitive info and what can they do?
I hope they’re at your other home. Fingers crossed.
 
Document time and date you think it went missing. Get witness. I had to provide all kinds of information proving I looked for it and that I was actually at the place I lost it.
 
Jemi said:
There isn’t anyone.
My housesitters would have to open my safe which has all my personal & financial papers in it.
Click to expand...
Don't you have a close friend that you can trust to check in your safe?
 
I would first and foremost, make a police report. Document what you believe could be theft. And then I would wait to return home, check then. And IF it is still missing [im terribly sorry for this and hope to god it's not] then I would report it.
 
I know this feeling so well, unfortunately. I've lost two diamond rings and more. It's a horrible feeling that can be so overwhelming. I would start with asking a friend you trust to check your other house; maybe do a video call with them so you can walk them through potential locations. If that prove unsuccessful, file a police report. They won't likely do anything about it, but the report is important documentation. I would not suggest reporting it to your insurer until the point where you have exhausted all possibilities and want to pursue insurance payout
 
I cannot imagine how stressful this must be! I assume you've asked your house sitter to look around the house, in case you took the ring pouch out of the safe but somehow didn't put it in your purse/bag/however you planned to transport it?

It sounds like it will be quite some time before you will be in a position to personally look in your other house. I can understand if you don't feel comfortable giving your house sitter the code to the safe, but do you have a trusted friend or relative who might be able to check for you (if you felt comfortable giving them the code?) I think I would need to know for sure if the rings were there or not, I don't think I'd be able to sleep otherwise!

Otherwise, I think I'd call JM, explain the situation, and see how they want you to proceed.

You mentioned you thought you remembered going through the pouch recently, to pick a ring to wear to an event. Any chance there's any photos from the event where your hands were visible? If you can confirm what ring you wore, that might be enough to determine that you did or did not bring the pouch with you to France.
 
Lots of great replies...
I have a simple way of looking at things like this
1) The bag was left behind, and it's safe. No stress...nor really any need to do anything about it right now. If it's there, it's there.
2) the bag was stolen or lost, but it's covered by insurance ( JM is so great to work with). Again, no stress.
The main point I try to keep in mind is that by stressing myself, all I'm doing is making the situation, whatever it is, worse....

Personally- I'd wait before calling JM....you're going to be covered either way.....if it's where you left it, why even have any comment on your records with them.
But main, point- don't stress it!!

PS- this is coming from a man who's spent literally hundreds of hours searching for lost diamonds.....we've found just about every single one:)
The stress just makes it worse....
 
So sorry you are going through this. I have no advice. I am sending positive vibes your way.
 
Oh my goodness. I am so sorry about the stress you must be feeling. Let me ask, when you were picking out the ring for the event, was there someone there with you while you were getting ready? Maybe they saw or remember you going to get the pouch? I went through something very similar. I could not remember where I put a pouch with three rings in it and was in a panicked state, as we had to leave our home while remediation was going on to stay at another place. Would go back to the house at the end of the remediators work day looking and then tripping out that one of them found and kept:shock:

Anyway, I had to meditate and calm myself. Once I allowed myself to stop being in panic/worry mode it was like my mind rid itself of a bunch of static and then the epiphany came over me and I remembered with clarity where the rings were. I just want to encourage you that you may have the information about where this pouch is, but you have to move this (legitimate) fret out of the way. Agree with Rockdiamond too. Sending positive vibes and thoughts your way!!!
 
Last edited:
Oh goodness. How terrible. It is so stressful when you misplace something precious...what is in your favor is that memory is indeed quite fallible.

Hope you recover your items soon.
 
There are lots of great suggestions above! So in a way I'm repeating what has been said. To put more clarity around steps and what order, I would do it in this personally:

1) Asked trusted family/friend to check for you if possible. Video call idea suggested above is good. Might help jog your memory too as if you are doing the search yourself.

2) Call JM and see what they suggest in your situation. Find out and prepare documentation you need to collect if you need to file a claim. You want to make sure in case there are any time frames you need to meet to say for example file a police report. Also make records of time of events, locations and efforts you made to locate the ring.

After you've done what you can already, try your best to not stress in the meantime once you've covered everything within your control. Outcome being found your ring or you've collected necessarily documentation for claim and file claim if ring is confirmed lost/stolen.
 
