Post Loss Jewellery Valuation for Insurance Claims in Ireland

A post-loss jewellery valuation is a professional valuation prepared when the original jewellery is no longer available for physical examination.

This may be necessary when jewellery has been lost, stolen or damaged beyond repair, particularly when an insurance company requires professional documentation to support an insurance claim.

Unlike a standard jewellery valuation, where the valuer can physically examine the item, a post-loss valuation is based on the information and evidence that remains available.

This may include:

• Photographs of the jewellery
• Photographs of you wearing the jewellery
• Purchase receipts or invoices
• Previous valuation reports
• Diamond grading certificates
• Gemstone certificates
• Insurance schedules
• Information from the original jeweller
• Other relevant supporting documentation

Our experienced jewellery valuation specialists carefully assess the available information to establish the likely characteristics, quality and specifications of the original item and determine an appropriate replacement value based on current market conditions.

At Diamond Valuations Ireland, our post-loss jewellery valuation service is available online to customers throughout Ireland.

If you have lost a valuable piece of jewellery, such as an engagement ring, diamond ring, wedding ring or other precious item, you may be able to make a claim through your home insurance or jewellery insurance policy.

If your jewellery has been stolen, you should report the theft to An Garda Síochána as soon as possible and obtain a crime or incident reference number for your insurance claim.

The first step is to contact your insurance company or insurance broker and ask what information and documentation they require to process your claim. Every insurance policy is different, so your insurer will be able to explain the specific requirements of your policy.

To help support your claim, gather as much information as possible about the lost or stolen jewellery.

1. Contact Your Insurer

Notify your insurance company as soon as possible and explain what has happened. Ask what documentation they require and whether they need a professional jewellery valuation as part of your claim.

2. Gather Any Photographs

Look for photographs showing you wearing the jewellery or photographs taken before the item was lost or stolen.

Clear photographs can help establish what the item looked like and may assist with identifying its design, gemstones and other features.

3. Find Your Original Receipts

If you still have the original purchase receipt or invoice, provide a copy to your insurer and valuer.

This can help confirm where and when the jewellery was purchased and may provide useful information about the item and its original cost.

4. Locate Any Diamond or Gemstone Certificates

If the jewellery contained a certified diamond or gemstone, look for the original laboratory certificate.

A diamond grading report can provide important information about the stone, including its carat weight, colour, clarity and measurements.

5. Find Any Previous Jewellery Valuations

If the item was previously professionally valued, locate the valuation document.

A previous valuation may contain important details about the jewellery that can help establish its identity and characteristics.

6. Gather Your Insurance Documents

Check your home insurance policy, jewellery insurance schedule or other relevant insurance documentation.

These documents may confirm whether the item was specifically listed or insured and the level of cover provided.

7. Contact a Professional Jewellery Valuer

If your insurer requires professional documentation as part of your claim, you may need a professional post-loss jewellery valuation.

A professional valuer can review the information and documentation available to you, including photographs, receipts, previous valuations, diamond certificates and insurance schedules.

This information can be used to help identify and describe the lost or stolen item as accurately as possible.

At Diamond Valuations Ireland, we provide professional post-loss jewellery valuations for insurance purposes. Our service is available online throughout Ireland, making it possible to arrange a valuation even when the original jewellery is no longer available for physical inspection.

When ordering your post-loss jewellery valuation, please provide as much information as possible about the item.

Depending on what is available, this may include:

Photographs

Clear photographs of the jewellery, including photographs showing the item being worn, can be particularly useful.

Receipts and Invoices

Original purchase receipts or invoices can help establish the item's original description, specifications and purchase history.

Diamond Certificates

If the item contained a certified diamond, the original diamond grading report can provide valuable information about the stone.

Previous Valuations

Previous professional valuations can help establish details about the jewellery and its previous replacement value.

Insurance Documents

Insurance schedules or policy documents may contain information about the item and its insured value.

Additional Information

Any other information you have about the jewellery may be useful, including details of the original jeweller, approximate purchase date, metal type, diamond or gemstone specifications and any known measurements.

Please provide everything you have available. If you are unsure whether a document or photograph will be useful, include it with your submission.

Step 1 — Order Your Valuation

Purchase your post-loss jewellery valuation online.

If you are unsure whether this service is suitable for your circumstances, contact us before ordering.

Step 2 — Provide Your Information

Send us all available photographs, receipts, certificates, previous valuations, insurance schedules and any other relevant information.

Step 3 — Professional Assessment

Our experienced jewellery valuation specialists carefully review the information provided and assess the likely characteristics and specifications of the original jewellery.

Step 4 — Replacement Value Assessment

We use our professional knowledge and current market information to establish an appropriate replacement value based on the available evidence.

Step 5 — Receive Your Valuation Report

Your completed digital post-loss jewellery valuation report is prepared and provided to you securely.

You can then provide the report to your insurer as part of your insurance claim, where required.