Rockdiamond said:
Lots of great replies...
I have a simple way of looking at things like this
1) The bag was left behind, and it's safe. No stress...nor really any need to do anything about it right now. If it's there, it's there.
2) the bag was stolen or lost, but it's covered by insurance ( JM is so great to work with). Again, no stress.
The main point I try to keep in mind is that by stressing myself, all I'm doing is making the situation, whatever it is, worse....

Personally- I'd wait before calling JM....you're going to be covered either way.....if it's where you left it, why even have any comment on your records with them.
But main, point- don't stress it!!

PS- this is coming from a man who's spent literally hundreds of hours searching for lost diamonds.....we've found just about every single one:)
The stress just makes it worse....
Click to expand...

You are absolutely right.
Really nothing I can do, so I’m cultivating an ~oh well, we shall see~ attitude.

My close friends don’t live near enough my house to check… I decided not to wear jewelry to the event…And I live alone so no one was there to see me get ready…So, sadly, those ideas are great but won’t work in this situation.

I better not call the police as there is no evidence of burglary.
I’m sure if someone ever managed to climb over the spike-topped locked courtyard gate and pick the double deadlocked door, my Chihuahua would have torn them to shreds :-)


Seriously though, thank you for all the kind words and support. This is just one of those mysteries of life that may or may not be resolved, aside from the comforting fact that I do have insurance on the major pieces.
And on the bright side…
Losing jewelry is a great motivation to get a house organized and put in order!
 
A similar thing happened to me. I was missing two half eternity rings - I split my time between Texas and Tennessee. I was in Texas. Tore the house up looking for them. It drove me so insane that I actually flew to Tennessee specifically to look for them. And they were in the car in TN! They were in the little console underneath the emergency brake. And when I saw them there I immediately remembered what happened. We always put a trickle charge battery on the car so it doesn’t die while we are gone. And the little lever you pull to pop the hood was broken so I removed my rings so I could really get my hands in there to pull the lever, I pop the hood and put the battery on, and then locked the car and totally forgot about the rings. Memory can be a funny thing. Because while I was in Texas looking everywhere I had completely forgotten about that. I didn’t even remember when I arrived in Tennessee and I started looking in the house in the closet and everything else. It was not until the next morning until I got in the car that I spotted them and remembered everything.
 
I once lost my 7 stone diamond band. Tore up the house looking for it. I don't even know what made me look but I eventually looked in my closet and turned over each pair of tall boots that I store on the floor of that closet. Lo and behold the ring had somehow fallen off my finger and fallen right into the toe one of my boots. It was spring at the time so I probably wouldn't have found that ring until the next time I wore those boots sometime in the fall or winter.
 
Mreader said:
A similar thing happened to me. I was missing two half eternity rings - I split my time between Texas and Tennessee. I was in Texas. Tore the house up looking for them. It drove me so insane that I actually flew to Tennessee specifically to look for them. And they were in the car in TN! They were in the little console underneath the emergency brake. And when I saw them there I immediately remembered what happened. We always put a trickle charge battery on the car so it doesn’t die while we are gone. And the little lever you pull to pop the hood was broken so I removed my rings so I could really get my hands in there to pull the lever, I pop the hood and put the battery on, and then locked the car and totally forgot about the rings. Memory can be a funny thing. Because while I was in Texas looking everywhere I had completely forgotten about that. I didn’t even remember when I arrived in Tennessee and I started looking in the house in the closet and everything else. It was not until the next morning until I got in the car that I spotted them and remembered everything.
Click to expand...

I never remember taking my rings off (or putting my car keys down). It is such a force of habit to take them off and set them down that I finally had to set a policy that I do not remove my rings unless I can put them in one particular place. I would rather damage a ring and know where it is, than remove it and stick it somewhere I thought was intelligent and safe, only to forget where that was.
After the third time I left my (expensive) e ring in a hotel room when I used to travel all the time for work, I started only wearing less expensive moissanite jewelry to travel because I kept losing things.
adlgel said:
I once lost my 7 stone diamond band. Tore up the house looking for it. I don't even know what made me look but I eventually looked in my closet and turned over each pair of tall boots that I store on the floor of that closet. Lo and behold the ring had somehow fallen off my finger and fallen right into the toe one of my boots. It was spring at the time so I probably wouldn't have found that ring until the next time I wore those boots sometime in the fall or winter.
Click to expand...

I once found my (very expensive) engagement ring inside a riding boot in my car. I have no earthly idea how it could have gotten there and I had no idea the ring was not at home on my ring holder until I put my foot in the boot and fished out something that got stuck on my sock (cue my utter surprise when I pulled out a 2ct Tiffany ring…) after that I started wearing a chain I could put my rings on in a pinch.
 
From Jewelers Mutual FAQ on their website:

"How long do I have to file a claim?
We urge you to file your claim as soon as you’re aware of the loss or damage, but there are no time restrictions on filing a claim."

If I were in your situation I would probably wait until I returned home to make sure the jewelry is not there. Once you open a claim you will be required to submit the necessary documents they request, which might be at your home in the US. For my ring loss I was required to submit appraisal or receipt/invoices related to purchase, diamond grading report, police report, statement of what occurred, description of lost jewelry, and what jeweler I wanted to work with for the replacement. They asked for a picture of me wearing my rings as well (don't know if that's standard). If you aren't prepared to do all that while in France, I would hold off because you can't get your claim approved until you give them everything they need. Also I'm imagining you wouldn't be working with your jeweler to replace the jewelry until you got home anyways, if you select a jeweler in the US that is local to you.

I just went through the loss of my engagement ring and wedding band this year. We noticed the rings were missing in March. I hadn't been wearing them daily because I was pregnant and they didn't fit. I didn't want to report it missing right away for fear that I just placed the rings in some really odd place, perhaps getting distracted doing something at home. We didn't file a claim with Jewelers Mutual until a few months later when I had finally lost complete hope that the rings would be found. I wanted to make sure I searched every inch of our home before I concluded the rings were really gone (which was hard to do with a newborn). We had no issue with Jewelers Mutual, and I'm now waiting on my replacement rings to be made by my jeweler.

I hope you find your rings!
 
Update: I finally got back home two months after this thread was started… my jewelry was in my safe here!!
I have to tell you it has been a little weird. I didn’t want to talk about it when I thought I lost the jewelry, but I had only one person upstairs in my house in France, and I was horrified that she may have taken the jewelry because she is a longtime, decades long, friend of many people I know.
But every time I would see her I would watch her for an odd reaction, and she kept posting her love of diamonds on Facebook so it made me uncomfortably suspicious with her. Thank goodness I didn’t say anything.

As I mentioned in another post on PS today, here’s to less senior moments in 2022!
 
Jemi said:
Update: I finally got back home two months after this thread was started… my jewelry was in my safe here!!
I have to tell you it has been a little weird. I didn’t want to talk about it when I thought I lost the jewelry, but I had only one person upstairs in my house in France, and I was horrified that she may have taken the jewelry because she is a longtime, decades long, friend of many people I know.
But every time I would see her I would watch her for an odd reaction, and she kept posting her love of diamonds on Facebook so it made me uncomfortably suspicious with her. Thank goodness I didn’t say anything.

As I mentioned in another post on PS today, here’s to less senior moments in 2022!
Click to expand...

I hope so @Jemi but I have a feeling it will get worse for us…:lol:
 
I’m SO glad the jewelry wasn’t lost or stolen!
 
@Jemi So happy for you and what a relief! Here’s to 2022! Only in the safe or on our finger!
-C4C
 
Jemi said:
Update: I finally got back home two months after this thread was started… my jewelry was in my safe here!!
I have to tell you it has been a little weird. I didn’t want to talk about it when I thought I lost the jewelry, but I had only one person upstairs in my house in France, and I was horrified that she may have taken the jewelry because she is a longtime, decades long, friend of many people I know.
But every time I would see her I would watch her for an odd reaction, and she kept posting her love of diamonds on Facebook so it made me uncomfortably suspicious with her. Thank goodness I didn’t say anything.

As I mentioned in another post on PS today, here’s to less senior moments in 2022!
Click to expand...

Phew! What a relief. Congrats on finding your jewelry. If it was me, I'd celebrate by wearing all of them at once and (cautiously) do a happy dance around the house.
 
Oh thank goodness @junebug17 I am so relieved for you!! What a nerve wracking couple months that must have been.
So happy for you!! 4593A0D1-92F7-4BA9-AE37-35E40AF86413.gif
 
So glad it ended well. Hugs to you!
 
SO glad you found them safe and sound!!!! :appl: ❤️
 
Had you already reported it to your insurance company? Relieved you found it!
 
You must log in or register to reply here.
GET 3 FREE HCA RESULTS JOIN THE FORUM. ASK FOR HELP
Jewelry Blog
PriceScope-Concierge-Ad
Find prime cuts.
Top